Top 5 Ways to Pay Less on Car Insurance in Clymer

If price shopping car insurance online is new to you, you may be overwhelmed by the hoards of car insurance companies offering coverage in Clymer.

It's important to price shop coverage occasionally since rates are constantly changing. Even if you think you had the lowest price a few years ago you can probably find a better price now. There is a lot of wrong information about car insurance online but I'm going to show you some great ways to quit paying high car insurance rates.

These 5 discounts can lower your rates

The price of auto insurance can be rather high, buy you may qualify for discounts to help bring down the price. Certain discounts will be triggered automatically at the time of purchase, but a few must be manually applied prior to receiving the credit. If you don't get every credit you qualify for, you are paying more than you should be.

Bundle and Save - If you insure your home and vehicles with one insurance company you may earn up to 20% off your total premium.
Anti-theft Discount - Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
Safety Course Discount - Completing a defensive driving course can save you 5% or more if your company offers it.
Good Student - This discount can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
Save with a New Car - Insuring a new car can cost up to 25% less since new cars are generally safer.

Keep in mind that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce individual premiums such as collision or personal injury protection. Just because you may think all the discounts add up to a free policy, it just doesn't work that way. But any discount will help reduce the cost of coverage.

To choose companies with discount car insurance rates in Pennsylvania, follow this link.

Are you falling for claims of savings?

Consumers in Pennsylvania can't ignore all the ads for cheaper car insurance from companies such as GEICO, State Farm and Progressive. They all seem to say the same thing that you can save if you change your policy.

But how can every company claim to save you money?

All companies have a certain "appetite" for the right customer that makes them money. For instance, a desirable insured might be between the ages of 40 and 55, owns a home, and drives less than 7,500 miles a year. Any new insured who fits that profile gets the lowest rates and as a result will probably save a lot of money.

Potential customers who are not a match for this ideal profile will have to pay higher prices which usually ends up with the customer not buying. Company advertisements say "customers that switch" not "everybody who quotes" save that kind of money. That is how insurance companies can advertise the way they do.

Because of the profiling, you should get a wide range of price quotes. It's just too difficult to predict which company will provide you with the cheapest rates.

Different people need different coverages

When buying the best car insurance coverage for your vehicles, there really is no "best" method to buy coverage. Coverage needs to be tailored to your specific needs.

For instance, these questions might point out whether you will benefit from professional help.

What is the difference between comprehensive and collision coverage?
Does my personal auto insurance policy cover using my vehicle for business use?
Should I have combined single limit or split liability limits?
Should I buy only the required Pennsylvania minimum liability coverage?
Who is covered when they drive my vehicle?
Am I covered when pulling a rental trailer?
Does my insurance cover a custom paint job?

If you don't know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, complete this form. It is quick, free and can help protect your family.

For more Pennsylvania car insurance information

More information is located on the Pennsylvania Insurance Department website located here. Visitors are able to view agent and company licensing information, read consumer alerts, and discover disciplinary actions.

Other informative sites include Wikipedia and this Clymer agent directory.

Best coverage at the best price

When shopping online for car insurance, don't be tempted to buy poor coverage just to save money. In many instances, an insured cut collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy the best coverage you can find at a price you can afford.

Affordable car insurance is attainable both online in addition to many Clymer insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some car insurance companies do not provide online price quotes and most of the time these small, regional companies sell through independent agents.

Consumers leave their current company for a number of reasons such as policy non-renewal, questionable increases in premium, delays in paying claims or even unfair underwriting practices. Regardless of your reason for switching companies, choosing a new insurance company is easier than you think.