Proven Techniques to Save on East Petersburg Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Trust us, there are lots of people in the same boat. You have so many to buy insurance from, and although it's nice to be able to choose, lots of choices makes it harder to compare rates.

Tips to Get Lower East Petersburg Rates

Consumers need to have an understanding of the factors that come into play when calculating auto insurance rates. Knowing what impacts premium levels empowers consumers to make smart changes that will entitle you to big savings.

The list below includes a few of the "ingredients" used by your company to calculate prices.

Rates may be higher depending on your occupation - Careers like lawyers, social workers and financial analysts have higher average rates because of high stress levels and lots of time spent at work. Conversely, occupations like actors, engineers and the unemployed get better rates.
Safer occupants lowers premiums - Vehicles with good safety scores get lower rates. The safest vehicles protect occupants better and better occupant protection means lower claim amounts and thus lower rates.
Men fork out a little more - Statistics demonstrate that women are safer drivers than men. However, don't assume that women are BETTER drivers than men. They both have accidents in similar percentages, but the men cause more damage and cost insurance companies more money. Men also statistically get more serious tickets like reckless driving and DUI.
Do you need those extra coverages? - There are a lot of extra coverages that can waste your money if you aren't careful. Coverages for vanishing deductibles, accident forgiveness and additional equipment coverage are some examples. These may sound like a good investment when you first buy your policy, but now you might not need them so eliminate them to save money.
Traffic citations inflate rates - A bad driving record has a lot to do with how much you pay for insurance. Even one moving violation can bump up the cost twenty percent or more. Drivers who don't get tickets have lower premiums than people who have multiple driving citations. If you have severe violations like DUI or reckless driving may find they need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to drive a vehicle legally.
Having a spouse can save you money - Having a spouse actually saves money on auto insurance. Having a significant other translates into being more responsible and it's proven that being married results in fewer claims.
Liability coverage is cheap - The liability section of your policy provides coverage when a jury decides you are liable for personal injury or accident damage. It provides for a legal defense which can cost thousands of dollars. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not skimp.

Quick East Petersburg Auto Insurance Quotes

There are several ways to compare auto insurance prices and some are easier and takes less work. You can spend your afternoon talking to insurance companies in East Petersburg, or you could save time and use online quotes to quickly compare rates.

Most of the larger companies are enrolled in a marketplace that allows shoppers to submit one quote, and each company returns a competitive quote determined by their information. This prevents consumers from doing quote forms for each company you want a rate for.

To submit your quote information now, click here to open in new window.

The one downside to comparing rates this way is you cannot specify which providers to get quotes from. So if you want to select specific insurance companies to compare rates, we put together a list of auto insurance companies in Pennsylvania. View list of Pennsylvania insurance companies.

Whichever method you choose, compare identical coverages on every quote you get. If your comparisons have different limits and deductibles on each one it will be impossible to determine which rate is truly the best in East Petersburg.

How much can you save with discounts?

Properly insuring your vehicles can get expensive, buy you may qualify for discounts that can drop the cost substantially. Some trigger automatically when you quote, but a few need to be asked about prior to getting the savings. If you're not getting every credit possible, you are paying more than you should be.

Claim Free - Drivers with accident-free driving histories can save substantially when compared to accident-prone drivers.
Lower Rates for Military - Being deployed with a military unit can result in better rates.
Federal Government Employee - Employees or retirees of the government may qualify you for a discount with a few auto insurance companies.
Senior Discount - If you're over the age of 55, you can possibly qualify for a small decrease in premiums.
Drivers Education - Cut your cost by having your teen driver successfully complete driver's ed class in high school.
Defensive Driving Course - Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.

A little note about advertised discounts, some credits don't apply the the whole policy. A few only apply to individual premiums such as comp or med pay. So even though it sounds like all those discounts means the company will pay you, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.

To choose insurance companies with the best auto insurance discounts in Pennsylvania, click here.

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

Pennsylvania drivers can't ignore all the ads that promise big savings from the likes of Progressive, Allstate and GEICO. They all have a common claim about savings if you move your coverage to them.

How does each company say the same thing?

All the different companies are able to cherry pick for the type of customer that makes them money. For example, a driver they prefer might be profiled as between 25 and 40, has no tickets, and drives less than 10,000 miles a year. A propective insured that hits that "sweet spot" receives the best rates and is almost guaranteed to save when switching.

Potential customers who don't meet these standards will be quoted a higher premium and this can result in business not being written. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much money. That's the way companies can truthfully advertise the way they do.

This emphasizes why you need to get quotes from several different companies. It's not possible to predict which auto insurance company will provide you with the cheapest rates.

Additional information can be found on the website for the Pennsylvania Insurance Department located here. Pennsylvania drivers can read industry bulletins, find disaster information, learn about insurance regulations, and discover disciplinary actions.

In the end, you save

Cheaper auto insurance is definitely available on the web as well as from independent agents in East Petersburg, so you should compare both to have the best rate selection. Some auto insurance companies don't offer online price quotes and these regional insurance providers work with independent agents.

As you go through the steps to switch your coverage, it's very important that you do not reduce coverage to reduce premium. There are too many instances where an insured dropped physical damage coverage only to regret at claim time that the savings was not a smart move. Your strategy should be to buy enough coverage at a price you can afford while still protecting your assets.