How to Find Low-Cost Furlong Car Insurance

Purchasing the cheapest Furlong car insurance on the internet is intimidating for consumers new to comparing rates online. Since there are so many insurance companies available, how can consumers have a chance to compare the different rates to find the lowest price?

It's important to take a look at other company's rates yearly because rates are constantly changing. Despite the fact that you may have had the best deal a couple years back a different company probably has better rates today. So ignore everything you know about car insurance because you're going to learn the only way to reduce your cost while increasing coverage.

Are you getting all your discounts?

Car insurance is not cheap, but you can get discounts to cut the cost considerably. Most are applied when you get a quote, but lesser-known reductions have to be asked about before you will receive the discount.

  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • Discount for Life Insurance - Companies who offer life insurance give a break if you buy life insurance from them.
  • Resident Student - Children who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Good Student Discount - Performing well in school can save 20 to 25%. The discount lasts well after school through age 25.
  • Government Employees - Active or retired federal employment can earn a discount up to 10% with certain companies.
  • Multi-policy Discount - If you have multiple policies with one insurance company you could get a discount of 10% to 20% off each policy.

As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. Most only reduce individual premiums such as comprehensive or collision. So despite the fact that it appears you could get a free car insurance policy, car insurance companies aren't that generous. Any amount of discount will help reduce the cost of coverage.

Furlong car insurance quote

Furlong Rates are Influenced by These Factors

Smart consumers have a good feel for some of the elements that help determine your car insurance rates. When you know what positively or negatively impacts premium levels enables informed choices that can help you get better car insurance rates.

The following are some of the factors car insurance companies consider when setting your rates.

  • Credit scores impact car insurance rates - Your credit history is a important factor in determining what you pay for car insurance. If your credit rating is not that good, you could potentially save money when insuring your by improving your rating. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers who have lower credit scores.
  • Big city or small town - Residing in a small town has it's advantages when it comes to car insurance. City drivers tend to have congested traffic and longer commutes to work. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims.
  • Older drivers pay less - Young drivers in Pennsylvania are known to be less responsible when driving so car insurance rates are higher. If you've ever had to add a young driver to your car insurance policy can really hurt. More mature drivers tend to be more responsible, tend to cause fewer accidents and get fewer tickets.
  • How's your driving record? - Careful drivers have lower premiums compared to drivers with tickets. Just one moving violation can boost insurance rates by as much as thirty percent. Drivers who get flagrant violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form with their state motor vehicle department in order to keep their license.
  • Small claims can cost you - If you file claims often, you can expect either higher rates or even cancellation. Insurance companies in Pennsylvania provide discounts to insureds who are claim-free. Car insurance is meant to be used in the event of the bigger claims that can't be paid out-of-pocket.

Tailor your coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone's situation is a little different.

For instance, these questions can help discover whether you could use an agent's help.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When does my teenage driver need to be added to my policy?
  • What are Pennsylvania no-fault laws?
  • Does my insurance cover a custom paint job?
  • Do I need to file an SR-22 for a DUI in Pennsylvania?
  • Should I put collision coverage on all my vehicles?
  • Am I covered if I drive in a foreign country?

If you don't know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

How can Allstate and Progressive save drivers who switch?

Companies like Allstate and Progressive continually stream ads on television and other media. All the ads say the same thing about savings after switching to their company. But how can every company make the same claim?

Different companies have a preferred profile for the driver that earns them a profit. An example of a preferred risk could be over the age of 40, has no prior claims, and drives less than 10,000 miles a year. A customer who fits that profile will get the preferred rates and as a result will probably save a lot of money.

Drivers who are not a match for this ideal profile will be charged higher premiums which usually ends up with business going elsewhere. The ads state "customers that switch" not "everybody who quotes" save that much. This is how companies can truthfully advertise the way they do.

That is why drivers should compare as many rates as you can. Because you never know which insurance companies will provide you with the cheapest rates.

Additional information is available on the Pennsylvania Insurance Department website located here. Consumers can find out industry alerts, view agent and company licensing information, and read enforcement actions against agents and companies.

Also read more on BankRate.com's Car Insurance: When not to Skimp and this directory of Furlong insurance agents.

Pennsylvania car insurance quotes

Shop smart and save

As you go through the steps to switch your coverage, do not skimp on coverage in order to save money. Too many times, consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. The aim is to get the best coverage possible at a price you can afford, not the least amount of coverage.

We just showed you many ways to reduce car insurance prices online. The most important thing to understand is the more quotes you get, the better likelihood of reducing your rate. Drivers may discover the lowest premiums are with some of the lesser-known companies.

Consumers change insurance companies for a number of reasons such as policy cancellation, delays in paying claims, not issuing a premium refund and even poor customer service. Regardless of your reason for switching companies, choosing a new insurance company is less work than it seems.