How to Get Low-Cost Freeland Auto Insurance

Are you intimidated by the crazy number of auto insurance options in Freeland? Many other consumers are too. Drivers have so many options available that it can turn into a lot of work to locate the lowest price.

It's important to compare prices every six months because insurance rates are constantly changing. Despite the fact that you may have had the best price a couple years back a different company probably has better rates today. Ignore everything you know about auto insurance because you're about to learn one of the best ways to buy cheaper auto insurance.

Finding affordable coverage in Freeland is quite easy. If you currently have a car insurance policy, you should be able to lower your premiums substantially using this information. Nevertheless, Pennsylvania drivers do need to know how companies compete online and apply this information to your search.

How much can you save with discounts?

Companies offering auto insurance don't necessarily list every available discount very well, so we took the time to find both well-publicized and the harder-to-find ways to save on auto insurance.

Discount for Good Grades - Performing well in school can earn a discount of 20% or more. This discount can apply well after school through age 25.
Multiple Vehicles - Buying insurance for multiple vehicles on one policy qualifies for this discount.
Discount for New Cars - Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.
Passive Restraints and Air Bags - Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
Low Mileage - Fewer annual miles can earn better rates on cars that stay parked.
E-sign - A few companies will discount your bill up to fifty bucks simply for signing online.
No Charge for an Accident - Some insurance companies will allow you to have one accident before your rates go up if you are claim-free for a set time period.
Multi-policy Discount - If you have multiple policies with one company you may save at least 10% off all policies.

Consumers should know that many deductions do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, companies don't profit that way.

Good Decisions Result in Lower Rates

Smart consumers have a good feel for the rating factors that help determine the price you pay for auto insurance. When you know what positively or negatively determines base rates enables informed choices that can help you get much lower annual insurance costs.

The following are a few of the "ingredients" auto insurance companies consider when setting your rates.

Traffic violations increase rates - Your driving record has a big impact on rates. Even a single moving violation can boost insurance rates forty percent or more. Careful drivers tend to pay less for car insurance compared to drivers with tickets. Drivers who get flagrant violations like reckless driving, hit and run or driving under the influence may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.
Do you know your deductibles? - Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some instances where coverage would apply could be running into the backend of another car, damage from fire, or theft. Physical damage deductibles are the amount of money you are required to spend in the event of a claim. The higher the amount you are required to pay out-of-pocket, the less your auto insurance will be.
Older drivers pay less - Teen drivers in Pennsylvania are known to be less responsible when behind the wheel so auto insurance rates are higher. Older insureds tend to be more responsible, statistically cause fewer accidents and are safer drivers.
Extra coverages can waste money - There are a ton of extra coverages you can purchase on your auto insurance policy. Things like vanishing deductibles, better glass coverage and term life insurance may be wasting your money. They may seem good when talking to your agent, but if they're wasting money remove them from your policy.
Men pay higher rates - Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Both sexes have accidents in similar percentages, but men have costlier accidents. Men also have more aggressive citations such as DWI and reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and therefore are the most expensive to insure.
One company can mean more discounts - Many auto insurance companies give discounts to customers who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, it's in your best interest to compare other company rates to ensure the best deal. You may still find a better deal by buying auto insurance from a different company.

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

Companies like State Farm and Allstate continually stream television and radio advertisements. All the ads make the same claim of big savings after switching to their company. But how can every company make almost identical claims? This is how they do it.

Insurance companies are able to cherry pick for the driver that earns them a profit. For example, a preferred risk could possibly be between 25 and 40, has no driving citations, and drives less than 10,000 miles a year. A driver who matches those parameters is entitled to the best price and is almost guaranteed to save a lot of money.

Consumers who don't meet this ideal profile will be charged higher prices which leads to the driver buying from a lower-cost company. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much. That's the way insurance companies can confidently advertise the way they do. That is why drivers should get a wide range of price quotes. It is impossible to predict which auto insurance company will provide you with the cheapest rates.

Learn more about Pennsylvania auto insurance

More tips and info about auto insurance can be found at the Pennsylvania Insurance Department website. Pennsylvania consumers can file complaints about a company, report car insurance fraud, and read enforcement actions against agents and companies.

Also read more on NAIC.org's Understanding your Policy and this directory of insurance agents in Freeland Pennsylvania.

Final considerations

In this article, we presented many ideas to reduce auto insurance prices online. The most important thing to understand is the more you quote, the better your chances of lowering your rates. You may even discover the most savings is with a lesser-known regional company.

Cost effective auto insurance can be bought online and also from your neighborhood Freeland agents, so you should compare both in order to have the best price selection to choose from. Some auto insurance companies may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

As you go through the steps to switch your coverage, don't be tempted to skimp on coverage in order to save money. There have been many cases where someone sacrificed physical damage coverage only to regret at claim time that the savings was not a smart move. Your goal should be to buy enough coverage for the lowest price, not the least amount of coverage.