Proven Ways to Save on Confluence Auto Insurance

I can't think of anyone who likes having to buy auto insurance, especially knowing the cost is too high. Because you have many choices, it's difficult to choose the most affordable company.

It's important to compare prices periodically since insurance rates are constantly changing. Even if you got the best rates a few years ago you may be paying too much now. You can find a lot of misleading information regarding auto insurance on the internet, so we're going to give you some great ways to slash your auto insurance rates.

How to Get Confluence Auto Insurance Comparison Quotes

Getting better auto insurance pricing isn't really that difficult. You just have to invest a little time getting comparison quotes from different insurance companies. This can be accomplished in several different ways.

The first (and easiest) way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This form keeps you from doing separate quotes for each company. Just one form gets rate comparisons instantly.

A less efficient way to get quotes online is spending the time to visit each company website and fill out their own quote form. For example, we'll assume you want to compare , and . You would have to visit each site and enter your policy data, and that's why the first method is more popular.

To view a list of companies in Confluence, click here.

It's up to you how you get prices quotes, just be sure to compare apples-to-apples information for each comparison quote. If you compare higher or lower deductibles it will be very difficult to determine the lowest rate in Confluence.

How to Lower your Auto Insurance Rates

It's important that you understand the rating factors that help determine auto insurance rates. When you know what positively or negatively influences your rates empowers consumers to make smart changes that can help you get better auto insurance rates.

The type of vehicle makes a difference - The type of vehicle you drive makes a significant difference in the rate you pay. The cheapest insurance rates are usually for economy passenger models, but other factors influence the final cost greatly.
Traffic citations inflate rates - Even a single ticket can bump up the cost forty percent or more. Drivers who don't get tickets tend to pay less for car insurance compared to drivers with tickets. Drivers who get flagrant violations such as DUI or reckless driving may be required to file a SR-22 with the DMV in their state in order to keep their license.
Where you live - Living in a small town has it's advantages when buying auto insurance. Drivers in populated areas have to deal with congested traffic and longer commutes to work. Lower population means a lower chance of having an accident and a lower car theft rate.
Consolidate policies to earn discounts - Many auto insurance companies give discounts to people who carry more than one policy, otherwise known as a multi-policy discount. Even with this discount, it's in your best interest to shop around to verify if the discount is saving money.

Save big with these discounts

Companies don't always list every available discount very well, so the following is a list of some of the best known and the harder-to-find ways to save on auto insurance. If you don't get every credit you qualify for, you're just leaving money on the table.

Early Switch Discount - Select companies give a discount for signing up before your current policy expires. It's a savings of about 10%.
Good Student - Getting good grades can save 20 to 25%. The good student discount can last well after school through age 25.
Multi-policy Discount - When you have multiple policies with the same company you may earn 10% to 20% off each policy.
Anti-theft System - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
Payment Method - If paying your policy premium upfront rather than paying monthly you could save up to 5%.

Keep in mind that most discount credits are not given to the entire policy premium. Most cut the price of certain insurance coverages like medical payments or collision. So even though they make it sound like you could get a free auto insurance policy, it just doesn't work that way.

For a list of providers who offer auto insurance discounts in Pennsylvania, click this link.

But I don't know anything about car insurance

When it comes to choosing coverage for your vehicles, there really is no one size fits all plan. Everyone's situation is unique so this has to be addressed. These are some specific questions may help highlight if your situation would benefit from professional advice.

Does my car insurance cover rental cars?
Should I buy only the required Pennsylvania minimum liability coverage?
What is the difference between comprehensive and collision coverage?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Do I have any recourse if my insurance company denies a claim?
Am I covered when driving on a suspended license?

If it's difficult to answer those questions then you might want to talk to an insurance agent. If you don't have a local agent, complete this form or click here for a list of auto insurance companies in your area. It's fast, free and may give you better protection.

Additional detailed information can be read at the Pennsylvania Insurance Department website. Pennsylvania drivers can learn about specific coverages, file complaints about a company, view agent and company licensing information, and read consumer alerts.

Other useful links include III.org's auto insurance page and this directory of insurance agents in Confluence Pennsylvania.

And the best car insurance company is...

In this article, we covered some good ideas how to lower your auto insurance rates. The most important thing to understand is the more you quote, the better chance you'll have of finding lower rates. Consumers may even find the best price on auto insurance is with a smaller regional carrier. Smaller companies can often insure niche markets at a lower cost than their larger competitors like .

When shopping online for auto insurance, do not reduce needed coverages to save money. There have been many cases where someone dropped full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.