How to Know You're Wasting Money for Auto Insurance in Cressona

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us, there are many people just like you.

Drivers have multiple to buy insurance from, and although it's a good thing to have a choice, it can be more challenging to compare rates.

Comprehensive Cressona Auto Insurance Comparison

There are several ways to compare auto insurance prices and some are more efficient than others. You could spend your day driving to insurance companies in Cressona, or you could save time and use online quoting to quickly compare rates.

All the larger companies enroll in a system that allows shoppers to send in one quote, and at least one company returns a competitive quote determined by their information. This system prevents you from having to do repetitive form submissions for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

The only drawback to getting quotes like this is you can't choose which companies to get quotes from. If you prefer to choose specific providers to compare prices, we put together a list of auto insurance companies in Pennsylvania. View list of Pennsylvania insurance companies.

It's up to you how you get prices quotes, just ensure you are comparing identical coverages for each comparison quote. If your comparisons have different limits and deductibles on each one it's not possible to determine the lowest rate in Cressona. Having just a slight variation in coverages may cause a big price difference. Just remember that obtaining a wide range of quotes helps locate lower pricing.

Good Decisions Result in Lower Rates

It's important that you understand the rating factors that come into play when calculating auto insurance rates. Knowing what impacts premium levels enables informed choices that will entitle you to lower auto insurance prices.

The list below includes some of the factors auto insurance companies consider when setting prices.

Rates may be higher depending on your occupation - Careers like doctors, executives and financial analysts tend to have higher average rates because of high stress levels and lengthy work days. Conversely, occupations like actors, engineers and the unemployed receive lower rates.
Liability coverage protects you - The liability section of your policy provides coverage when a jury decides you are liable for causing damage or personal injury in an accident. It provides legal defense coverage starting from day one. Liability insurance is quite affordable compared to insuring for physical damage coverage, so drivers should carry high limits.
Men fork out a little more - Statistics demonstrate that women are safer drivers than men. However, don't assume that men are worse drivers. Women and men have accidents at about the same rate, but the men cause more damage and cost insurance companies more money. Men also statistically have more aggressive citations like reckless driving and DUI.
Discounts for married couples - Being married actually saves money on your auto insurance policy. Having a significant other means you're more responsible and it's proven that being married results in fewer claims.
Safer occupants lowers premiums - Cars with high safety ratings tend to have better insurance rates. The safest vehicles reduce injuries and better occupant protection means lower claim amounts and thus lower rates.
Older drivers save more - Teenage drivers in Pennsylvania tend to be careless and easily distracted when behind the wheel so they pay higher auto insurance rates. Older insureds are more cautious drivers, tend to file fewer claims and are safer drivers.

How much can you save with discounts?

Properly insuring your vehicles can get expensive, but you can get discounts that can drop the cost substantially. Certain discounts will be applied when you purchase, but lesser-known reductions have to be manually applied before being credited.

No Accidents - Drivers with accident-free driving histories can earn big discounts when compared to frequent claim filers.
Club Memberships - Affiliation with a qualifying organization could trigger savings when shopping for auto insurance.
Federal Government Employee - Simply working for the federal government can save as much as 8% with a few auto insurance companies.
Senior Discount - Older drivers can possibly qualify for better auto insurance rates.
Paperwork-free - Certain companies give back up to $50 for buying your policy over the internet.
Service Members Pay Less - Having a family member in the military can result in better rates.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. A few only apply to individual premiums such as comp or med pay. So when the math indicates you can get free auto insurance, auto insurance companies aren't that generous. Any amount of discount will bring down the amount you have to pay.

For a list of insurance companies with the best auto insurance discounts in Pennsylvania, click this link.

Additional information is available on the website for the Pennsylvania Insurance Department located here. Pennsylvania drivers can read industry bulletins, find out which companies have the most complaints, learn about insurance regulations, and get help finding coverage.

The best insurance company isn't always the cheapest

Cheap auto insurance is definitely available on the web and also from your neighborhood Cressona agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers may not provide online quoting and these smaller companies work with independent agents.

As you shop your coverage around, it's very important that you do not reduce needed coverages to save money. There are too many instances where someone sacrificed comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy enough coverage at a price you can afford while still protecting your assets.