Free Guide to Paying Less for Elizabeth Car Insurance Online

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me, you're not alone.

Since consumers have many insurance companies to choose from, it can be hard to locate the cheapest insurance company.

How much can you save with discounts?

Companies offering auto insurance don't list all available discounts very well, so we break down some of the more common and also the lesser-known savings tricks you should be using.

Fewer Miles Equal More Savings - Fewer annual miles can earn discounted rates on garaged vehicles.
No Charge for an Accident - Some insurance companies allow you one accident before your rates go up so long as you haven't had any claims prior to the accident.
Passive Restraints - Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts up to 30%.
Driver's Ed - Make teen driver coverage more affordable by requiring them to enroll in driver's education if it's offered in school.
Seat Belts Save - Using a seat belt and requiring all passengers to use a seat belt can save 10% or more off your PIP or medical payments premium.

It's important to note that most discounts do not apply the the whole policy. Some only reduce specific coverage prices like liability and collision coverage. So even though it sounds like you can get free auto insurance, you're out of luck.

Learn How to Buy Car Insurance Cheaper

Smart consumers have a good feel for the different types of things that help determine your car insurance rates. When you know what positively or negatively influences your rates helps enable you to make changes that could result in lower car insurance prices.

The following are a few of the "ingredients" that factor into premiums.

Safer cars are cheaper to insure - Cars with high safety ratings can get you lower premiums. Safe vehicles have better occupant injury protection and fewer injuries means lower claim amounts passed on to you as lower rates.
Do you need those extra coverages? - There are a ton of extra coverages that you can get tricked into buying on your policy. Things like vanishing deductibles, accidental death and membership fees may be costing you every month. These coverages may sound good initially, but your needs may have changed so remove them from your policy.
Women pay lower rates - Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. Women and men have accidents in similar percentages, but the male of the species have costlier accidents. Men also tend to receive more costly citations such as reckless driving. Young males are the most expensive to insure and therefore are the most expensive to insure.
Better credit scores mean better rates - A driver's credit history is a big factor in calculating your car insurance rates. If your credit rating is not that good, you could potentially save money when insuring your by improving your rating. Consumers who have good credit tend to be less risk to insure than those with lower credit scores.
Too many car insurance claims drive up costs - If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance companies in Pennsylvania award discounts to drivers who do not rely on their insurance for small claims. Auto insurance is meant to be used in the event of the large, substantial claims.
A lapse in coverage is a bad thing - Allowing your car insurance policy to lapse will be a fast way to trigger a rate increase. Not only will rates go up, but being ticketed for driving with no insurance will get you a revoked license or a big fine.You may then be required to submit proof of financial responsibility or a SR-22 with the Pennsylvania DMV.
Multiple policies with one company can save - Many insurers will award you with lower prices to policyholders who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, it's still a good idea to compare other company rates to confirm you are receiving the best rates possible. You may still find a better deal by splitting coverages up.

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

21st Century, Allstate and State Farm continually stream television and radio advertisements. All the companies make an identical promise that you can save after switching your policy. But how can every company make the same claim? It's all in the numbers.

All companies are able to cherry pick for the right customer that earns them a profit. For example, a profitable customer could be a mature driver, has no tickets, and drives newer vehicles. A customer who meets those qualifications will get very good rates and is almost guaranteed to save a lot of money.

Consumers who don't meet this ideal profile must pay higher rates and ends up with business going elsewhere. The ads say "customers who switch" but not "drivers who get quotes" save that kind of money. That's the way insurance companies can claim big savings. This illustrates why drivers should get as many quotes as possible. Because you never know which car insurance company will give you the biggest savings.

Additional detailed information can be found at the Pennsylvania Insurance Department website. Consumers can find disaster information, discover disciplinary actions, learn about insurance regulations, and find out industry alerts.

Also read more on this resource for Pennsylvania car insurance prices and this page of Elizabeth insurance agents.

Affordable insurance is out there

Lower-priced car insurance can be sourced from both online companies in addition to many Elizabeth insurance agents, and you need to price shop both to get a complete price analysis. A few companies do not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

When trying to cut insurance costs, do not skimp on coverage in order to save money. There are a lot of situations where an insured dropped uninsured motorist or liability limits only to regret that it was a big mistake. The proper strategy is to find the BEST coverage at the best price while not skimping on critical coverages.