Tightwads Tips for Saving on Coatesville Auto Insurance

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us when we tell you you are not the only one feeling buyer's remorse. You have so many to pick from, and although it's a good thing to have a selection, lots of choices makes it harder to compare rates.

It's important to price shop coverage every six months because prices are constantly changing. Despite the fact that you may have had the best rates on your last policy the chances are good that you can find a lower rate today. Don't believe everything you read about auto insurance on the internet, so we're going to give you some great ways to save money.

This article will help educate you on the most effective way to quote insurance and some money-saving tips. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. Pennsylvania vehicle owners just need to know the most efficient way to compare prices over the internet.

How much can you save with discounts?

Car insurance is not cheap, buy you may qualify for discounts to cut the cost considerably. Certain discounts will be applied at quote time, but some may not be applied and must be inquired about in order for you to get them. If you're not getting every credit possible, you're paying more than you need to.

Anti-theft Discount - Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
Multiple Vehicles - Buying insurance for multiple vehicles on the same auto insurance policy may reduce the rate for each vehicle.
Resident Student - Children living away from home attending college and do not have access to a covered vehicle can receive lower rates.
Discount for Life Insurance - Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
Homeowners Discount - Being a homeowner may trigger a auto insurance policy discount due to the fact that maintaining a home demonstrates responsibility.
Payment Method - If you pay your bill all at once instead of paying each month you could save 5% or more.
Senior Citizens - Mature drivers may be able to get a discount up to 10%.
Low Mileage - Fewer annual miles could qualify for lower rates on the low mileage vehicles.
No Charge for an Accident - Certain companies will forgive one accident before raising your premiums if you are claim-free prior to the accident.
Save with a New Car - Adding a new car to your policy can be considerably cheaper since new cars are generally safer.

Drivers should understand that most credits do not apply to all coverage premiums. Most only cut individual premiums such as comprehensive or collision. So even though they make it sound like you can get free auto insurance, companies wouldn't make money that way. But all discounts will bring down the amount you have to pay.

To see a list of providers who offer auto insurance discounts in Pennsylvania, follow this link.

How to Compare Auto Insurance Quotes in Coatesville, Pennsylvania

There are several ways to compare auto insurance prices but one way is less time-consuming than others. You can waste a lot of time talking about coverages with agents in Coatesville, or you could save time and use online quoting to get prices fast.

Many insurance companies are enrolled in a marketplace that allows shoppers to send in one quote, and every company can give them a price based on the submitted data. This eliminates the need for quote requests for each company you want a rate for.

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 which carriers you want to price. If you prefer to choose specific providers for rate comparison, we have a page of auto insurance companies in Pennsylvania. Click to view list.

It doesn't matter which method you choose, just ensure you are comparing identical coverage information for every company. If you enter unequal deductibles or liability limits it's impossible to decipher which rate is best in Coatesville.

Learn How to Buy Auto Insurance Cheaper

An important part of buying insurance is that you know some of the elements that help determine the rates you pay for auto insurance. Knowing what controls the rates you pay helps enable you to make changes that can help you get lower auto insurance prices.

The following are some of the items that factor into your rates.

More than one policy can earn a discount - Many companies give discounts to insureds who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, you still need to compare rates to confirm you are receiving the best rates possible. You may still find a better deal by buying insurance from more than one company.
Do you know your deductibles? - Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some examples of claims that would be covered would be a windshield shattered by a rock, damage caused by hail, or theft. Your deductibles are the amount of money you are required to spend if you file a covered claim. The more expense the insured has to pay upfront, the less your auto insurance will be.
Mature drivers pay less - Youthful drivers in Pennsylvania are known to be less responsible when behind the wheel so they pay higher auto insurance rates. Older insureds tend to be more responsible, tend to file fewer claims and are safer drivers.
Proper usage rating affects rates - Driving more miles in a year the higher your rates will be. The majority of insurers charge to insure your cars based on how the vehicle is used. Vehicles left parked in the garage get more affordable rates compared to those used for work or business. Make sure your auto insurance coverage shows the proper vehicle usage.
Your spouse saves you money - Getting married can get you a discount when buying auto insurance. Marriage usually means you are more mature than a single person and it's proven that being married results in fewer claims.
Lower rates with optional equipment - Choosing a vehicle with an alarm system can get you a discount on your auto insurance. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.

Save 15 percent in 15 minutes? Is it for real?

Consumers in Pennsylvania can't get away from ads that promise big savings from companies such as Allstate and Progressive. All the ads say the same thing that you'll save big after switching your policy.

How does each company claim to save you money?

All companies are able to cherry pick for the right customer that is profitable for them. A good example of a preferred risk might be between the ages of 30 and 50, has no driving citations, and has great credit. A customer getting a price quote who fits that profile will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential insureds who don't meet these standards will be charged more money which usually ends up with the customer not buying. The ad wording is "customers that switch" but not "drivers who get quotes" save that kind of money. That's the way companies can advertise the savings.

That is why drivers must get as many quotes as possible. It's impossible to know which auto insurance company will fit your personal profile best.

A tidy conclusion

When you buy insurance online, make sure you don't reduce coverage to reduce premium. Too many times, someone sacrificed collision coverage and discovered at claim time that the few dollars in savings costed them thousands. The aim is to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

Budget-conscious auto insurance can be bought both online in addition to many Coatesville insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who do not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

Much more information about auto insurance in Pennsylvania can be read on the website for the Pennsylvania Insurance Department located here. Visitors are able to read consumer alerts, report car insurance fraud, read enforcement actions against agents and companies, and file complaints about an insurance agent or broker.

Additional helpful sites include BankRate.com's Car Insurance: When not to Skimp and this Coatesville agent directory.