7 Tricks Guaranteed to Slash the Cost of Car Insurance Costs in Delta, PA

Did you fall for a flashy sales pitch and buy overpriced car insurance? Believe me when I say you are not the only one feeling buyer's remorse.

Big companies like GEICO and Progressive continually hit you with ad campaigns and it can be hard to sift through the bull and find the best price available.

It's important to take a look at other company's rates every six months since rates are constantly changing. If you had the best price last year you may be paying too much now. Ignore everything you know about car insurance because you're about to find out the fastest and easiest way to reduce your cost while improving coverage.

If you currently have car insurance, you will most likely be able to lower your premiums substantially using these techniques. Choosing the best insurance company for you in Delta is quite easy. Nevertheless, Pennsylvania consumers do need to know how companies market on the web and apply this information to your search.

How to Compare Car Insurance in Delta, Pennsylvania

There are multiple methods to compare car insurance prices but some are less labor-intensive and much quicker. You could spend your day talking to insurance companies in Delta, or you could save time and use the web to get rate comparisons in just a few minutes.

All the larger companies enroll in a system that enables customers to send in one quote, and each participating company then gives them pricing for coverage. This saves time by eliminating quote forms to each individual car insurance company.

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

The one downside to comparing rates this way is you cannot specify which companies you want pricing from. If you prefer to choose individual companies to compare rates, we have a listing of car insurance companies in Pennsylvania. View list of Pennsylvania insurance companies.

It's up to you which method you use, but ensure you are comparing exactly the same coverages on every quote you get. If you use different limits and deductibles on each one it's impossible to determine which rate is truly the best in Delta. Quoting even small variations in coverage limits may cause a big price difference. Just remember that obtaining a wide range of quotes will improve the odds of getting lower pricing.

Don't pay full price with these seven discounts

Insuring your vehicles can cost a lot, but you can get discounts that can drop the cost substantially. Some trigger automatically when you quote, but a few need to be asked for before you get the savings.

  • Sign Online - Some insurance companies may give you up to $50 simply for signing digitally online.
  • Club Memberships - Being a member of a civic or occupational organization is a good way to get lower rates on car insurance.
  • Seat Belts Save - Buckling up and requiring all passengers to wear their seat belts could save 15% off your medical payments premium.
  • Federal Government Employee - Simply working for the federal government can earn a discount up to 10% with select insurance companies.
  • Life Insurance - Larger companies have better rates if you take out life insurance from them.
  • Senior Citizens - Older drivers can possibly qualify for better car insurance rates.
  • No Accidents - Drivers with accident-free driving histories can save substantially as compared to frequent claim filers.

It's important to understand that most discount credits are not given to all coverage premiums. Most only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, it doesn't quite work that way. Any qualifying discounts will reduce your premiums.

For a list of companies with the best car insurance discounts in Delta, click here to view.

Additional car insurance information can be found on the website for the Pennsylvania Insurance Department located here. Visitors are able to get help finding coverage, find out which companies have the most complaints, find a variety of consumer forms, and download brochures.

Shop smart and save

Low-cost car insurance is definitely available both online and also from your neighborhood Delta agents, so you should compare both to have the best selection. There are still a few companies who may not provide online quoting and most of the time these regional insurance providers sell through independent agents.

As you prepare to switch companies, it's a bad idea to reduce needed coverages to save money. In many cases, someone sacrificed physical damage coverage only to regret at claim time that the small savings ended up costing them much more. Your aim should be to buy a smart amount of coverage at a price you can afford.