Tightwads Guide to Saving on Frazer Auto Insurance

Paying for high-priced auto insurance can empty your bank account and put a big crunch on your finances. Comparison shopping is a smart way to slash your bill and have more diposable income. Having so many auto insurance companies to choose from, it can be challenging to choose the cheapest company.

It's important to get comparison quotes on a regular basis because prices are constantly changing. Just because you found the best rates a couple years back you may be paying too much now. There is a lot of wrong information about auto insurance online but I'm going to show you some great ways to slash your auto insurance rates.

Which Auto Insurance is Cheapest in Frazer, Pennsylvania?

Effectively comparing auto insurance prices can take hours if you don't know the most efficient way. You could spend your day talking about coverages with local insurance agents in Frazer, or you can stay home and use online quotes for quick rates.

All the larger companies participate in a marketplace that allows shoppers to only type in their quote data once, and each company then gives them pricing determined by their information. This eliminates the need for quote requests to each individual auto insurance company.

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

The one disadvantage to pricing coverage this way is you don't know exactly which companies to receive prices from. So if you want to choose specific providers to receive pricing from, we put together a list of the cheapest auto insurance companies in Pennsylvania. Click to view list.

Which method you use is up to you, but ensure you are comparing apples-to-apples quote information with every price quote. If your comparisons have mixed coverages you will not be able to find the best deal in Frazer.

Understand what determines the rate you pay

It's important that you understand some of the elements that help determine the price you pay for auto insurance. When you know what positively or negatively impacts premium levels helps enable you to make changes that may reward you with lower auto insurance prices.

Older drivers save more - Teen drivers in Pennsylvania are known to be more careless when driving so auto insurance rates are higher. If you've ever had to add a teenage driver onto your auto insurance can break the bank. More mature drivers are viewed as being more responsible, tend to file fewer claims and are safer drivers.
Marriage brings a discount - Getting married can get you a discount when buying auto insurance. It usually means you are more responsible it has been statistically shown that married drivers get in fewer accidents.
Women pay lower rates - Statistics have proven women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. Women and men have accidents at a similar rate, but the males have costlier accidents. They also get cited for more serious violations such as DWI and reckless driving. Youthful male drivers tend to get in the most accidents and thus pay the highest rates.
Careful drivers pay lower rates - Just one ticket may increase your cost by as much as thirty percent. Drivers with clean records tend to pay less for car insurance compared to drivers with tickets. Drivers who have flagrant citations such as hit and run, DWI or reckless driving convictions may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.
Liability coverage is cheap - Liability coverage is the protection if ever a court rules you are at fault for damages caused by your negligence. It provides you with a defense in court starting from day one. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.
An active claims history can cost you - Car insurance companies in Pennsylvania provide discounts to insureds who do not rely on their insurance for small claims. If you file claims often, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance is designed for the bigger claims that can't be paid out-of-pocket.

Be sure to get all your discounts

The cost of insuring your cars can be expensive, but companies offer discounts that you may not know about. Some discounts apply automatically at the time you complete a quote, but some may not be applied and must be asked about prior to getting the savings. If you don't get every credit you deserve, you're just leaving money on the table.

College Student - Children living away from home attending college and do not have access to a covered vehicle can receive lower rates.
Sign Online - Certain companies will discount your bill up to fifty bucks for buying your policy online.
Accident Waiver - Some insurance companies will allow you to have one accident without raising rates as long as you don't have any claims prior to the accident.
Good Student Discount - Getting good grades can get you a discount of up to 25%. The good student discount can last well after school through age 25.
Club Memberships - Participating in a professional or civic organization could qualify you for a break on auto insurance.
Government Employees - Simply working for the federal government can save as much as 8% with select insurance companies.

A little note about advertised discounts, most credits do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think it's possible to get free car insurance, you won't be that lucky. Any amount of discount will help reduce the amount you have to pay.

For a list of companies who offer auto insurance discounts in Pennsylvania, follow this link.

Additional information can be read on the website for the Pennsylvania Insurance Department. Click here for link. Pennsylvania consumers can read enforcement actions against agents and companies, get help finding coverage, learn about insurance regulations, and file complaints about a company.

Other useful links include this Car Insurance FAQ and this page of insurance agents in Frazer.

And the best car insurance company is...

As you go through the steps to switch your coverage, don't be tempted to reduce needed coverages to save money. There are many occasions where drivers have reduced full coverage and found out when filing a claim that the savings was not a smart move. Your aim should be to buy enough coverage for the lowest price.

Cheaper auto insurance can be sourced online in addition to many Frazer insurance agents, and you should be comparing both to have the best rate selection. Some auto insurance companies do not provide online quoting and most of the time these small insurance companies sell through independent agents.

You just read a lot of information how to lower your auto insurance rates. The most important thing to understand is the more times you quote, the higher the chance of saving money. You may even find the biggest savings come from a lesser-known regional company. Smaller companies may cover specific market segments cheaper compared to the large companies like .