Clarion Auto Insurance For Less Than You're Paying Now

Are you intimidated by the wide range of auto insurance company choices in Clarion? You're not alone. You have so many options available that it can turn into a real hassle to find the perfect company for you.

It's important to take a look at other company's rates every six months because prices are constantly changing. If you had the best rates a couple years back a different company probably has better rates today. There is a lot of bad information regarding auto insurance on the internet, so we're going to give you some great ways to find cheap auto insurance.

These discounts can lower your rates

Car insurance is not cheap, but you can get discounts to help offset the cost. Certain discounts will be triggered automatically at quote time, but some may not be applied and must be asked about in order for you to get them.

Theft Prevention Discount - Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
Clubs and Organizations - Being a member of certain professional organizations is a good way to get lower rates on your policy.
Pay Upfront and Save - If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
More Vehicles More Savings - Buying coverage for multiple cars or trucks on one policy can get a discount on all vehicles.
E-sign - A few companies may give you up to $50 for buying your policy on their website.
Senior Citizens - If you qualify as a senior citizen, you can possibly qualify for better auto insurance rates.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Most only cut specific coverage prices like comprehensive or collision. So even though they make it sound like adding up those discounts means a free policy, auto insurance companies aren't that generous. Any amount of discount will cut the cost of coverage.

Clarion Rates are Influenced by These Factors

Smart consumers have a good feel for the different types of things that come into play when calculating the rates you pay for auto insurance. Understanding what impacts premium levels enables informed choices that can help you get much lower annual insurance costs.

One company can mean more discounts - The majority of insurers give discounts to insureds who consolidate policies with them. It's known as a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even if you're getting this discount it's still a good idea to compare other company rates to ensure the best deal. Consumers may find a better deal by insuring with multiple companies.
Liability coverage protects you - The liability section of your policy provides coverage in the event that you are found liable for causing damage or personal injury in an accident. Liability provides you with a defense in court which can be incredibly expensive. Liability is cheap compared to insuring for physical damage coverage, so do not cut corners here.
Lower rates with optional equipment - Choosing a vehicle with a theft deterrent system can save you a little every year. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft.
Pay less if you're married - Getting married actually saves money on your policy. Marriage means you're more responsible and statistics show being married results in fewer claims.
Don't buy coverages you don't need - There are a lot of extra coverages you can purchase when buying auto insurance. Coverages like rental car reimbursement, better glass coverage and term life insurance may be costing you every month. These may sound like a good investment initially, but if they're wasting money get rid of them and save.
Where do you drive? - The more you drive in a year the higher your rates will be. Most insurance companies charge to insure your cars based upon how you use the vehicle. Cars and trucks used primarily for pleasure use get more affordable rates than vehicles that are driven to work every day. Double check that your auto insurance policy is showing the correct driver usage.

Are you falling for claims of savings?

Companies like Allstate and Progressive regularly use ads on television and other media. All the ads make an identical promise about savings if you move to their company. How do they all claim to save you money? It's all in the numbers.

Insurance companies are able to cherry pick for the driver that earns them a profit. A good example of a preferred risk might be between the ages of 40 and 55, has no driving citations, and drives less than 10,000 miles a year. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and as a result will probably cut their rates substantially.

Potential insureds who are not a match for the "perfect" profile will be charged more money and ends up with the customer not buying. The ad wording is "customers who switch" not "everybody who quotes" save that much. That's the way companies can truthfully advertise the way they do.

That is why drivers should get as many comparisons as possible. It's impossible to know which auto insurance company will provide you with the cheapest rates.

Learn more about Pennsylvania auto insurance

Additional information can be read on the Pennsylvania Insurance Department website found here. Visitors are able to read consumer alerts, find out which companies have the most complaints, and view a list of available companies.

Do the work, save more money

As you go through the steps to switch your coverage, never skimp on coverage in order to save money. Too many times, someone sacrificed collision coverage and discovered at claim time that the savings was not a smart move. The aim is to purchase a proper amount of coverage at the best price, not the least amount of coverage.

Cheap auto insurance is possible both online and also from your neighborhood Clarion agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some auto insurance companies may not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

People who switch companies do it for a variety of reasons including policy cancellation, questionable increases in premium, extreme rates for teen drivers and even lack of trust in their agent. Regardless of your reason for switching companies, finding a new auto insurance company is less work than it seems.