Car Insurance in Donegal - 5 Discounts to Save Money
Finding the most affordable Donegal car insurance online can seem to be intimidating for people who are new to shopping for insurance online. Since there are so many companies competing online, how can consumers possibly compare them all to find the best pricing?
It's important to compare prices on a regular basis since rates are constantly changing. Even if you got the lowest price a few years ago a different company probably has better rates today. Ignore everything you know about car insurance because I'm going to let you in on the secrets to the tricks you need to know to eliminate unnecessary coverages and save money.
If you have a current car insurance policy or are looking for a new policy, you can learn to find the best rates and still get good coverage. Shopping for affordable protection in Donegal is easy if you know what you're doing. Pennsylvania drivers only need an understanding of the most effective way to get comparison rates over the internet.
Save big with these 5 discounts
Car insurance companies don't list all their discounts in an easy-to-find place, so we researched some of the more common and also the lesser-known discounts you could be receiving. If they aren't giving you every credit you deserve, you are throwing money away.
- Life Insurance Discount - Larger companies have lower rates if you buy auto and life insurance together.
- Accident Waiver - A few companies allow you one accident before your rates go up as long as you don't have any claims for a particular time prior to the accident.
- Driver Safety - Taking part in a driver safety course could cut 5% off your bill if you qualify.
- Own a Home - Owning a house in Donegal can save you money due to the fact that maintaining a home shows financial diligence.
- Early Switch Discount - Some companies give discounts for switching to them prior to your current policy expiring. It's a savings of about 10%.
Consumers should know that some of the credits will not apply to all coverage premiums. Most only reduce specific coverage prices like collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, companies don't profit that way.
Car insurance ads bend the truth
Consumers get pounded daily by advertisements for car insurance savings from the likes of GEICO, State Farm and Progressive. They all seem to have a common claim of big savings after switching your coverage to them.
How do they all make the same claim? It's all in the numbers.
All the different companies have a preferred profile for the type of customer that earns them a profit. For instance, a desirable insured could be a mature driver, insures multiple vehicles, and has a short commute. Any new insured that hits that "sweet spot" will get the preferred rates and most likely will cut their rates substantially.
Consumers who fall outside the "perfect" profile will have to pay higher prices and this can result in business going elsewhere. The ads state "customers who switch" not "people who quote" save that much money. This is how insurance companies can confidently make the claims of big savings. Because of the profiling, drivers should get as many comparisons as possible. It's just too difficult to predict which insurance companies will fit your personal profile best.
For more Pennsylvania car insurance information
More tips and info about car insurance is located at the Pennsylvania Insurance Department website. Consumers can file complaints about an insurance agent or broker, get help finding coverage, and discover disciplinary actions.
In the end, you save
As you shop your coverage around, you should never skimp on coverage in order to save money. In many instances, drivers have reduced liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to get the best coverage possible at the best price.
Cost effective car insurance can be purchased from both online companies as well as from independent agents in Donegal, and you need to price shop both in order to have the best price selection to choose from. Some insurance providers don't offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.
You just learned a lot of techniques to reduce car insurance prices online. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your rates. You may even find the best price on car insurance is with some of the smallest insurance companies.
