How to Get Low-Cost Fayetteville Auto Insurance

Buying affordable Fayetteville auto insurance online is impossible for consumers not familiar with online price comaprisons. With so many choices of online companies available, how can consumers even start to compare every company to locate the lowest rates?

How much can you save with discounts?

Companies that sell car insurance don't always advertise every discount very well, so we took the time to find both the well known and the harder-to-find discounts you could be receiving.

Payment Discounts - By paying your policy upfront instead of paying each month you can actually save on your bill.
Multiple Policy Discount - When you combine your home and auto insurance with one company you could get a discount of at least 10% off all policies.
Early Signing - Select companies give a discount for buying a policy before your current expiration date. This can save 10% or more.
Good Student Discount - A discount for being a good student can earn a discount of 20% or more. This discount can apply until age 25.
Accident Waiver - Some insurance companies will allow you to have one accident before raising your premiums if your claims history is clear for a set time period.
Multi-car Discount - Buying insurance for more than one vehicle on the same auto insurance policy qualifies for this discount.

A little note about advertised discounts, some credits don't apply to your bottom line cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, you won't be that lucky.

To see a list of insurance companies offering auto insurance discounts in Pennsylvania, click here.

How to Get Cheap Auto Insurance in Fayetteville, PA

Comparing auto insurance rates can be a lot of work if you aren't aware of the best way to get rate quotes. You can waste a lot of time talking to insurance agencies in Fayetteville, or you can stay home and use the web for quick rates.

Many insurance companies participate in an industry program that allows shoppers to enter their policy data once, and each company provides a quote for coverage. This prevents consumers from doing quote forms for each company you want a rate for. To submit your quote information now, click to open in new window.

The one downside to pricing coverage this way is buyers cannot specifically choose which carriers to get quotes from. If you wish to select from a list of companies to request quotes from, we put together a list of the cheapest auto insurance companies in Pennsylvania. Click here for list of insurance companies in Pennsylvania.

Whichever method you choose, make sure you use apples-to-apples coverages and limits with every price quote. If you use different deductibles it will be very difficult to find the best deal in Fayetteville. Slightly different coverages can make a big difference in price. And when comparing auto insurance rates, know that quoting more gives you a better chance of getting a lower rate.

What determines how much you pay?

An important part of buying insurance is that you know the factors that go into determining the rates you pay for auto insurance. When you know what positively or negatively impacts premium levels allows you to make educated decisions that will entitle you to much lower annual insurance costs.

Equipment add-ons that lower auto insurance rates - Purchasing a vehicle with anti-theft technology or alarm system can help lower your rates. Anti-theft features like GM's OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft.
Where you live can impact rates - Residing in small towns and rural areas can save you money when talking about auto insurance. Urban drivers have traffic congestion and much longer commute distances. Lower population means fewer accidents.
What type of vehicle do you drive? - The performance of the car you are buying insurance for makes a huge difference in determining your rates. The cheapest insurance rates are generally reserved for lower performance four cylinder passenger cars, but the final cost of insurance is determined by many other factors.
Cautious drivers pay less - Good drivers tend to pay less for car insurance than bad drivers. Even a single moving violation can increase rates by as much as thirty percent. If you have serious violations like DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
Are you male or female? - Statistics have proven women tend to be less risk to insure than men. That doesn't necessarily mean that women are better drivers. Both sexes have accidents in similar percentages, but the men cause more damage. Men also statistically get more serious tickets like DUI and reckless driving. Youthful male drivers tend to get in the most accidents and therefore have the most expensive auto insurance rates.

How much car insurance do I need?

When choosing the right insurance coverage for your personal vehicles, there really is no perfect coverage plan. Everyone's situation is unique.

For example, these questions can help discover if your insurance needs will benefit from professional help.

Are my tools covered if they get stolen from my vehicle?
What are the best liability limits?
Does my car insurance cover rental cars?
Do I need to file an SR-22 for a DUI in Pennsylvania?
Does my policy cover me when driving someone else's vehicle?
Why am I required to buy high-risk coverage?
Am I covered when driving on a suspended license?

If you can't answer these questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form.

Save 15 percent in 15 minutes? Is it for real?

Auto insurance providers like State Farm, Allstate and GEICO constantly bombard you with television and radio advertisements. They all have a common claim about savings if you switch to them. But how can every company claim to save you money? This is how they do it.

Insurance companies have a preferred profile for the type of driver that is profitable for them. For example, a driver they prefer might be between the ages of 40 and 55, has no prior claims, and chooses high deductibles. A customer getting a price quote that hits that "sweet spot" is entitled to the best price and is almost guaranteed to save a lot of money.

Potential customers who don't meet this ideal profile will be quoted a more expensive rate and this can result in the customer not buying. The ads state "drivers who switch" but not "drivers who get quotes" save money. This is how companies can truthfully state the savings. This emphasizes why drivers must get quotes from several different companies. It's impossible to know which insurance companies will give you the biggest savings.

The best insurance company isn't always the cheapest

Drivers switch companies for any number of reasons including unfair underwriting practices, policy non-renewal, high prices or poor customer service. It doesn't matter what your reason, switching auto insurance companies is actually quite simple.

When buying insurance coverage, don't be tempted to reduce coverage to reduce premium. There have been many situations where consumers will sacrifice physical damage coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to buy a smart amount of coverage for the lowest price while still protecting your assets.

We covered a lot of ways to compare auto insurance prices online. The key thing to remember is the more providers you compare, the better your comparison will be. Consumers could even find that the lowest priced auto insurance comes from a smaller regional carrier.

Learn more about auto insurance in Pennsylvania

Even more information can be found at the Pennsylvania Insurance Department website. Visitors are able to view a list of available companies, view agent and company licensing information, and learn about specific coverages.

Additional helpful sites include this page for auto insurance prices in Pennsylvania and this list of insurance agents in Fayetteville, PA.