How to Know You're Spending Too Much for Auto Insurance in Dalton

Having to pay for overpriced auto insurance can take a big chunk out of your savings account and make it impossible to make ends meet. Comparison shopping is free and is an excellent way to help make ends meet.

Big companies like State Farm, Allstate, GEICO and Progressive constantly blast consumers with advertising and it is difficult to sift through the bull and effectively compare rates to find the best deal.

If you have car insurance now, you should be able to save some money using this strategy. Finding the best rates in Dalton is not that difficult. Although Pennsylvania consumers do need to know how the larger insurance companies price insurance differently and take advantage of how the system works.

These discounts can lower your rates

Insuring your fleet can be pricey, but discounts can save money and there are some available to reduce the price significantly. Certain discounts will be triggered automatically when you purchase, but some must be specially asked for before being credited.

  • Payment Method - If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
  • Accident Waiver - A handful of insurance companies will forgive one accident before your rates go up if your claims history is clear prior to the accident.
  • Save with a New Car - Buying coverage on a new vehicle is cheaper since new cars are generally safer.
  • Paperwork-free - Certain companies may give you up to $50 for buying your policy digitally online.
  • Claim Free - Drivers who don't have accidents can earn big discounts when compared to drivers who are more careless.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class if it's offered in school.
  • Distant Student - Any of your kids who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. The majority will only reduce individual premiums such as liability and collision coverage. So when the math indicates it's possible to get free car insurance, you won't be that lucky. Any amount of discount will reduce the cost of coverage.

compare Dalton auto insurance rates

Are you falling for claims of savings?

Auto insurance providers like State Farm, Allstate and GEICO continually stream ads on television and other media. They all make the same claim about savings after switching your coverage to them. How can each company claim to save you money?

All companies have a preferred profile for the type of customer that earns them a profit. An example of a driver they prefer might be between the ages of 40 and 55, insures multiple vehicles, and chooses high deductibles. A customer getting a price quote who matches those parameters gets the lowest rates and as a result will probably save when they switch companies.

Consumers who are not a match for the requirements will be quoted higher prices which leads to the customer not buying. Company advertisements say "customers that switch" not "everybody who quotes" save that much money. This is how companies can truthfully state the savings.

This emphasizes why you should get quotes from several different companies. It's impossible to know which insurance companies will give you the biggest savings.

Additional information is available on the website for the Pennsylvania Insurance Department located here. Visitors are able to view a list of available companies, get help finding coverage, file complaints about an insurance agent or broker, and find out which companies have the most complaints.

Shop smart and save

The cheapest auto insurance can be purchased both online as well as from independent agents in Dalton, so you should be comparing quotes 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 these smaller companies work with independent agents.

When buying insurance coverage, it's not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. The proper strategy is to buy the best coverage you can find at a price you can afford while still protecting your assets.