Top 9 Ways to Get Lower Rates on Car Insurance in Denver, PA

Did you fall for a flashy sales pitch and buy overpriced car insurance? Believe me, there are many people just like you. There is such a variety of to buy insurance from, and although it's nice to have a choice, so many choices can make it hard to compare rates.

It's important to get comparison quotes every six months since rates are constantly changing. Even if you think you had the lowest rates last year you may be paying too much now. So just block out anything you think you know about car insurance because we're going to show you the tricks you need to know to save on car insurance.

How to Compare Car Insurance Quotes in Denver, 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 agencies in Denver, or you could save time and use the web to quickly compare rates.

All the larger companies participate in a marketplace that enables customers to send in one quote, and each participating company can give them a price. This eliminates the need for form submissions to each individual car insurance company.

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

The only drawback to doing it this way is you are unable to specify which companies you want to price. If you prefer to choose from a list of companies to compare rates, we put together a list of car insurance companies in Pennsylvania. Click here to view list.

Whichever way you use, ensure you are comparing identical coverage limits for each price quote. If you compare differing limits it's not possible to truly determine the lowest rate in Denver.

Denver car insurance quote

Don't pay full price with these nine discounts

Car insurance companies don't list every available discount very clearly, so we break down both the well known as well as the least known car insurance savings. If you're not getting every credit possible, you're just leaving money on the table.

  • Theft Prevention Discount - Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Club Memberships - Being a member of a qualifying organization could qualify you for a break on your policy.
  • Safety Course Discount - Successfully completing a defensive driving course could possibly earn you a 5% discount depending on where you live.
  • Resident Student - Children who attend school more than 100 miles from home and don't have a car may be able to be covered for less.
  • Save with a New Car - Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Federal Government Employee - Simply working for the federal government could cut as much as 10% off with certain companies.
  • Passive Restraint Discount - Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
  • Military Discounts - Having a deployed family member could be rewarded with lower premiums.
  • Discount for Good Grades - Getting good grades can earn a discount of 20% or more. This discount can apply up until you turn 25.

As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Most cut individual premiums such as comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, car insurance companies aren't that generous.

For a list of providers with discount car insurance rates in Pennsylvania, follow this link.

Even more information can be found at the Pennsylvania Insurance Department website. Visitors are able to read consumer alerts, find out which companies have the most complaints, discover disciplinary actions, and read enforcement actions against agents and companies.

In the end, you save

As you prepare to switch companies, it's very important that you do not reduce needed coverages to save money. Too many times, someone sacrificed uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. The aim is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

Cheap car insurance is attainable both online in addition to many Denver insurance agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who do not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.