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

Have you had enough of robbing Peter to pay Paul each month for car insurance? You are no different than the majority of other car owners in Pennsylvania.

Numerous battle to insure your vehicles, so it's not easy to compare every to get the lowest price

It's important to price shop coverage once or twice a year since insurance rates are constantly changing. Even if you think you had the lowest price a few years ago a different company probably has better rates today. There is a lot of bad information regarding auto insurance on the internet, so we're going to give you some great ways to find cheap auto insurance.

If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these techniques. Choosing the best insurance company for you in Exeter is quite easy. Nevertheless, Pennsylvania vehicle owners do need to know how big insurance companies market insurance on the web because it can help you find the best coverage.

More discounts equal less premium

Companies don't always list every available discount in an easy-to-find place, so we researched some of the best known and also the lesser-known auto insurance savings.

  • Theft Prevention Discount - Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
  • Student Driver Training - Make teen driver coverage more affordable by requiring them to take driver's ed class if offered at their school.
  • Low Mileage - Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
  • Clubs and Organizations - Affiliation with certain professional organizations could qualify you for a break on your policy.
  • Employee of Federal Government - Active or retired federal employment could cut as much as 10% off with certain companies.
  • Multiple Cars - Having all your vehicles on one policy can get a discount on all vehicles.
  • Discount for Life Insurance - Larger companies have lower rates if you buy life insurance.

It's important to understand that most of the big mark downs will not be given to the entire cost. Most only reduce specific coverage prices like comprehensive or collision. So when the math indicates all the discounts add up to a free policy, it doesn't quite work that way.

Exeter auto insurance quote

Learn How to Buy Auto Insurance Cheaper

Smart consumers have a good feel for some of the elements that play a part in calculating auto insurance rates. Understanding what determines base rates helps enable you to make changes that can help you get much lower annual insurance costs.

  • Discounts for multiple policies - Some companies give discounts to people who buy several policies from them. It's known as a multi-policy discount. Discounts can amount to anywhere from five to ten percent in most cases. If you currently are using one company, it's still a good idea to compare other company rates to confirm you are receiving the best rates possible. Drivers may still find better rates by buying auto insurance from a different company.
  • Lower rates with optional equipment - Driving a car with a theft deterrent system can save you a little every year. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
  • Drive a safer car and pay less - Vehicles with high crash test scores are cheaper to insure. Safer cars have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims and lower rates for you.
  • Protect yourself with liability coverage - Your policy's liability coverage will protect you in the event that a jury decides you are liable for damages caused by your negligence. Liability insurance provides legal defense which can be incredibly expensive. Liability is cheap as compared to coverage for physical damage, so buy as much as you can afford.
  • Keep rates low by being claim-free - Insurance companies in Pennsylvania provide better rates to policyholders who do not rely on their insurance for small claims. If you frequently file small claims, you can pretty much guarantee either policy cancellation or increased premiums. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
  • Traffic citations inflate rates - Your driving record impacts your car insurance rates tremendously. Even a single citation may increase your cost by as much as thirty percent. Drivers with clean records get better rates than their less careful counterparts. Drivers who get dangerous violations like hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to prevent a license revocation.
  • Where do you drive? - The higher the mileage driven every year the higher your rates will be. The majority of insurers price each vehicle's coverage determined by how the vehicle is used. Vehicles used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. Double check that your auto insurance declarations sheet is showing the correct usage for each vehicle, because improper ratings can cost you money.

Switch companies and save? Really?

Companies like Allstate and Progressive consistently run ads in print and on television. All the ads say the same thing of big savings if you change your policy. How do they all say the same thing? It's all in the numbers.

Insurance companies can use profiling for the right customer that earns them a profit. For instance, a preferred risk might be profiled as between 30 and 50, has no tickets, and has a short commute. A propective insured who fits that profile will get the preferred rates and therefore will cut their rates substantially.

Drivers who do not match the "perfect" profile will be charged a higher premium which usually ends up with business not being written. The ads state "customers who switch" not "everyone that quotes" save that kind of money. That's why insurance companies can confidently make the claims of big savings. That is why drivers should get a wide range of price quotes. It's not possible to predict the company that will fit your personal profile best.

More Pennsylvania auto insurance information

More tips and info about auto insurance is located at the Pennsylvania Insurance Department website. Pennsylvania drivers can read consumer alerts, view a list of available companies, find disaster information, and find out which companies have the most complaints.

compare Exeter auto insurance rates

Do the work, save more money

As you shop your coverage around, never skimp on coverage in order to save money. Too many times, an insured dropped collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The aim is to get the best coverage possible at the best price, not the least amount of coverage.

Low-cost auto insurance is attainable on the web in addition to many Exeter insurance agents, so compare prices from both to have the best selection. Some insurance providers do not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.