Lower Online Du Bois Auto Insurance Prices With These Tricks

If you're new to shopping for auto insurance online, you can be overwhelmed by the sheer number of auto insurance companies competing for business in Du Bois.

It's important to compare prices periodically because prices are constantly changing. Even if you got the best deal last year the chances are good that you can find a lower rate today. Starting now, forget anything you know (or think you know) about auto insurance because you're going to get a crash course in the proper way to find lower rates on auto insurance.

If you have a current auto insurance policy or are shopping for new coverage, you can follow these tips to find better prices and possibly find even better coverage. Buying affordable protection in Du Bois is simple if you know the tricks. Pennsylvania drivers only need an understanding of the most effective way to get comparison rates over the internet.

Save big with these discounts

Insuring your vehicles can cost a lot, but you can get discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you complete an application, but some must be asked for before they will apply. If you aren't receiving every discount you qualify for, you're paying more than you need to.

Accident Forgiveness - A handful of insurance companies allow you one accident before raising your premiums as long as you don't have any claims prior to the accident.
Good Student - A discount for being a good student can get you a discount of up to 25%. The discount lasts well after school through age 25.
Discount for New Cars - Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
Payment Method - By paying your policy upfront instead of paying each month you may reduce your total bill.
Multiple Vehicles - Insuring multiple vehicles on the same auto insurance policy can get a discount on all vehicles.
College Student - Youth drivers who live away from home and do not have access to a covered vehicle may qualify for this discount.
Homeowners Savings - Owning a house in Du Bois can save you money due to the fact that maintaining a home requires personal responsibility.

It's important to understand that some credits don't apply to the entire policy premium. A few only apply to specific coverage prices like liability, collision or medical payments. So even though it sounds like you can get free auto insurance, it doesn't quite work that way. Any qualifying discounts will reduce your overall premium however.

To see a list of companies who offer auto insurance discounts in Du Bois, click here.

Du Bois Auto Insurance Comparisons

Finding cheaper auto insurance prices doesn't have to be difficult. You just have to take the time getting comparison quotes provided by online insurance companies. It is quite easy and can be accomplished using a couple different methods.

The best way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This type of form keeps you from doing separate quotation requests for every auto insurance company. Just one form gets rate comparisons from auto insurance companies with the best prices. It's the fastest way to compare.
A more difficult way to get quotes online is spending the time to visit each individual company website and complete a new quote form. For instance, we'll pretend you want to compare , and . To get rate quotes you would need to go to every website and enter your policy data, which is why the first method is quicker. To view a list of companies in Du Bois, click here.
The most time-consuming method to get comparison rates is driving to local Du Bois insurance agencies. Buying insurance online has reduced the need for local agents unless you want the professional guidance of a local Du Bois agent. It is possible to obtain prices from the web and still use a local agent. We'll cover that shortly.

Whichever method you choose, be sure to compare exactly the same information on every quote. If your comparisons have higher or lower deductibles then you won't be able to make a fair comparison in Du Bois.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know the factors that help determine the price you pay for auto insurance. Having a good understanding of what determines base rates enables informed choices that may reward you with lower auto insurance prices.

Do men or women drive better? - Statistics show women are more cautious behind the wheel. However, this does not mean men are worse drivers. Women and men tend to get into accidents at about the same rate, but the males have costlier accidents. They also get more serious tickets such as DWI and reckless driving. Male drivers age 16 to 19 are the most expensive to insure and therefore have the most expensive auto insurance rates.
Careful drivers pay lower rates - Just one speeding ticket can boost insurance rates twenty percent or more. Careful drivers get better rates compared to drivers with tickets. Drivers who have flagrant citations such as reckless driving, hit and run or driving under the influence may need to file a SR-22 with their state DMV in order to keep their license.
Where do you drive? - Driving more miles each year the more you will pay for auto insurance. Most insurance companies apply a rate determined by how the vehicle is used. Cars left parked in the garage can get a lower rate than those used for commuting. Make sure your auto insurance coverage is rated on the proper vehicle usage, because it can save money.
Car features impact rates - Owning a car with a theft deterrent system can help bring down rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent auto theft.

But I don't know anything about car insurance

When choosing proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Every situation is different.

These are some specific questions may help highlight if your situation would benefit from professional advice.

Does my policy cover me when driving someone else's vehicle?
Should I buy only the required Pennsylvania minimum liability coverage?
Who is covered when they drive my vehicle?
Do I have any recourse if my insurance company denies a claim?
Am I covered if I wreck a rental car?
Do I need to file an SR-22 for a DUI in Pennsylvania?

If you can't answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Auto insurance ads bend the truth

Pennsylvania consumers can't get away from ads for cheaper car insurance by State Farm, GEICO and Progressive. They all seem to have a common claim of big savings after switching to their company.

How can each company make almost identical claims? It's all in the numbers.

All companies have a certain "appetite" for the driver that is profitable for them. An example of a desirable insured could possibly be a mature driver, a clean driving record, and drives newer vehicles. A customer getting a price quote that hits that "sweet spot" receives the best rates and most likely will save when they switch companies.

Consumers who fall outside the requirements will have to pay higher rates and this can result in the driver buying from a lower-cost company. Company advertisements say "customers who switch" not "people who quote" save that much. That is how insurance companies can confidently claim big savings.

Because of the profiling, drivers must get as many quotes as possible. It's impossible to know which company will give you the biggest savings.

In the end, you save

Low-cost auto insurance can be purchased online and also from your neighborhood Du Bois agents, and you need to price shop both to get a complete price analysis. A few companies may not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

You just read a lot of ways to compare auto insurance prices online. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. You may be surprised to find that the best price on auto insurance is with some of the smallest insurance companies.

When trying to cut insurance costs, it's not a good idea to reduce coverage to reduce premium. In many cases, someone dropped liability limits or collision coverage only to find out that it was a big mistake. Your aim should be to buy enough coverage at the best price.

Additional auto insurance information is available on the Pennsylvania Insurance Department website found here. Pennsylvania consumers can learn about insurance regulations, file complaints about a company, and file complaints about an insurance agent or broker.