How to Know You're Spending Too Much for Auto Insurance in Glen Rock

Scraping up a payment for overpriced auto insurance can empty your bank account and force you to prioritize other expenses. Doing a price comparison is free, only takes a few minutes, and is a good way to make sure you're not throwing money away.

Drivers have so many to buy insurance from, and although it's nice to have multiple companies, too many choices makes it more difficult to compare rates.

It's important to compare prices quite often because prices are constantly changing. If you had the best deal six months ago you will most likely find a better rate today. Starting now, ignore everything you know about auto insurance because you're going to get a crash course in the only way to find lower rates on auto insurance.

This article will help you learn how car insurance quotes work and some tricks to saving. If you have car insurance now, you will most likely be able to save some money using this information. But Pennsylvania drivers do need to know the way companies market on the web and take advantage of how the system works.

Be sure to get all your discounts

Car insurance is not cheap, but discounts can save money and there are some available that can drop the cost substantially. Certain discounts will be applied at the time you complete a quote, but lesser-known reductions have to be requested specifically prior to getting the savings.

Anti-lock Brake System - Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
Save over 55 - If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums.
Government Employees - Active or retired federal employment can save as much as 8% with certain companies.
Clubs and Organizations - Participating in a qualifying organization is a good way to get lower rates on your policy.
Drivers Education - Make teen driver coverage more affordable by requiring them to take driver's ed class in high school.
Pay Upfront and Save - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
Claim Free - Drivers who don't have accidents can earn big discounts compared to drivers who are more careless.
Anti-theft Discount - Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
Own a Home - Being a homeowner can help you save on auto insurance because of the fact that having a home requires personal responsibility.

Consumers should know that most discounts do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, companies don't profit that way. But all discounts will bring down the amount you have to pay.

How do I know if I need professional advice?

When it comes to buying proper insurance coverage for your personal vehicles, there isn't really a cookie cutter policy. Everyone's needs are different so your insurance should reflect that For example, these questions may help you determine whether or not you might need an agent's assistance.

Do I need PIP (personal injury protection) coverage in Pennsylvania?
Should I put collision coverage on all my vehicles?
Why am I required to get a high-risk car insurance policy?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Are rental cars covered under my policy?
Am I getting all the discounts available?
Is my cargo covered for damage or theft?
Do I have any recourse if my insurance company denies a claim?

If you're not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

Is there truth in advertising?

Companies like Allstate and Progressive regularly use television and radio advertisements. All the ads make an identical promise that you'll save big if you move your coverage to them. How does each company make almost identical claims?

All companies have a preferred profile for the type of customer that earns them a profit. An example of a preferred risk could possibly be between the ages of 30 and 50, insures multiple vehicles, and has a high credit rating. A customer getting a price quote who meets those qualifications receives the best rates and is almost guaranteed to save when switching.

Potential customers who don't measure up to these standards will be charged a more expensive rate and ends up with the driver buying from a lower-cost company. Company advertisements say "people who switch" but not "drivers who get quotes" save that much money. This is how companies can state the savings.

That is why you should compare as many rates as you can. It's impossible to know which insurance companies will have the lowest rates.

More sites with auto insurance information

Much more information about auto insurance in Pennsylvania is available on the website for the Pennsylvania Insurance Department through this link. Pennsylvania consumers can read consumer alerts, learn about insurance regulations, read industry bulletins, and read enforcement actions against agents and companies.

Affordable insurance is out there

As you restructure your insurance plan, it's very important that you do not buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. The aim is to buy enough coverage at an affordable rate, not the least amount of coverage.

Discount auto insurance is definitely available online as well as from independent agents in Glen Rock, and you should compare price quotes from both to have the best rate selection. Some insurance companies don't offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.