Easy Tips to Cut Costs on Dresher Car Insurance

If shopping for car insurance online is new to you, you may be overwhelmed by the large number of car insurance companies competing for business in Dresher.

It's important to compare prices occasionally due to the fact that insurance rates are constantly changing. Even if you got the best price a year ago there is a good chance you can find better rates now. Block out anything you think you know about car insurance because you're about to learn the tricks you need to know to find better coverage at a better price.

Finding affordable coverage in Dresher is easy if you know what you're doing. If you have a current car insurance policy or are shopping for new coverage, you will benefit by learning to find better prices while maintaining coverages. Pennsylvania vehicle owners just need to know the proper methods to compare rates over the internet.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the rating factors that help determine the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay enables informed choices that can help you get big savings.

Poor credit can mean higher rates - Your credit history is a large factor in determining your rates. If your credit score is not that good, you could save money insuring your by improving your rating. Drivers who have excellent credit tend to be better drivers and file fewer claims as compared to drivers with lower credit scores.
Your location is important - Living in less populated areas has it's advantages when talking about car insurance. Drivers in populated areas regularly have congested traffic and longer commutes to work. Fewer drivers translates into fewer accidents.
Teen drivers pay high rates - Youthful drivers in Pennsylvania are known to be less responsible behind the wheel so car insurance rates are higher. Having to add a youthful driver to your car insurance policy can be quite pricey. Older drivers tend to be more responsible, file fewer claims and are safer drivers.
Discounts for married couples - Having a spouse can get you a discount on your car insurance policy. Marriage means you're more mature than a single person and it's statistically proven that married couples file fewer claims.

Automobile Insurance Quotes in Dresher, PA

Reducing your insurance rates doesn't have to be difficult. Consumers just need to take a couple of minutes to compare quotes from different insurance companies. This can be accomplished in several different ways.

The fastest way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This form prevents you from having to do repetitive form submissions to each individual car insurance company. A single form gets rate comparisons from multiple companies. This is by far the quickest method.
A slightly less efficient method to shop for car insurance online is spending the time to visit the website for each individual company to complete their respective quote request forms. For example, we'll pretend you want to compare , and . To find out each rate you need to visit each site and enter your policy data, which is why most consumers use the first method.

For a list of links to companies insuring cars in Dresher, click here.
The hardest method to get comparison rates is to spend time driving to insurance agents' offices. Buying insurance online eliminates the need for an insurance agent unless you prefer the personal advice only provided by licensed Dresher agents. Drivers can find lower rates online but buy from a local insurance agent and you'll learn how to do that later.

It's up to you how you get prices quotes, just make absolute certain that you use apples-to-apples information on every quote you get. If you compare higher or lower deductibles it will be impossible to determine which rate is truly the best in Dresher.

Policy discounts you shouldn't miss

Companies offering auto insurance don't necessarily list every available discount very well, so we took the time to find both the well known and the more hidden ways to save on car insurance. If you don't get every credit you qualify for, you are paying more than you should be.

Braking Control Discount - Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
Multi-policy Discount - If you insure your home and vehicles with one company you may earn approximately 10% to 15%.
Resident Student - Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
Accident Forgiveness - Some insurance companies permit an accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
Good Student - This discount can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
Organization Discounts - Being a member of a professional or civic organization could trigger savings on your policy.
Driver's Ed - Cut your cost by having your teen driver take driver's ed class if it's offered in school.
Low Mileage - Fewer annual miles can earn better rates on cars that stay parked.
Payment Method - If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.

Consumers should know that most discount credits are not given to your bottom line cost. Most cut the cost of specific coverages such as comprehensive or collision. So when the math indicates all those discounts means the company will pay you, companies don't profit that way.

To choose providers who offer car insurance discounts in Pennsylvania, click this link.

Save $429 a year? Really?

Consumers in Pennsylvania can't ignore all the ads for cheaper car insurance by Allstate and Progressive. All the ads make the same claim that you'll save big after switching to their company.

But how can every company claim to save you money?

All the different companies have a certain "appetite" for the driver that makes them money. For example, a preferred risk might be between 30 and 50, owns a home, and has excellent credit. Any driver who matches those parameters gets the lowest rates and is almost guaranteed to save a lot of money.

Drivers who don't qualify for this ideal profile will be charged a higher premium which leads to the customer not buying. The ads say "people who switch" but not "drivers who get quotes" save that much. That is how companies can make those claims. That is why you need to get a wide range of price quotes. You cannot predict which company will have the lowest rates.

Insurance agents can help

When buying the right insurance coverage for your vehicles, there really is no perfect coverage plan. Everyone's needs are different.

For example, these questions might point out whether your personal situation might need professional guidance.

Can I get a multi-policy discount for packaging my home and auto coverage?
What is the difference between comprehensive and collision coverage?
Why does it cost so much to insure a teen driver in Dresher?
I have good health insurance, so how much medical payments coverage do I need?
What are the best liability limits?
Why am I required to buy high-risk coverage?
Are rental cars covered under my policy?

If it's difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don't have a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.

More detailed Pennsylvania car insurance information can be found at the Pennsylvania Insurance Department website. Visitors are able to find out industry alerts, view agent and company licensing information, and read enforcement actions against agents and companies.

Other informative sites include BankRate.com's Car Insurance: When not to Skimp and this directory of Dresher insurance agents.

And the best car insurance company is...

While you're price shopping online, do not reduce coverage to reduce premium. Too many times, an insured cut physical damage coverage only to regret at claim time they didn't purchase enough coverage. The aim is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

Discount car insurance can be purchased both online and also from your neighborhood Dresher agents, so compare prices from both to have the best selection. Some companies may not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.

We just presented some good ideas how to compare car insurance prices online. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the best prices are with an unexpected company.