Compare Cresson Car Insurance Prices With These Tricks

Are you intimidated by the number of car insurance options in Cresson? You're not alone. People have so many options that it can turn into a big hassle to find the perfect company for you.

It's important to do rate comparisons every six months because rates are constantly changing. Even if you got the best deal six months ago the chances are good that you can find a lower rate today. Starting now, block out anything you think you know about car insurance because you're going to learn the only way to remove unneeded coverages and save money.

Be sure to get all your discounts

Car insurance can cost a lot, but you may find discounts that many people don't even know exist. Larger premium reductions will be automatically applied at the time of quoting, but lesser-known reductions have to be requested specifically before you will receive the discount.

  • Discount for Good Grades - A discount for being a good student can get you a discount of up to 25%. The discount lasts until age 25.
  • Multi-car Discount - Buying insurance for more than one vehicle on the same car insurance policy may reduce the rate for each vehicle.
  • Anti-theft Discount - Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • Military Rewards - Having a deployed family member could mean lower rates.
  • Early Signing - Some insurance companies reward drivers for switching to them before your current expiration date. This can save 10% or more.

It's important to note that most credits do not apply to all coverage premiums. Most cut individual premiums such as medical payments or collision. So even though they make it sound like you can get free auto insurance, you're out of luck. But any discount will reduce the amount you have to pay.

To see a list of providers offering car insurance discounts in Cresson, follow this link.

Pennsylvania car insurance

How to Compare Car Insurance Quotes in Cresson, Pennsylvania

There are several ways to compare car insurance prices but some are less time-consuming than others. You can waste a lot of time driving to insurance agencies in Cresson, or you could save time and use the internet to get rates in a matter of minutes.

Many insurance companies take part in a program that allows shoppers to send in one quote, and every company can provide price quotes. This eliminates the need for repetitive form submissions to each individual car insurance company. To submit your quote information now, click to open in new window.

The only drawback to using this type of form is you are unable to specify which carriers you will receive quotes from. If you prefer to choose specific providers to compare rates, we have assembled a list of car insurance companies in Pennsylvania. Click here for list of insurance companies in Pennsylvania.

Which method you use is up to you, but ensure you are comparing exactly the same coverage limits and deductibles with each company. If you compare different liability limits it will be impossible to make an equal comparison in Cresson. Just a small difference in limits can mean a large discrepancy in price. Just remember that more quotes will increase your chances of finding the best rates.

Why some people pay less for insurance in Cresson

An important part of buying insurance is that you know some of the elements that go into determining your car insurance rates. Having a good understanding of what influences your rates allows you to make educated decisions that can help you get lower car insurance prices.

Listed below are some of the factors companies use to determine your rates.

  • How's your driving record? - Your driving record has a huge affect on how much you pay. Good drivers have lower premiums than bad drivers. Just one speeding ticket can increase rates forty percent or more. Drivers who get serious violations such as DWI, reckless driving or hit and run convictions may be required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.
  • Do you know your deductibles? - Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your car from damage. Examples of covered claims are a windshield shattered by a rock, damage caused by hail, or theft. Your deductibles are the amount of money you are willing to pay before your car insurance pays a claim. The more money you're willing to pay, the less your car insurance will be.
  • Do you qualify for a multi-policy discount? - Most companies give discounts to policyholders who have multiple policies with them such as combining an auto and homeowners policy. Discounts can be anywhere from five to ten percent in most cases. Even with this discount, you still need to compare rates to make sure you are getting the best deal. You may still be able to find a better deal by splitting coverages up.
  • High crash test scores lower rates - Cars with high safety ratings are cheaper to insure. Safer cars result in less severe injuries and fewer injuries means lower claim amounts and more competitive rates for policyholders.
  • Marriage brings a discount - Being married can actually save you money when buying car insurance. Marriage is viewed as being more mature and it's proven that being married results in fewer claims.
  • Battle of the sexes - Statistics demonstrate women are more cautious behind the wheel. That doesn't necessarily mean that women are better drivers. Women and men have accidents at about the same rate, but men cause more damage. Men also get cited for more serious violations such as reckless driving. Young males are most likely to cause an accident and therefore have the most expensive car insurance rates.

Is there truth in advertising?

Companies like State Farm and Allstate constantly bombard you with television and radio advertisements. All the ads say the same thing that you can save if you switch to them. How can each company make the same claim?

All companies are able to cherry pick for the type of driver that is profitable for them. An example of a preferred risk could be a mature driver, has no driving citations, and has a high credit rating. A customer who fits that profile gets the lowest rates and is almost guaranteed to save when they switch companies.

Potential insureds who don't measure up to the requirements will be charged more money which usually ends up with business going elsewhere. The ads say "customers that switch" but not "drivers who get quotes" save money. That's the way insurance companies can state the savings.

That is why drivers must get as many comparisons as possible. Because you never know which car insurance company will have the lowest rates.

Final considerations

We just showed you a lot of information how to compare car insurance prices online. The key thing to remember is the more you quote, the better chance you'll have of finding lower rates. You may even find the best price on car insurance is with a small local company.

Lower-priced car insurance can be found from both online companies and with local Cresson insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies do not offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

As you restructure your insurance plan, it's not a good idea to reduce coverage to reduce premium. There have been many cases where someone sacrificed comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your goal should be to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

More information is available on the Pennsylvania Insurance Department website located here. Consumers can file complaints about a company, report car insurance fraud, and read consumer alerts.