Lower Online Coplay Auto Insurance Prices With These Methods

If you've never shopped for auto insurance online, it's easy to get confused because of the huge number of auto insurance companies all offering big savings in Coplay.

These discounts can lower your rates

Insurance can cost an arm and a leg, but companies offer discounts that can drop the cost substantially. Certain discounts will be applied at the time of purchase, but lesser-known reductions have to be manually applied prior to receiving the credit.

  • More Vehicles More Savings - Buying coverage for multiple cars or trucks on one policy qualifies for this discount.
  • Auto/Home Discount - If you have multiple policies with one insurance company you may earn approximately 10% to 15%.
  • Federal Employees - Active or retired federal employment may qualify you for a discount depending on your company.
  • Theft Prevention System - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Homeowners Savings - Owning a home in Coplay may earn you a small savings because of the fact that having a home is proof that your finances are in order.
  • Seat Belts Save more than Lives - Buckling up and requiring all passengers to wear their seat belts can save 10% or more off your PIP or medical payments premium.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, auto insurance companies aren't that generous. Any amount of discount will help reduce the cost of coverage.

Different people need different coverages

When it comes to buying adequate coverage for your vehicles, there really is no perfect coverage plan. Everyone's situation is unique.

For instance, these questions might point out whether you might need an agent's assistance.

  • Am I covered when driving on a suspended license?
  • Am I covered when driving in Canada or Mexico?
  • Am I covered if I drive in a foreign country?
  • Do I need special endorsements for business use of my vehicle?
  • Does my policy cover my teen driver if they drive my company car?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Why am I required to get a high-risk car insurance policy?

If it's difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Are you falling for claims of savings?

Allstate, GEICO and Progressive regularly use ads on television and other media. All the companies make the same claim about savings if you move your policy. But how can every company claim to save you money? This is how they do it.

All the different companies have a certain "appetite" for the right customer that earns them a profit. For example, a profitable customer might be between the ages of 30 and 50, owns a home, and drives less than 7,500 miles a year. A customer getting a price quote who matches those parameters will qualify for the lowest rates and as a result will probably save a lot of money.

Potential customers who are not a match for this ideal profile must pay higher prices which leads to the customer not buying. The ad wording is "drivers who switch" not "everybody who quotes" save that kind of money. That is how companies can truthfully advertise the way they do.

This illustrates why you should quote coverage with many companies. It's impossible to know which company will provide you with the cheapest rates.

For more Pennsylvania car insurance information

Additional information can be found on the Pennsylvania Insurance Department website. Click here for link. Visitors are able to report car insurance fraud, read consumer alerts, and download brochures.

Also read more on this page for Pennsylvania auto insurance and this page for help finding agents in Coplay, PA.

Coplay auto insurance quote

Shop smart and save

Cheap auto insurance is definitely available both online in addition to many Coplay insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some auto insurance companies do not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

When shopping online for auto insurance, do not buy lower coverage limits just to save a few bucks. In too many instances, an insured cut uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your focus should be to get the best coverage possible for the lowest price while not skimping on critical coverages.

Insureds who switch companies do it for any number of reasons including lack of trust in their agent, policy non-renewal, extreme rates for teen drivers and even policy cancellation. Regardless of your reason for switching companies, switching auto insurance companies is less work than it seems.