Free Guide to Saving Money on Elizabethville Car Insurance Online

Are you tired of robbing Peter to pay Paul each month for car insurance? Your situation is no different than many other Pennsylvania drivers.

Drivers have so many to pick from, and although it's nice to have a selection, too many choices makes it more difficult to compare rates.

It's important to compare prices before your policy renews because rates are constantly changing. Just because you found the best price a year ago the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about car insurance because we're going to demonstrate the quickest way to get good coverage at a lower rate.

Pricing affordable car insurance in Elizabethville is quite easy. Basically, every vehicle owner who is required by state law to have car insurance will most likely be able to save money. But Pennsylvania car owners do need to know how insurance companies sell online and apply this information to your search.

Take advantage of discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available that you may not know about. Some discounts apply automatically at the time of quoting, but less common discounts must be specifically requested before you will receive the discount.

New Car Discount - Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.
Claim Free - Claim-free drivers can save substantially as compared to bad drivers.
Multiple Cars - Insuring all your vehicles on the same car insurance policy may reduce the rate for each vehicle.
Bundle and Save - When you combine your home and auto insurance with the same company you will save at least 10% off all policies.
Good Students Pay Less - A discount for being a good student can earn a discount of 20% or more. This discount can apply up until you turn 25.
Memberships - Belonging to a qualifying organization may earn a discount on car insurance.
Drivers Education - Have your child complete a driver education course if offered at their school.
Sign Online - A few companies will give a small break for buying a policy and signing up over the internet.
Employee of Federal Government - Being employed by or retired from a federal job could cut as much as 10% off with select insurance companies.
Theft Prevention Discount - Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.

Drivers should understand that some of the credits will not apply to the entire cost. Most cut individual premiums such as collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, companies wouldn't make money that way. But all discounts will bring down your overall premium however.

To see a list of companies with discount car insurance rates in Pennsylvania, click here.

Compare Elizabethville Car Insurance Costs

There are several ways to compare quotes and find the best price. The best method to find competitive insurance rates is simply to get online rate quotes. This can be done in a couple of different ways.

The best way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This type of form saves time by eliminating repetitive form submissions for each company you want a rate for. In just a few minutes this one form gets you price quotes from multiple companies.
Another way to compare rate quotes requires a trip to the website for each individual company to complete a price quote. For example, let's say you want rates from , and . To get each rate you have to visit each site to input your insurance information, which is why the first method is more popular. To view a list of companies in Elizabethville, click here.

However you get your quotes, ensure you're using identical quote information with each company. If you compare mixed coverages it will be impossible to make an equal comparison in Elizabethville. Slightly different insurance coverages can result in a big premium difference. And when price shopping your coverage, comparing a large number of companies helps you find a better price.

How to Lower your Car Insurance Rates

An important part of buying insurance is that you know the factors that play a part in calculating your car insurance rates. Knowing what controls the rates you pay empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

Pleasure use saves money - The higher the mileage driven every year the more you will pay for car insurance. Almost all companies rate vehicles based on how the vehicle is used. Cars used primarily for pleasure use qualify for better rates than those used for commuting. Double check that your car insurance declarations sheet shows the correct usage for each vehicle.
Do you work long hours in a high stress job? - Jobs such as lawyers, social workers and financial analysts have higher average rates because of stressful work requirements and long work days. Conversely, professions such as farmers, engineers and retirees get better rates.
Bump up deductibles to save - Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. A few examples of covered claims are a windshield shattered by a rock, damage from fire, and windstorm damage. The deductibles are how much you are willing to pay out-of-pocket if you file a covered claim. The higher the amount you have to pay, the less your company will charge you for insurance.
Your location affects your rates - Being located in small towns and rural areas can be a good thing when it comes to car insurance. Urban drivers have much more traffic and longer commute times. Less people living in that area means a lower chance of having an accident.
How's your driving record? - Your driving citation history has a lot to do with how much you pay for insurance. Drivers who don't get tickets have lower premiums than their less careful counterparts. Even a single ticket can bump up the cost by twenty percent. Drivers who have dangerous citations like DUI or reckless driving may need to file a SR-22 with their state motor vehicle department in order to prevent a license revocation.
Don't sacrifice liability coverage - Your policy's liability coverage will protect you if ever you are found to be at fault for personal injury or accident damage. It will provide for a legal defense which can be incredibly expensive. This coverage is very inexpensive as compared to coverage for physical damage, so do not skimp.
Keep rates low by being claim-free - If you frequently file small claims, you can definitely plan on either policy cancellation or increased premiums. Car insurance companies in Pennsylvania generally give lower rates to people who do not file claims often. Your insurance policy is meant to be used in the event of major claims that would cause financial hardship.
Being married is a good thing - Having a spouse helps lower the price on car insurance. It translates into being more mature than a single person and it's proven that drivers who are married are more cautious.

Are car insurance companies telling the truth?

Car insurance companies such as GEICO, State Farm and Progressive consistently run ads on TV and radio. They all seem to have a common claim that you'll save big if you change your coverage to them. How does each company make the same claim?

Insurance companies can use profiling for the type of customer that is profitable for them. For example, a desirable insured could be over the age of 50, is a homeowner, and has excellent credit. A customer that hits that "sweet spot" gets the lowest rates and most likely will save when switching.

Potential insureds who don't qualify for these standards will have to pay more money and this can result in business going elsewhere. The ads say "customers that switch" not "people who quote" save that much money. That's why companies can make those claims.

Because of the profiling, drivers must compare as many rates as you can. Because you never know the company that will have the lowest rates.

Affordable insurance is out there

While you're price shopping online, make sure you don't reduce coverage to reduce premium. In many instances, an accident victim reduced physical damage coverage only to discover later they didn't purchase enough coverage. The ultimate goal is to purchase plenty of coverage at a price you can afford.

Budget-conscious car insurance can be sourced from both online companies as well as from independent agents in Elizabethville, and you should be comparing both to have the best chance of lowering rates. Some companies don't offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

Learn more today

Much more information about car insurance in Pennsylvania can be found on the website for the Pennsylvania Insurance Department located here. Consumers can file complaints about an insurance agent or broker, read industry bulletins, report car insurance fraud, and view agent and company licensing information.

Additional helpful sites include Auto Insurance 101 and this page where you can research Elizabethville insurance agents.