Consumer Tested Strategies to Save on Cleona Car Insurance

Paying for high-priced car insurance can dwindle your personal savings and make it hard to pay other bills. Comparison shopping is free and is an excellent way to reduce premiums and put more money in your pocket.

With consumers having so many choices, it is hard for the average consumer to pick the best insurer.

Save big with these discounts

Insurance can cost an arm and a leg, but you can get discounts that many people don't even know exist. Most are applied at the time of quoting, but a few need to be specially asked for before you will receive the discount.

  • Multi-car Discount - Insuring more than one vehicle on the same car insurance policy could earn a price break for each car.
  • Student in College - Any of your kids who attend school more than 100 miles from home and do not have a car may qualify for this discount.
  • Braking Control Discount - Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
  • Good Student Discount - A discount for being a good student can save 20 to 25%. This discount can apply until age 25.
  • Senior Citizens - Mature drivers may qualify for better car insurance rates.
  • Paperless Signup - Some insurance companies may give you up to $50 for buying your policy online.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears you could get a free car insurance policy, you won't be that lucky. Any amount of discount will help reduce your overall premium however.

To see a list of insurers offering car insurance discounts in Pennsylvania, click this link.

How to Buy Cleona Car Insurance Online

There are several ways of comparing rates from local Cleona car insurance companies. The best method to find the lowest rates is to perform an online rate comparison. This can be done in several different ways.

  • The best way to get quotes for comparison is to use a rate comparison form (click to open form in new window). This form saves time by eliminating multiple quote forms for each company. One form compares rates from multiple low-cost companies.
  • A slightly less efficient method to get quotes online is going to each individual company website to complete a price quote. For example, we'll assume you want comparison quotes from , and . You would have to visit each site and enter your information, which is why most consumers use the first method. To view a list of companies in Cleona, click here.
  • The hardest way to compare rates to insurance agents' offices. Buying insurance online has reduced the need for local agents unless you prefer the trained guidance of a licensed agent. Drivers can obtain prices from the web and still use a local agent and you'll learn how to do that later.

It's up to you how you get prices quotes, just make darn sure you compare apples-to-apples coverage limits and deductibles with each company. If you compare different liability limits it will be next to impossible to make an equal comparison in Cleona. Having just a slight variation in coverages may cause a big price difference. And when comparison shopping, obtaining a wide range of quotes gives you a better chance of getting the best rates.

Cleona Rates are Influenced by These Factors

An important part of buying insurance is that you know the rating factors that go into determining the rates you pay for car insurance. When you know what positively or negatively impacts premium levels enables informed choices that could result in better car insurance rates.

Listed below are a few of the "ingredients" car insurance companies consider when setting premiums.

  • Increase deductibles and save - Physical damage deductibles represent how much money you are willing to pay in the event of a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some instances where coverage would apply would be colliding with a building, collision with an animal, or theft. The higher the amount you are required to pay out-of-pocket, the bigger discount you will receive.
  • Mature drivers pay less - Youthful drivers in Pennsylvania are statistically proven to get distracted easily when driving so car insurance rates are higher. If you've ever had to add a youthful driver to your car insurance policy can really hurt. More mature drivers are more responsible, tend to cause fewer accidents and receive fewer citations.
  • Credit scores impact car insurance rates - A driver's credit score is a large factor in determining what you pay for car insurance. So if your credit score is lower than you'd like, you could pay less to insure your by improving your rating. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers who have poor credit.
  • Bad driving skills means higher rates - Careful drivers receive lower rates than bad drivers. Only having one moving violation can boost insurance rates by as much as thirty percent. Drivers with serious tickets like reckless driving, hit and run or driving under the influence are required to file a SR-22 to the state department of motor vehicles in order to continue driving.
  • Battle of the sexes - Statistics have proven women tend to be less risk to insure than men. That doesn't necessarily mean that men are worse drivers. Men and women tend to get into accidents in similar percentages, but the male of the species cause more damage. Men also tend to have more aggressive citations like DUI and reckless driving. Youthful male drivers are several times more likely to be in an accident and therefore have the most expensive car insurance rates.

But I don't know anything about car insurance

When choosing the right insurance coverage for your personal vehicles, there really is no perfect coverage plan. Each situation is unique so this has to be addressed. These are some specific questions may help you determine if your situation could use an agent's help.

  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • What are Pennsylvania no-fault laws?
  • Does my insurance cover a custom paint job?
  • Do I need to file an SR-22 for a DUI in Pennsylvania?
  • Why does it cost so much to insure a teen driver in Cleona?
  • Should I buy additional glass protection?
  • What can I do if my company won't pay a claim?
  • Does my liability insurance cover pulling a trailer or camper?

If it's difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don't have a local agent, fill out this quick form or go to this page to view a list of companies.

Car insurance ads bend the truth

Allstate, GEICO and Progressive constantly bombard you with ads on TV and radio. All the companies make the same claim about savings if you switch to their company. But how can every company claim to save you money?

Different companies have a preferred profile for the driver that is profitable for them. For example, a profitable customer might be over the age of 40, insures multiple vehicles, and chooses high deductibles. Any driver who matches those parameters gets the lowest rates and most likely will save a lot of money.

Potential insureds who fall outside this ideal profile must pay more money which leads to the customer not buying. The ads say "people who switch" not "people who quote" save that much. This is how companies can truthfully state the savings.

This illustrates why drivers must get a wide range of price quotes. You cannot predict which insurance companies will give you the biggest savings.

Affordable insurance is out there

Cheaper car insurance can be found both online and also from your neighborhood Cleona agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies may not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

When buying insurance coverage, don't be tempted to reduce coverage to reduce premium. In too many instances, drivers have reduced physical damage coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

We just presented some good ideas how to compare car insurance prices online. The key thing to remember is the more rate comparisons you have, the better likelihood of reducing your rate. Consumers may even find the lowest premiums are with a company that doesn't do a lot of advertising. These smaller insurers may cover specific market segments cheaper than their larger competitors like .

Cleona car insurance comparison

Additional information can be found on the website for the Pennsylvania Insurance Department through this link. Visitors are able to report car insurance fraud, read enforcement actions against agents and companies, find out industry alerts, and file complaints about a company.

Additional helpful sites include this link for Pennsylvania car insurance quotes and this page for help finding agents in Cleona, PA.