Export Car Insurance For Less Than You're Paying Now

Finding lower premiums on Export car insurance is a challenge for consumers not familiar with buying insurance online. You have so many choices that it can be more work than you anticipated to locate the lowest price in Export.

Learn How to Buy Car Insurance Cheaper

Consumers need to have an understanding of some of the elements that go into determining your car insurance rates. Knowing what impacts premium levels helps enable you to make changes that could result in big savings.

Listed below are a few of the "ingredients" that factor into premiums.

Liability coverage protects you - Liability insurance will protect you if you are found to be at fault for damages caused by your negligence. It will provide for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.
Safer cars cost less to insure - Vehicles with good safety scores are cheaper to insure. Safe vehicles have better occupant injury protection and fewer injuries translates into fewer and smaller insurance claims and thus lower rates.
Tickets mean higher rates - Whether or not you get tickets has a lot to do with how much you pay for insurance. Drivers with clean records tend to pay less for car insurance than bad drivers. Just one moving violation may increase your cost by twenty percent. Drivers with serious tickets like hit and run, DWI or reckless driving convictions are required to file a SR-22 with their state motor vehicle department in order to continue driving.
With age comes lower rates - Young drivers in Pennsylvania are statistically proven to get distracted easily in a vehicle so they pay higher car insurance rates. Mature drivers are more responsible, file fewer claims and receive fewer citations.
Consolidate policies to earn discounts - Most companies will award you with lower prices to policyholders who carry more than one policy in the form of a multi-policy discount. Even if you're getting this discount it's in your best interest to comparison shop to confirm you are receiving the best rates possible. You may still be able to find better rates by insuring with multiple companies.
Special features that cut premiums - Driving a car with anti-theft technology or alarm system can get you a discount on your car insurance. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
Marriage pays dividends - Having a spouse can actually save you money when buying car insurance. Having a spouse usually means you are more responsible it has been statistically shown that drivers who are married are more cautious.

Take advantage of discounts

Insurance can cost an arm and a leg, buy you may qualify for discounts that you may not even be aware of. Certain discounts will be applied when you quote, but a few need to be manually applied prior to getting the savings.

Organization Discounts - Belonging to a qualifying organization could qualify you for a break when buying car insurance.
Military Discounts - Having a deployed family member could mean lower rates.
Good Students Pay Less - This discount can be rewarded with saving of up to 25%. This discount can apply until age 25.
Student in College - Children who attend school more than 100 miles from home and do not have a car may qualify for this discount.
Theft Prevention System - Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
Payment Discounts - If you pay your bill all at once instead of making monthly payments you could save 5% or more.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like all those discounts means the company will pay you, car insurance companies aren't that generous. Any amount of discount will bring down your overall premium however.

To choose insurers offering car insurance discounts in Pennsylvania, follow this link.

Are car insurance companies telling the truth?

Allstate, GEICO and Progressive constantly bombard you with ads on TV and radio. All the companies say the same thing about savings if you switch your policy. How does each company make the same claim? This is how they do it.

All the different companies can use profiling for the right customer that makes them money. For example, a profitable customer could be between the ages of 30 and 50, has no tickets, and drives less than 7,500 miles a year. Any new insured who fits that profile is entitled to the best price and most likely will save when switching.

Potential customers who don't qualify for these standards must pay a higher premium which usually ends up with business going elsewhere. Company advertisements say "drivers who switch" not "people who quote" save that kind of money. That's why companies can truthfully advertise the way they do.

This illustrates why you should get a wide range of price quotes. It's just too difficult to predict the company that will provide you with the cheapest rates.

More Pennsylvania car insurance information

Additional information can be found on the Pennsylvania Insurance Department website. Click here for link. Consumers can find out which companies have the most complaints, find disaster information, and file complaints about a company.

Final considerations

Cheap car insurance is available from both online companies in addition to many Export insurance agents, and you should compare price quotes from both to have the best rate selection. Some car insurance companies do not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

Consumers switch companies for any number of reasons including questionable increases in premium, unfair underwriting practices, poor customer service or even not issuing a premium refund. No matter why you want to switch, switching car insurance companies is easier than you think.

You just learned many ways to save on car insurance. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. Consumers may even find the lowest rates come from a smaller regional carrier.