Tightwads Guide to Saving on East Greenville Auto Insurance

Nobody enjoys paying for auto insurance, in particular when their premiums are too high.

Having so many insurance companies to choose from, it is hard for the average consumer to find the cheapest provider.

It's important to check auto insurance prices occasionally because prices are constantly changing. Just because you found the lowest price six months ago you can probably find a better price now. Block out anything you think you know about auto insurance because you're about to learn how to use online quotes to eliminate unnecessary coverages and save money.

What determines how much you pay?

Consumers need to have an understanding of the different types of things that help determine the price you pay for auto insurance. When you know what positively or negatively influences your rates allows you to make educated decisions that may reward you with big savings.

The following are a partial list of the pieces companies use to determine rates.

  • With age comes lower rates - Teen drivers in Pennsylvania are known to be more careless behind the wheel so auto insurance rates are higher. Adding a teen driver to your policy can be quite pricey. Older drivers are viewed as being more responsible, file fewer claims and are safer drivers.
  • Do you qualify for a multi-policy discount? - Many insurers will give a discount to customers who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, it's still a good idea to comparison shop to make sure you are getting the best deal.
  • Women pay lower rates - Statistics show women tend to be less risk to insure than men. However, this does not mean women are better drivers. They both have accidents in similar numbers, but the males have costlier accidents. They also receive more costly citations such as DWI and reckless driving. Young males are the most expensive to insure and are penalized with high auto insurance rates.
  • Careful drivers pay lower rates - Just one citation can increase rates by twenty percent. Good drivers get better rates compared to drivers with tickets. Drivers who have flagrant citations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.

East Greenville auto insurance comparison

How much can you save with discounts?

The cost of insuring your cars can be expensive, but there are discounts available that you may not know about. Some trigger automatically at the time of quoting, but less common discounts must be requested specifically before you will receive the discount.

  • College Student - Kids in college who are attending college and do not have access to a covered vehicle can receive lower rates.
  • Theft Prevention System - Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Accident Forgiveness - Some insurance companies allow you one accident before hitting you with a surcharge as long as you don't have any claims for a particular time prior to the accident.
  • Good Student - This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Homeowners Savings - Owning a house in East Greenville can help you save on auto insurance due to the fact that maintaining a home shows financial diligence.

It's important to note that most discounts do not apply to your bottom line cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, you're out of luck. But any discount will help reduce the amount you have to pay.

To choose companies who offer auto insurance discounts in Pennsylvania, click here to view.

Save 15 percent in 15 minutes? Is it for real?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream television and radio advertisements. They all seem to make an identical promise that you can save after switching to them. But how can every company make almost identical claims? It's all in the numbers.

All the different companies have a certain "appetite" for the type of driver that makes them money. For instance, a desirable insured could possibly be between 25 and 40, owns a home, and has a high credit rating. A customer getting a price quote who meets those qualifications gets the lowest rates and is almost guaranteed to save a lot of money.

Potential insureds who don't meet this ideal profile will have to pay more money and ends up with the driver buying from a lower-cost company. Company advertisements say "customers who switch" but not "drivers who get quotes" save money. That is how insurance companies can state the savings.

Because of the profiling, you should get quotes from several different companies. It's impossible to know which company will have the lowest rates.

How much car insurance do I need?

When buying the best auto insurance coverage for your vehicles, there really is no cookie cutter policy. Every situation is different so your insurance should reflect that For example, these questions might point out if your insurance needs would benefit from an agent's advice.

  • What are Pennsylvania no-fault laws?
  • Do I need special endorsements for business use of my vehicle?
  • Does my policy cover me when driving someone else's vehicle?
  • Why am I required to buy high-risk coverage?
  • When do I need to add a new car to my policy?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my dog or cat covered if injured in an accident?

If you're not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

For more Pennsylvania car insurance information

More information is located on the website for the Pennsylvania Insurance Department found here. Pennsylvania consumers can read enforcement actions against agents and companies, read consumer alerts, learn about insurance regulations, and file complaints about a company.

Other informative sites include Auto Insurance 101 and this page of insurance agents in East Greenville.

East Greenville auto insurance quote

Do the work, save more money

As you restructure your insurance plan, don't be tempted to buy poor coverage just to save money. There are many occasions where an insured cut liability coverage limits only to discover later that they should have had better coverage. Your aim should be to buy the best coverage you can find at the best price.

Lower-priced auto insurance can be sourced online and with local East Greenville insurance agents, so you should compare both to have the best chance of lowering rates. Some insurance companies do not offer online price quotes and most of the time these small, regional companies sell through independent agents.

You just read many tips how you can save on auto insurance. The most important thing to understand is the more times you quote, the better chance you'll have of finding lower rates. Consumers could even find that the most savings is with some of the smallest insurance companies. Some small companies often have lower prices on specific markets compared to the large companies like .