Tightwads Instructions on Saving on Conemaugh Auto Insurance

I can't think of anyone who likes paying for auto insurance, in particular when their premiums are through the roof.

Lots of contend for your insurance dollar, and it can be difficult to compare rates to find the absolute lowest rate

It's important to check auto insurance prices occasionally because insurance rates are constantly changing. Even if you think you had the lowest rates a year ago a different company probably has better rates today. Starting now, forget anything you know (or think you know) about auto insurance because you're about to learn the tricks you need to know to save money, get proper coverage and the best rates.

If you currently have car insurance, you should be able to lower your premiums substantially using these methods. Buying car insurance in Conemaugh is easy if you know what you're doing. But Pennsylvania drivers do need to know how insurance companies market insurance on the web and use this information to your advantage.

Take advantage of discounts

Companies do not advertise every available discount in an easy-to-find place, so we break down both well-publicized and the harder-to-find ways to save on auto insurance.

Discount for Swiching Early - Select companies give a discount for switching policies prior to your current policy expiring. The savings is around 10%.
Anti-theft System - Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
Low Mileage - Low mileage vehicles can earn better rates on cars that stay parked.
Safety Course Discount - Taking a course in driver safety can save you 5% or more if you qualify.
Accident Free - Good drivers with no accidents can save substantially compared to drivers who are more careless.
Military Rewards - Having a family member in the military could be rewarded with lower premiums.
Student Driver Training - Make teen driver coverage more affordable by requiring them to take driver's ed class if offered at their school.
Braking Control Discount - Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
Good Student - Performing well in school can save 20 to 25%. This discount can apply up until you turn 25.
Accident Forgiveness - A few companies will allow you to have one accident before your rates go up if you are claim-free for a certain period of time.

Drivers should understand that most discount credits are not given to your bottom line cost. Most cut the price of certain insurance coverages like medical payments or collision. So when the math indicates you would end up receiving a 100% discount, companies wouldn't make money that way.

What determines how much you pay?

Smart consumers have a good feel for the rating factors that play a part in calculating the price you pay for auto insurance. Understanding what controls the rates you pay allows you to make educated decisions that can help you get better auto insurance rates.

Traffic violations increase rates - Even a single moving violation can increase rates forty percent or more. Good drivers tend to pay less for car insurance than their less careful counterparts. Drivers who get dangerous violations like DWI, reckless driving or hit and run convictions may be required to file a SR-22 with their state DMV in order to prevent a license revocation.
How many coverages with the same company - Some auto insurance companies give discounts to customers who carry more than one policy. It's known as a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. Even though this discount sounds good, it's in your best interest to compare other company rates to make sure you are getting the best deal.
High crash test scores lower rates - Safer cars tend to have better insurance rates. Safer cars result in less severe injuries and lower injury rates means less money paid by your insurance company and lower rates for you.
Extra add-on coverages are wasting money - There are quite a few additional coverages you can purchase on your auto insurance policy. Coverages like roadside assistance, better glass coverage and motor club memberships may be wasting your money. They may seem like a good idea when talking to your agent, but if you don't need them get rid of them and save.

How to know if you need help

When it comes to buying adequate coverage for your vehicles, there is no one size fits all plan. Everyone's situation is unique so this has to be addressed. These are some specific questions might point out whether your personal situation may require specific advice.

Does my car insurance cover rental cars?
Does my personal auto insurance policy cover using my vehicle for business use?
Is my dog or cat covered if injured in an accident?
Should I have combined single limit or split liability limits?
Are there companies who specialize in insuring high-risk drivers?
Am I covered when delivering products for my home-based business?
What companies insure drivers after a DUI or DWI?

If it's difficult to answer those questions, you might consider talking to an agent. If you don't have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.

Are auto insurance companies telling the truth?

Companies like State Farm and Allstate consistently run ads on TV and radio. All the ads make the same claim that you'll save big if you change to them. How do they all make almost identical claims? This is how they do it.

Different companies have a certain "appetite" for the type of driver that earns them a profit. For example, a preferred risk could possibly be over the age of 50, owns a home, and has excellent credit. A driver who matches those parameters gets the lowest rates and most likely will cut their rates substantially.

Potential customers who don't qualify for the "perfect" profile will be charged higher prices which leads to the driver buying from a lower-cost company. The ads say "drivers who switch" not "people who quote" save money. That is how companies can make those claims. That is why drivers should compare many company's rates. It is impossible to predict which company will have the lowest rates.

More detailed Pennsylvania auto insurance information can be found at the Pennsylvania Insurance Department website. Pennsylvania consumers can file complaints about a company, read consumer alerts, find disaster information, and discover disciplinary actions.

Shop smart and save

In this article, we presented some good ideas how to reduce auto insurance prices online. It's most important to understand that the more you quote, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from a smaller regional carrier. Regional companies may only write in your state and offer lower rates than their larger competitors like .

While you're price shopping online, you should never skimp on coverage in order to save money. There have been many cases where an insured cut uninsured motorist or liability limits only to regret they didn't purchase enough coverage. Your goal should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.

Budget-conscious auto insurance is attainable online and with local Conemaugh insurance agents, and you should be comparing both so you have a total pricing picture. Some companies do not offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.