How to Know You're Throwing Money Away for Auto Insurance in Etters

Are you tired of robbing Peter to pay Paul each month for car insurance? You're in the same situation as most other car owners in Pennsylvania. With consumers having so many companies and agents to choose from, it is hard for the average consumer to locate the lowest price insurance company.

It's important to take a look at other company's rates before your policy renews because prices are constantly changing. Even if you think you had the best deal last year you will most likely find a better rate today. Starting right now, forget all the misinformation about auto insurance because you're going to get a crash course in the only way to reduce your cost while increasing coverage.

More discounts equal less premium

Companies don't necessarily list every available discount very well, so here is a list both well-publicized and the harder-to-find auto insurance savings. If you don't get every credit available, you are throwing money away.

  • Multi-policy Discount - If you have multiple policies with the same insurance company you will save approximately 10% to 15%.
  • No Accidents - Claim-free drivers can earn big discounts compared to drivers who are more careless.
  • Safety Course Discount - Taking part in a course in driver safety could save 5% or more if you qualify.
  • Theft Prevention System - Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Multiple Cars - Having all your vehicles on one policy qualifies for this discount.

It's important to note that most credits do not apply to the entire cost. Most only reduce the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears having all the discounts means you get insurance for free, you're out of luck.

Etters auto insurance quote

Switch companies and save? Really?

Pennsylvania consumers get pounded daily by advertisements for the lowest price auto insurance by Allstate and Progressive. All the ads say the same thing that you can save if you change to their company.

But how can every company make almost identical claims? This is how they do it.

All the different companies can use profiling for the driver that earns them a profit. An example of a preferred risk could possibly be between the ages of 30 and 50, is a homeowner, and drives newer vehicles. A customer getting a price quote who fits that profile will get the preferred rates and therefore will save a lot of money.

Potential insureds who do not match this ideal profile will be charged more money which usually ends up with the driver buying from a lower-cost company. The ads state "drivers who switch" not "everyone that quotes" save that much. That's why insurance companies can claim big savings. That is why you should compare many company's rates. It's impossible to know the company that will give you the biggest savings.

Learn more today

Additional detailed information is available at the Pennsylvania Insurance Department website. Pennsylvania consumers can read consumer alerts, read industry bulletins, discover disciplinary actions, and report car insurance fraud.

Also read more on Wikipedia and this Etters agent directory.

And the best car insurance company is...

When trying to cut insurance costs, do not buy lower coverage limits just to save a few bucks. Too many times, an accident victim reduced comprehensive coverage or liability limits to discover at claim time that it was a big mistake. The aim is to get the best coverage possible for the lowest price, not the least amount of coverage.

Lower-priced auto insurance is attainable online and also from your neighborhood Etters agents, and you should compare price quotes from both to have the best chance of lowering rates. A few companies may not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.