Consumer Tested Strategies to Save on Folsom Car Insurance

Nobody looks forward to paying for car insurance, especially when the cost is way too high. Insurance companies such as State Farm, Allstate, GEICO and Progressive constantly bombard you with ads and it can be hard to sift through the bull and find the best price available.

Vehicle Insurance Comparison

There are several ways to shop for car insurance, but some are more efficient than others. You could spend your day talking to agents in Folsom, or you could use the web to get rates in a matter of minutes.

All the larger companies enroll in a system that allows shoppers to submit their information once, and at least one company returns a rated price determined by their information. This eliminates the need for quote forms to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The one downside to getting quotes like this is you can't choose which companies you want pricing from. So if you prefer to choose individual companies for rate comparison, we have assembled a list of companies who write car insurance in Pennsylvania. Click to view list.

Whichever way you use, be sure to compare exactly the same quote information for each comparison quote. If your comparisons have mixed coverages then you won't be able to determine the lowest rate in Folsom.

Good Decisions Result in Lower Rates

It's important that you understand some of the elements that help determine your car insurance rates. Having a good understanding of what influences your rates enables informed choices that could result in better car insurance rates.

The following are a few of the "ingredients" car insurance companies consider when setting premiums.

What are your deductibles? - Your deductibles represent how much money you are required to spend before your car insurance pays a claim. Coverage for physical damage, also known as collision and other-than-collision, protects your car from damage. Some instances where coverage would apply are colliding with a building, damage caused by hail, and windstorm damage. The higher the amount you are required to pay out-of-pocket, the lower your rates will be.
How's your driving record? - Careful drivers get better rates compared to drivers with tickets. Just one speeding ticket can boost insurance rates twenty percent or more. Drivers with flagrant tickets like reckless driving, hit and run or driving under the influence are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
Marriage pays dividends - Having a spouse can get you a discount when buying car insurance. Having a spouse means you're more mature and statistics show married couples file fewer claims.
Safer occupants lowers premiums - Safer cars are cheaper to insure. Safe vehicles reduce injuries and fewer injuries means less money paid by your insurance company and more competitive rates for policyholders.

Be sure to get all your discounts

Insurance can cost an arm and a leg, but you can get discounts that you may not know about. Certain discounts will be applied when you purchase, but a few need to be asked for before being credited. If you aren't receiving every discount you qualify for, you're just leaving money on the table.

Homeowners Savings - Owning a home in Folsom may trigger a car insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
Good Student - Getting good grades can save 20 to 25%. This discount can apply well after school through age 25.
Service Members Pay Less - Having a deployed family member may qualify for rate reductions.
Paperless Signup - Some insurance companies will give a small break just for signing your application digitally online.
Student in College - Children who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.

It's important to note that most of the big mark downs will not be given to the entire policy premium. A few only apply to specific coverage prices like physical damage coverage or medical payments. So when it seems like you could get a free car insurance policy, you're out of luck. But any discount will reduce the amount you have to pay.

For a list of insurers who offer car insurance discounts in Folsom, follow this link.

How do I know if I need professional advice?

When it comes to choosing the right insurance coverage for your vehicles, there really is not a best way to insure your cars. Every situation is different so your insurance needs to address that. For example, these questions may help highlight whether or not you might need an agent's assistance.

When do I need to add a new car to my policy?
Do I need to file an SR-22 for a DUI in Pennsylvania?
Does my policy cover my teen driver if they drive my company car?
Do I have coverage when using my vehicle for my home business?
Does medical payments coverage apply to all occupants?
Does my policy cover me when driving someone else's vehicle?

If you don't know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It's fast, free and you can get the answers you need.

More information can be found on the website for the Pennsylvania Insurance Department found here. Consumers can report car insurance fraud, file complaints about a company, get help finding coverage, and find disaster information.

A tidy conclusion

Lower-priced car insurance can be sourced from both online companies and also from your neighborhood Folsom agents, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

We just showed you many ways to lower your car insurance rates. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding lower rates. You may even find the lowest rates come from some of the smallest insurance companies. Smaller companies often have lower prices on specific markets compared to the large companies like .