Proven Techniques to Save on Collingdale Car Insurance

Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us, many Collingdale consumers feel financially strained by their car insurance policy.

You have so many to pick from, and although it's a good thing to have a choice, lots of choices makes it harder to compare rates.

Shopping for the lowest cost car insurance coverage in Collingdale is easy if you know what you're doing. Basically, every driver who is required by state law to have car insurance will most likely be able to lower their premiums. But Pennsylvania consumers do need to know how the larger insurance companies market on the web because it can help you find the best coverage.

How to Compare Collingdale Car Insurance Costs

There are several ways of comparing rates from car insurance companies in your area. The recommended way to find the cheapest insurance rates is simply to get online rate quotes. This can be accomplished using a couple different methods.

The first (and easiest) way consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This method saves time by eliminating separate quotation requests for every car insurance company. Completing one form gets you coverage quotes from car insurance companies with the best prices.

A slightly less efficient method to compare rate quotes consists of going to the website of each company to complete a price quote. For instance, let's say you want to compare rates from , and . To get rate quotes you would need to go to every website to enter your coverage information, and that's why the first method is more popular. To view a list of companies in Collingdale, click here.

It doesn't matter which method you choose, just compare identical coverages with each company. If your comparisons have different limits and deductibles on each one it will be very difficult to make an equal comparison in Collingdale. Just a small difference in insurance coverages may result in large price differences. Just keep in mind that comparing more company's prices helps you find lower pricing.

compare Collingdale car insurance rates

Learn How to Buy Car Insurance Cheaper

It's important that you understand some of the elements that come into play when calculating the rates you pay for car insurance. Knowing what controls the rates you pay helps enable you to make changes that will entitle you to lower car insurance prices.

  • Save money with special equipment - Choosing a vehicle with anti-theft technology or alarm system can get you a discount on your car insurance. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
  • Safer occupants lowers premiums - Cars with high safety ratings are cheaper to insure. The safest vehicles have better occupant injury protection and any reduction in injury severity means lower claim amounts and thus lower rates.
  • Too many car insurance claims drive up costs - If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Companies in Pennsylvania provide lower rates to people who do not rely on their insurance for small claims. Auto insurance is intended for the large, substantial claims.
  • Your location affects your rates - Choosing to live in a rural area can save you money when talking about car insurance. City drivers have to deal with traffic congestion and much longer commute distances. Lower population means reduced accidents as well as less vandalism and auto theft.
  • Men fork out a little more - Statistics demonstrate that women are safer drivers than men. However, don't assume that men are WORSE drivers than women. Women and men tend to get into accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Men also statistically get cited for more serious violations like DUI and reckless driving.
  • Your spouse saves you money - Having a wife or husband actually saves money when buying car insurance. Having a significant other usually means you are more mature than a single person it has been statistically shown that being married results in fewer claims.
  • Better credit scores mean better rates - Having a bad credit rating is a huge factor in calculating your car insurance rates. Consumers who have high credit scores tend to be less risk to insure than drivers who have lower ratings. So if your credit score can use some improvement, you could be paying less to insure your by spending a little time repairing your credit.

Take advantage of discounts

Insuring your fleet can be pricey, buy you may qualify for discounts that can drop the cost substantially. Certain discounts will be triggered automatically at the time of quoting, but less common discounts must be asked for before you will receive the discount.

  • Drivers Education - Require your teen driver to successfully complete driver's ed class in high school.
  • Military Discounts - Having a deployed family member can result in better rates.
  • Federal Government Employee - Simply working for the federal government can save as much as 8% with a few car insurance companies.
  • Discount for Life Insurance - Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
  • Senior Citizens - Older drivers can possibly qualify for a discount up to 10%.
  • Pay Upfront and Save - If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • Paperwork-free - Certain companies may give you up to $50 for buying a policy and signing up over the internet.
  • No Charge for an Accident - Certain companies will allow you to have one accident without raising rates if your claims history is clear prior to the accident.
  • Passive Restraints and Air Bags - Cars that have air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • No Claims - Drivers with accident-free driving histories pay much less when compared to frequent claim filers.

Drivers should understand that most credits do not apply the the whole policy. A few only apply to the price of certain insurance coverages like liability and collision coverage. So when the math indicates you can get free auto insurance, companies wouldn't make money that way. But all discounts will bring down your overall premium however.

For a list of insurance companies with the best car insurance discounts in Pennsylvania, follow this link.

Much more information about car insurance in Pennsylvania is located on the website for the Pennsylvania Insurance Department. Click here for link. Visitors are able to view a list of available companies, find disaster information, download brochures, and view agent and company licensing information.

Other useful links include this site for car insurance rates in Pennsylvania and this list of insurance agents in Collingdale, PA.

car insurance in Collingdale

Final considerations

Budget-conscious car insurance is definitely available both online in addition to many Collingdale insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies do not provide online quoting and these small, regional companies work with independent agents.

When trying to cut insurance costs, make sure you don't reduce needed coverages to save money. There have been many situations where an insured dropped liability coverage limits only to discover later that it was a big mistake. The proper strategy is to buy enough coverage for the lowest price while still protecting your assets.