Tightwads Instructions on Saving on East Pittsburgh Car Insurance

No one likes paying for car insurance, especially when their premiums are through the roof.

Lots of contend for your insurance dollar, and it can be difficult to compare rates and uncover the absolute lowest rate

It's important to compare prices periodically since rates are constantly changing. Just because you had the lowest rates a year ago you will most likely find a better rate today. Starting now, forget anything you know (or think you know) about car insurance because we're going to show you the tricks you need to know to find lower rates on car insurance.

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using this strategy. Finding the best rates in East Pittsburgh is easy if you know what you're doing. But Pennsylvania car owners do need to know the way insurance companies sell insurance online and use this information to your advantage.

Are you getting all your discounts?

Companies don't always publicize all their discounts in an easy-to-find place, so we break down some of the more common as well as the least known car insurance savings.

  • New Car Discount - Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
  • Early Signing - Some insurance companies reward drivers for switching to them prior to your current policy expiring. This can save 10% or more.
  • Passive Restraint Discount - Factory air bags or motorized seat belts can get savings of more than 20%.
  • Defensive Driver - Successfully completing a driver safety course can save you 5% or more if you qualify.
  • Theft Prevention Discount - Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
  • Homeowners Savings - Owning a house in East Pittsburgh may trigger a car insurance policy discount because owning a home is proof that your finances are in order.
  • Student Driver Training - Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
  • Drive Less and Save - Driving fewer miles can earn lower rates on the low mileage vehicles.
  • Payment Discounts - If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.

Consumers should know that most of the big mark downs will not be given to the entire policy premium. Most only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like adding up those discounts means a free policy, companies don't profit that way.

East Pittsburgh car insurance comparison

Tailor your coverage to you

When it comes to buying adequate coverage for your vehicles, there is no "perfect" insurance plan. Everyone's needs are different so your insurance needs to address that. For instance, these questions may help highlight whether you would benefit from professional advice.

  • Should I file a claim if it's only slightly more than my deductible?
  • Does my car insurance cover rental cars?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I really need UM/UIM coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Does my policy cover my teen driver if they drive my company car?

If you don't know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

How can Progressive, GEICO, Allstate and State Farm save drivers who switch?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm constantly bombard you with ads on television and other media. They all seem to say the same thing that you'll save big if you switch to their company. How do they all make the same claim?

Insurance companies have a certain "appetite" for the driver that earns them a profit. For example, a desirable insured could be a mature driver, a clean driving record, and has excellent credit. Any new insured who fits that profile is entitled to the best price and as a result will probably cut their rates substantially.

Drivers who are not a match for the "perfect" profile will have to pay higher premiums which usually ends up with business going elsewhere. Company advertisements say "customers that switch" not "everybody who quotes" save that much. That is how companies can make those claims. Because of the profiling, you should compare many company's rates. It's just too difficult to predict which company will have the lowest rates.

Additional Pennsylvania consumer information

More detailed Pennsylvania car insurance information can be found at the Pennsylvania Insurance Department website. Consumers can read enforcement actions against agents and companies, learn about specific coverages, file complaints about a company, and discover disciplinary actions.

Pennsylvania car insurance

Affordable insurance is out there

While you're price shopping online, you should never buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped uninsured motorist or liability limits only to regret they didn't purchase enough coverage. Your aim should be to buy enough coverage at a price you can afford.

You just learned many ways to reduce car insurance prices online. The key thing to remember is the more times you quote, the better your chances of lowering your rates. Consumers may even find the best price on car insurance is with a small local company. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as .

Discount car insurance is available from both online companies and also from your neighborhood East Pittsburgh agents, and you need to price shop both to have the best chance of lowering rates. Some companies may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.