Best Way to Find Low-Cost Emigsville Auto Insurance

Finding lower rates for Emigsville auto insurance is challenging for beginners to shopping for insurance online. People have so many options that it can be a big hassle to find the best price in Emigsville.

It's important to compare prices once or twice a year since insurance rates are constantly changing. If you had the lowest rates six months ago the chances are good that you can find a lower rate today. So just forget all the misinformation about auto insurance because it's time to teach you the tricks you need to know to find lower rates on auto insurance.

The purpose of this post is to instruct you on how to get online quotes and some tricks to saving. If you are paying for car insurance now, you will be able to lower your premiums substantially using these techniques. Nevertheless, Pennsylvania vehicle owners do need to know how companies determine prices and use this information to your advantage.

Don't pay full price with these discounts

Insuring your vehicles can cost a lot, but discounts can save money and there are some available to help offset the cost. Some trigger automatically when you purchase, but lesser-known reductions have to be requested specifically before being credited.

  • Homeowners Pay Less - Owning a house in Emigsville can save you money because of the fact that having a home is proof that your finances are in order.
  • Driver's Ed - Have your child complete a driver education course in high school.
  • Lower Rates for Military - Being deployed with a military unit can result in better rates.
  • Passive Restraints - Factory air bags can receive discounts of up to 25% or more.
  • Claim Free - Claim-free drivers can save substantially as compared to bad drivers.
  • More Vehicles More Savings - Having multiple cars or trucks on the same auto insurance policy can get a discount on all vehicles.
  • One Accident Forgiven - Some insurance companies allow you one accident before raising your premiums as long as you don't have any claims for a particular time prior to the accident.
  • Theft Prevention System - Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.

Consumers should know that some of the credits will not apply to the entire cost. Most only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, companies don't profit that way. Any qualifying discounts will help reduce your premiums.

To see a list of companies with the best auto insurance discounts in Pennsylvania, click here.

How to Compare Auto Insurance Costs in Emigsville

There are multiple methods you can shop for auto insurance and some are more efficient than others. You can waste a lot of time talking to insurance companies in Emigsville, or you could use the internet for quick rates.

Many insurance companies belong to a marketplace that enables customers to submit one quote, and at least one company then gives them pricing for coverage. This prevents consumers from doing form submissions to each individual auto insurance company.

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

The only drawback to getting quotes like this is you cannot specify which carriers you want pricing from. So if you want to select specific insurance companies to compare rates, we have a listing of companies who write auto insurance in Pennsylvania. View list of Pennsylvania insurance companies.

However you get your quotes, double check that you are using apples-to-apples deductibles and coverage limits for each comparison quote. If you use different values for each quote you can't possibly determine the lowest rate in Emigsville. Slightly different coverage limits can result in a big premium difference. It's important to know that comparing a large number of companies gives you a better chance of getting better pricing.

How to Lower your Auto Insurance Rates

An important part of buying insurance is that you know the factors that come into play when calculating auto insurance rates. When you know what positively or negatively determines base rates empowers consumers to make smart changes that may reward you with big savings.

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

  • Being married is a good thing - Having a spouse actually saves money on auto insurance. It translates into being more mature and responsible and statistics show drivers who are married are more cautious.
  • High numbers of claims are not good - Car insurance companies in Pennsylvania generally give discounts to policyholders who do not file claims often. If you frequently file small claims, you can expect higher rates. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.
  • Safer cars cost less to insure - Vehicles with good safety scores get lower rates. These vehicles protect occupants better and better occupant protection translates into fewer and smaller insurance claims passed on to you as lower rates.
  • Do you know you're credit rating? - Credit rating is a big factor in your rate calculation. People with good credit tend to be more responsible as compared to drivers with lower credit scores. Therefore, if your credit can use some improvement, you could pay less to insure your by improving your rating.
  • Rates may be lower depending on your job - Jobs such as lawyers, social workers and stock brokers have the highest rates due to job stress and lots of time spent at work. On the other hand, jobs such as farmers, students and the unemployed get better rates.
  • Protect your assets with liability insurance - The liability section of your policy will protect you if ever a jury decides you are liable for personal injury or accident damage. Liability insurance provides for a legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.
  • Sex matters - The statistics show women tend to be less risk to insure than men. However, don't assume that women are BETTER drivers than men. They both cause accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also get more serious tickets like reckless driving and DUI.

The auto insurance bait and switch

Auto insurance companies such as State Farm, GEICO and Progressive regularly use ads in print and on television. They all seem to have a common claim of big savings if you move your coverage to them. But how can every company say the same thing? It's all in the numbers.

All the different companies can use profiling for the type of customer that is profitable for them. For example, a desirable insured might be profiled as between 25 and 40, has no tickets, and has a high credit rating. A propective insured that hits that "sweet spot" is entitled to the best price and therefore will save a lot of money.

Consumers who don't measure up to this ideal profile will have to pay higher prices and this can result in business not being written. Company advertisements say "customers who switch" not "everyone that quotes" save that much money. That's why insurance companies can confidently state the savings.

Because of the profiling, drivers must get quotes from several different companies. It's not possible to predict the company that will have the lowest rates.

Final considerations

Cost effective auto insurance is possible on the web as well as from independent agents in Emigsville, so you should compare both in order to have the best price selection to choose from. Some insurance companies don't offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

Drivers who switch companies do it for a variety of reasons including an unsatisfactory settlement offer, extreme rates for teen drivers, unfair underwriting practices or poor customer service. Regardless of your reason, finding a new auto insurance company is actually quite simple.

Throughout this article, we presented a lot of techniques to compare auto insurance prices online. The key concept to understand is the more rate comparisons you have, the better likelihood of reducing your rate. You may be surprised to find that the most savings is with a small mutual company.

compare Emigsville auto insurance rates

More Pennsylvania auto insurance information

Additional auto insurance information can be found on the Pennsylvania Insurance Department website found here. Pennsylvania drivers can get help finding coverage, download brochures, and find disaster information.

Additional helpful sites include this page for Pennsylvania auto insurance and this page for help finding agents in Emigsville, PA.