Tightwads Tips for Saving on Collegeville Auto Insurance

Are you sick and tired of paying out the nose each month for car insurance? Your situation is no different than many other drivers in Pennsylvania.

You have multiple to pick from, and though it is a good thing to have a choice, having more makes it harder to compare rates.

It's important to do rate comparisons before your policy renews because insurance rates are constantly changing. Despite the fact that you may have had the lowest price six months ago there may be better deals available now. Forget all the misinformation about auto insurance because we're going to demonstrate one of the best ways to find better coverage at a better price.

Choosing the best insurance company for you in Collegeville is not that difficult. Essentially every vehicle owner who carries auto insurance will be able to cut their insurance bill. Although Pennsylvania drivers do need to know the way insurance companies compete online because it can help you find the best coverage.

Pennsylvania auto insurance

Don't pay full price with these discounts

Companies do not advertise every available discount very clearly, so we researched both well-publicized and the more hidden savings tricks you should be using.

  • Air Bag Discount - Vehicles with factory air bags may earn rate discounts of 20% or more.
  • Employee of Federal Government - Simply working for the federal government can save as much as 8% with certain companies.
  • Resident Student - Kids in college who are attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Life Insurance - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Driver Safety - Completing a course in driver safety could save 5% or more depending on where you live.
  • Multi-policy Discount - When you have multiple policies with the same insurance company you will save up to 20% off your total premium.
  • Accident Free - Claim-free drivers pay much less compared to frequent claim filers.

A little note about advertised discounts, most discount credits are not given to the entire cost. Most cut the cost of specific coverages such as medical payments or collision. Just because it seems like it's possible to get free car insurance, you won't be that lucky.

For a list of providers who offer auto insurance discounts in Pennsylvania, click here to view.

How to Compare Collegeville Auto Insurance Rates

Effectively comparing auto insurance prices can take time and effort if you don't know the easiest way. You can waste hours discussing policy coverages with insurance agencies in Collegeville, or you can utilize the internet to get prices fast.

Most car insurance companies take part in a program that enables customers to complete one form, and at least one company can provide price quotes. This saves time by eliminating quotation requests to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

One minor caviat to getting quotes like this is you are unable to specify the companies you will receive quotes from. So if you prefer to pick specific providers to compare, we put together a list of low cost auto insurance companies in Pennsylvania. Click to view list.

It's up to you which method you use, but ensure you're using identical coverage information for each comparison quote. If you compare unequal deductibles or liability limits it will be impossible to determine the lowest rate in Collegeville. Quoting even small variations in coverages can mean a large discrepancy in price. And when price shopping your coverage, more quotes helps you find the best offered rates.

Shop smart and save

In this article, we presented some good ideas how you can get a better price on auto insurance. The most important thing to understand is the more you quote, the more likely it is that you will get a better rate. Consumers may even find the best price on auto insurance is with an unexpected company. These companies may cover specific market segments cheaper as compared to the big name companies such as .

As you restructure your insurance plan, make sure you don't sacrifice coverage to reduce premiums. There have been many cases where an accident victim reduced liability coverage limits only to discover later that they should have had better coverage. Your goal should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.