Top 8 Ways You Can Buy Car Insurance for Less in Coopersburg

Expensive car insurance can take a big chunk out of your bank account and put a big crunch on your finances. Shopping your coverage around is free and is an excellent way to tighten up your finances.

Insurance companies such as GEICO and Progressive continually hit you with ad campaigns and it can be hard to sift through the bull and find the best price available.

Don't pay full price with these eight discounts

Car insurance companies don't always advertise all available discounts in a way that's easy to find, so the following is a list of both the well known as well as the least known ways to save on car insurance.

  • Fewer Miles Equal More Savings - Fewer annual miles could qualify for better rates on cars that stay parked.
  • Paperless Signup - Some insurance companies may give you up to $50 just for signing your application digitally online.
  • Own a Home - Owning a home in Coopersburg may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
  • Government Employees - Active or retired federal employment can earn a discount up to 10% depending on your company.
  • Auto/Life Discount - Some companies give better rates if you take out life insurance from them.
  • Clubs and Organizations - Being a member of a civic or occupational organization could trigger savings when buying car insurance.
  • Lower Rates for Military - Having a family member in the military may qualify for rate reductions.
  • Auto/Home Discount - If you have multiple policies with the same insurance company you could get a discount of 10% to 20% off each policy.

It's important to note that most discount credits are not given to all coverage premiums. Most only apply to individual premiums such as liability and collision coverage. Just because you may think you could get a free car insurance policy, you're out of luck.

car insurance in Coopersburg

The car insurance bait and switch

21st Century, Allstate and State Farm continually stream ads in print and on television. All the companies make the same claim that you can save after switching your coverage to them. How can each company claim to save you money?

Different companies have a preferred profile for the type of customer that earns them a profit. A good example of a profitable customer might be between 30 and 50, insures multiple vehicles, and chooses high deductibles. Any new insured who matches those parameters is entitled to the best price and therefore will save when they switch companies.

Consumers who don't measure up to the requirements must pay higher prices which leads to the customer not buying. The ads state "customers that switch" not "everyone that quotes" save that much money. This is how insurance companies can state the savings. This illustrates why drivers should get as many comparisons as possible. It's just too difficult to predict which insurance companies will give you the biggest savings.

Additional detailed information can be read at the Pennsylvania Insurance Department website. Visitors are able to discover disciplinary actions, get help finding coverage, report car insurance fraud, and download brochures.

Do the work, save more money

Lower-priced car insurance can be sourced both online as well as from independent agents in Coopersburg, so compare prices from both in order to have the best price selection to choose from. Some insurance companies don't offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

When buying insurance coverage, it's a bad idea to skimp on coverage in order to save money. There are a lot of situations where drivers have reduced full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The proper strategy is to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.