9 Tricks Shown to Lower Car Insurance Costs in Clark

Overpriced car insurance can dwindle your savings account and force you to prioritize other expenses. Shopping your coverage around is free, only takes a few minutes, and is a good way to tighten up your finances. You have multiple to buy insurance from, and even though it's nice to have a selection, having more makes it harder to compare rates.

car insurance in Clark

How to Get Cheap Car Insurance in Clark, PA

There are several ways to compare car insurance quotes, and some are less time-consuming than others. You can spend countless hours talking about coverages with insurance companies in Clark, or you could save time and use online quotes to achieve your goal.

The majority of car insurance companies take part in a program that allows shoppers to enter their policy data once, and every company provides a quote based on that data. This saves time by eliminating quote requests to each individual car insurance company.

To submit your quote information now, click to open in new window.

The one disadvantage to using this type of form is you can't choose the providers to get pricing from. If you wish to select individual companies to compare prices, we have assembled a list of car insurance companies in Pennsylvania. View list of Pennsylvania insurance companies.

It's up to you which method you use, but make sure you use identical coverages with each company. If you have different limits and deductibles on each one it's impossible to make an equal comparison in Clark.

Be sure to get all your discounts

Auto insurance companies do not advertise all available discounts very clearly, so the following is a list of some of the more common as well as the least known savings tricks you should be using. If you're not getting every credit you deserve, you're paying more than you need to.

  • Defensive Driving Course - Taking a driver safety course could cut 5% off your bill and easily recoup the cost of the course.
  • New Car Discount - Insuring a new car can be considerably cheaper compared to insuring an older model.
  • Accident Free - Drivers who don't have accidents pay less when compared with bad drivers.
  • Accident Waiver - Certain companies will forgive one accident before raising your premiums so long as you haven't had any claims for a certain period of time.
  • Anti-lock Brake System - Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
  • Anti-theft System - Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Life Insurance - Some companies give a discount if you purchase life insurance from them.
  • Auto/Home Discount - When you combine your home and auto insurance with one company you could get a discount of 10% to 20% off each policy.
  • Passive Restraint Discount - Vehicles equipped with air bags or automatic seat belts may earn rate discounts up to 30%.

Keep in mind that most discount credits are not given to your bottom line cost. Some only reduce individual premiums such as liability and collision coverage. So when it seems like you would end up receiving a 100% discount, it just doesn't work that way.

To see a list of insurers with the best car insurance discounts in Pennsylvania, click here to view.

How do I know if I need professional advice?

When choosing coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Everyone's situation is a little different so your insurance should reflect that For example, these questions can help discover whether or not you might need an agent's assistance.

  • Should I rate my vehicle as pleasure use or commute?
  • Can I still get insurance after a DUI?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my policy cover me when driving someone else's vehicle?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • When does my teenage driver need to be added to my policy?

If you're not sure about those questions but a few of them apply, you may need to chat with an agent. If you don't have a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Additional detailed information can be read at the Pennsylvania Insurance Department website. Consumers can discover disciplinary actions, file complaints about an insurance agent or broker, read industry bulletins, and learn about insurance regulations.