How to Know You're Wasting Money for Car Insurance in Curryville

Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us, you're not the only one. With consumers having so many companies and agents to choose from, it is hard for the average consumer to choose the most affordable insurance company.

It's important to compare prices every six months because rates are constantly changing. Even if you got the best rates last year you may be paying too much now. You can find a lot of misleading information regarding car insurance on the web, but I'm going to show you some great ways to slash your car insurance rates.

How to Compare Car Insurance Quotes in Curryville, Pennsylvania

Most major insurance companies provide coverage prices directly from their websites. The process is quite simple as you just type in the coverages you want into the quote form. Behind the scenes, their rating system will obtain information on your driving record and credit history and returns a price quote based on these and other factors. This helps simplify price comparisons, but the time required to go to multiple sites and complete many quote forms gets old quite quickly. Unfortunately, it is important to have as many quotes as possible if you want to find a lower rate.

Quote rates the easy way

A less time-consuming method to lower your rates utilizes a single form that obtains quotes from a bunch of companies at once. It's a real time-saver, requires much less work on your part, and makes online price comparison much more enjoyable. After sending your information, it gets priced and you can select any or none of the returned quotes. If you find a better price you can simply submit the application and buy the new coverage. The whole process can be completed in less than 10 minutes and you'll know if lower rates are available.

If you want to find out how much you're overpaying now, click here and begin entering your coverage information. If you have your current policy handy, we recommend you duplicate coverages and limits identical to your current policy. This way, you're receiving a rate comparison based on similar coverages.

Good Decisions Result in Lower Rates

It's important that you understand some of the elements that help determine your car insurance rates. When you know what positively or negatively impacts premium levels enables informed choices that may reward you with better car insurance rates.

Where do you drive? - Driving more miles in a year the more you will pay for car insurance. Most insurance companies rate vehicles based upon how you use the vehicle. Vehicles that are left in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Verify your car insurance coverage properly reflects the proper vehicle usage.
Do you know your deductibles? - Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply are collision with another vehicle, collision with an animal, and burglary. Your deductibles are how much you are required to spend in the event of a claim. The more expense you are required to pay out-of-pocket, the less your car insurance will be.
Big city or small town - Choosing to live in a small town can be a good thing when it comes to car insurance. City drivers have to deal with much more traffic and longer commute times. Fewer people translates into fewer accidents and a lower car theft rate.
Poor credit can mean higher rates - Credit history is a big factor in calculating your car insurance rates. Therefore, if your credit rating is not that good, you could be paying less to insure your by improving your rating. Drivers who have good credit tend to be better drivers and file fewer claims than drivers who have lower credit scores.
How's your driving record? - Your driving citation history has a big impact on rates. Careful drivers get better rates compared to drivers with tickets. Just one moving violation can boost insurance rates forty percent or more. Drivers who have flagrant citations such as reckless driving, hit and run or driving under the influence may need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to keep their license.
Do men or women drive better? - Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Men and women cause accidents at a similar rate, but the males have costlier accidents. They also get cited for more serious violations such as reckless driving. Youthful male drivers are the most expensive to insure and thus pay the highest rates.

More discounts equal less premium

Companies don't list all their discounts very well, so the following is a list of some of the more common and also the lesser-known car insurance savings. If you don't get every credit possible, you're just leaving money on the table.

Discount for Life Insurance - Companies who offer life insurance give a break if you buy life insurance from them.
Multiple Vehicles - Having multiple vehicles on one policy can get a discount on all vehicles.
Bundle and Save - When you have multiple policies with the same insurance company you may save 10% to 20% off each policy.
Anti-lock Brake Discount - Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
Discount for Good Grades - Getting good grades can save 20 to 25%. The good student discount can last well after school through age 25.
No Charge for an Accident - Some insurance companies allow you one accident without raising rates as long as you don't have any claims for a certain period of time.

As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Most only apply to specific coverage prices like collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, car insurance companies aren't that generous.

For a list of companies who offer car insurance discounts in Pennsylvania, follow this link.

Even more information can be read at the Pennsylvania Insurance Department website. Consumers can file complaints about an insurance agent or broker, report car insurance fraud, view agent and company licensing information, and find out industry alerts.

Other useful links include Auto Insurance 101 and this page where you can research Curryville insurance agents.

Best coverage at the best price

As you prepare to switch companies, do not reduce needed coverages to save money. In many instances, someone sacrificed full coverage and found out when filing a claim that the small savings ended up costing them much more. The ultimate goal is to buy enough coverage at the best price.

Cheap car insurance can be purchased from both online companies and also from your neighborhood Curryville agents, so compare prices from both to have the best chance of lowering rates. There are still a few companies who may not provide online quoting and most of the time these small insurance companies sell through independent agents.

We just showed you many ways to lower your car insurance rates. The most important thing to understand is the more rate quotes you have, the higher your chance of finding lower rates. Consumers may even find the best prices are with some of the smallest insurance companies. Smaller companies may have significantly lower rates on certain market segments as compared to the big name companies such as .