7 Discounts Drexel Hill Drivers Forget when Buying Car Insurance

No one in their right mind looks forward to paying for car insurance, particularly when they are paying too much. Big companies like GEICO and Progressive continually hit you with TV and radio ads and it is difficult to sift through the bull and find the best price available.

It's important to do rate comparisons occasionally since rates are constantly changing. If you had the lowest price six months ago you can probably find a lower rate today. You'll find quite a bit of inaccurate information about car insurance online, so I'm going to show you some great ways to find affordable car insurance.

If you are insured now or need new coverage, you can follow these tips to get lower rates while maintaining coverages. Choosing the best insurance company for you in Drexel Hill is not that difficult. Pennsylvania consumers only need to know the proper methods to shop their coverage around online.

Pennsylvania car insurance quotes

Finding Car Insurance in Drexel Hill, PA

Most companies provide pricing directly from their websites. Getting quotes is pretty easy as you just type in your coverage preferences into the quote form. When the form is submitted, the system will obtain reports for credit and driving violations and returns a price. Online quotes makes comparing rates easy, but having to visit different websites and fill out multiple forms gets old quite quickly. Unfortunately, it is important to do this if you want to find a lower rate.

Quote rates the easy way

A quicker way to get multiple rate quotes is to use a quote form that obtains quotes from a bunch of companies at once. It's a real time-saver, helps eliminate reptitive entry, and makes online price comparison a little more enjoyable. Once the form is submitted, it gets priced and you are able to buy your choice of the quotes returned.

If a lower price is quoted, it's easy to complete the application and purchase coverage. The whole process can be completed in a matter of minutes and you will find out if you're overpaying now.

To find out how much you're overpaying now, click here and submit the form. If you have coverage now, it's recommended that you enter your coverages as close as possible to your current policy. This ensures you're receiving an apples-to-apples comparison for similar insurance coverage.

More discounts equal less premium

The price of auto insurance can be rather high, but you may find discounts to help offset the cost. A few discounts will automatically apply when you get a quote, but a few must be requested specifically before you will receive the discount. If you aren't receiving every discount you qualify for, you're paying more than you need to.

  • Bundle and Save - When you combine your home and auto insurance with the same insurance company you may earn 10% to 20% off each policy.
  • Anti-theft System - Vehicles with anti-theft systems help deter theft and will save you 10% or more.
  • Drivers Ed for Students - Have your child complete a driver education course in high school.
  • Federal Employees - Being employed by or retired from a federal job can earn a discount up to 10% with select insurance companies.
  • Anti-lock Brakes - Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
  • More Vehicles More Savings - Having multiple cars or trucks on the same car insurance policy may reduce the rate for each vehicle.
  • Life Insurance Discount - Companies who offer life insurance give better rates if you take out life insurance from them.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Some only reduce individual premiums such as collision or personal injury protection. So despite the fact that it appears you could get a free car insurance policy, you won't be that lucky. Any amount of discount will reduce your premiums.

To see a list of companies with the best car insurance discounts in Drexel Hill, click here.

It's not one size fits all

When choosing the best car insurance coverage for your vehicles, there really is not a "best" method to buy coverage. Everyone's situation is a little different and your policy should reflect that. Here are some questions about coverages that might point out if you might need professional guidance.

  • What is the difference between comprehensive and collision coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my cargo covered for damage or theft?
  • Do I have coverage for damage caused while driving under the influence?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when driving on a suspended license?
  • When does my teenage driver need to be added to my policy?

If you can't answer these questions but a few of them apply, then you may want to think about talking to an agent. If you don't have a local agent, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Additional information is located on the website for the Pennsylvania Insurance Department located here. Visitors are able to view agent and company licensing information, read consumer alerts, download brochures, and find out industry alerts.