Car Insurance in Fredericksburg Pennsylvania - 8 Discounts You Might be Unaware of

Expensive car insurance can take a big chunk out of your bank account and make it hard to pay other bills. Shopping your coverage around is a great way to slash your bill and have more diposable income.

Having so many companies to choose from, it's difficult to find the best provider.

compare Fredericksburg car insurance rates

How to Lower Your Car Insurance Cost in Fredericksburg, Pennsylvania

There are several ways to compare rate quotes from local Fredericksburg car insurance companies. One of the best ways to find the cheapest insurance rates involves getting comparison quotes online. This is very easy and can be done in a couple of different ways.

  1. The fastest way to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This type of form keeps you from doing boring form submissions for each company you want a rate for. One form submission compares rates from all major companies.
  2. A different way to compare rate quotes is going to the website of each company and fill out their own quote form. For example, let's say you want comparison quotes from , and . To get each rate you have to visit each site and enter your information, and that's why the first method is more popular. To view a list of companies in Fredericksburg, click here.

Whichever method you choose, ensure you are comparing apples-to-apples coverage limits and deductibles for each comparison quote. If you compare different liability limits you will not be able to determine the lowest rate in Fredericksburg. Slightly different limits may result in a large different in cost. Just remember that getting more free quotes provides better odds of finding the best rates.

Take advantage of discounts

Insuring your fleet can be pricey, but there could be available discounts that many people don't even know exist. Certain discounts will be applied when you purchase, but some may not be applied and must be requested specifically before being credited.

  • Payment Discounts - By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Accident Waiver - Some insurance companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear for a set time period.
  • Anti-lock Brakes - Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
  • Life Insurance Discount - Some companies give a break if you buy life insurance.
  • Low Mileage Discounts - Driving fewer miles could qualify for a substantially lower rate.
  • Organization Discounts - Belonging to a professional or civic organization may earn a discount when shopping for car insurance.
  • Government Employees - Employees or retirees of the government could cut as much as 10% off with a few car insurance companies.
  • Passive Restraints and Air Bags - Cars that have air bags or automatic seat belts can receive discounts up to 30%.

It's important to note that some credits don't apply to all coverage premiums. Most cut the price of certain insurance coverages like liability and collision coverage. Just because it seems like adding up those discounts means a free policy, you're out of luck. But any discount will help reduce your overall premium however.

To choose insurance companies offering car insurance discounts in Pennsylvania, click here.

Are car insurance companies telling the truth?

Car insurance providers like State Farm, Allstate and GEICO constantly bombard you with ads on TV and radio. They all have a common claim that you can save if you switch to their company. But how can every company make the same claim? This is how they do it.

Insurance companies have a preferred profile for the driver that makes them money. A good example of a driver they prefer could be between the ages of 30 and 50, insures multiple vehicles, and has a high credit rating. Any new insured that hits that "sweet spot" gets the lowest rates and most likely will save a lot of money.

Consumers who don't qualify for this ideal profile will be quoted higher prices and this can result in business going elsewhere. The ads say "drivers who switch" not "people who quote" save that much. This is how insurance companies can state the savings.

This emphasizes why you need to compare as many rates as you can. It's just too difficult to predict which insurance companies will have the lowest rates.

More information can be read on the website for the Pennsylvania Insurance Department. Click here for link. Consumers can view a list of available companies, learn about insurance regulations, find out industry alerts, and file complaints about an insurance agent or broker.

Other informative sites include this site for car insurance rates in Pennsylvania and this list of insurance agents in Fredericksburg, PA.

Do the work, save more money

Lower-priced car insurance can be found from both online companies and also from your neighborhood Fredericksburg agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies may not provide online price quotes and these small insurance companies work with independent agents.

As you restructure your insurance plan, do not reduce coverage to reduce premium. There have been many situations where drivers have reduced full coverage and found out when filing a claim that they should have had better coverage. The proper strategy is to purchase plenty of coverage for the lowest price while still protecting your assets.