7 Best Ways to Reduce Car Insurance Costs in Glenshaw

Expensive car insurance can empty your checking account and put the squeeze on your family's finances. Shopping your coverage around is a smart way to help make ends meet.

Drivers have so many to buy insurance from, and even though it's nice to have a selection, too many choices makes it more difficult to compare rates.

Be sure to get all your discounts

Companies offering auto insurance do not list all available discounts very clearly, so here is a list both the well known as well as the least known car insurance savings.

Safety Course Discount - Completing a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
Senior Citizens - Mature drivers may receive a small decrease in premiums.
Multiple Cars - Buying insurance for all your vehicles on the same car insurance policy may reduce the rate for each vehicle.
Student in College - Children who live away from home and don't have a car can receive lower rates.
Discount for Life Insurance - Some companies give a discount if you purchase a life insurance policy as well.
Memberships - Being a member of a qualifying organization could qualify you for a break when buying car insurance.
Pay Now and Pay Less - If you pay your bill all at once instead of paying each month you could save up to 5%.

It's important to note that most credits do not apply to the overall cost of the policy. Most only apply to individual premiums such as liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, you're out of luck.

To see a list of insurers with discount car insurance rates in Pennsylvania, follow this link.

Free Quotes for Car Insurance in Glenshaw, Pennsylvania

There are several ways to compare car insurance quotes, but one way is easier and takes less work. You can waste a lot of time driving to insurance agencies in Glenshaw, or you could save time and use online quoting to quickly compare rates.

Many insurance companies belong to a marketplace that allows shoppers to only type in their quote data once, and each company provides a quote for coverage. This eliminates the need for repetitive form submissions to each individual car insurance company.

To submit your quote information now, click to open in new window.

The only drawback to pricing coverage this way is you are unable to specify which carriers to get pricing from. So if you want to choose specific providers to compare rates, we have assembled a list of car insurance companies in Pennsylvania. Click here to view list.

It doesn't matter which method you choose, just make darn sure you compare identical quote information with every price quote. If you use mixed coverages it will be impossible to find the best deal in Glenshaw. Just a small difference in limits can result in a big premium difference. And when comparison shopping, comparing a large number of companies helps locate a better price.

How do I know if I need professional advice?

When choosing proper insurance coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Everyone's needs are different and a cookie cutter policy won't apply. For example, these questions may help you determine whether or not you would benefit from professional advice.

Should I rate my vehicle as pleasure use or commute?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Can I afford to buy a different vehicle if my vehicle is totaled?
Do I pay less if my vehicle is kept in my garage?
What happens if I owe more than my vehicle is worth?
Am I getting all the discounts available?
What can I do if my company won't pay a claim?
Does my liability insurance cover pulling a trailer or camper?

If you don't know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Is there truth in advertising?

21st Century, Allstate and State Farm consistently run television and radio advertisements. All the companies say the same thing that you can save if you change your coverage to them. How does each company claim to save you money?

All companies have a preferred profile for the type of customer that is profitable for them. An example of a profitable customer might be a mature driver, insures multiple vehicles, and has great credit. Any new insured who fits that profile is entitled to the best price and is almost guaranteed to save when switching.

Potential customers who don't measure up to these standards must pay a more expensive rate which usually ends up with the customer not buying. The ads state "customers that switch" but not "drivers who get quotes" save that much money. This is how insurance companies can advertise the savings. This illustrates why drivers must get a wide range of price quotes. It's just too difficult to predict which insurance companies will fit your personal profile best.

Affordable insurance is out there

Lower-priced car insurance can be sourced both online as well as from independent agents in Glenshaw, and you need to price shop both to have the best rate selection. There are still a few companies who don't offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

When you buy insurance online, it's very important that you do not reduce coverage to reduce premium. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

More sites with car insurance information

Additional detailed information is available at the Pennsylvania Insurance Department website. Visitors are able to discover disciplinary actions, read enforcement actions against agents and companies, report car insurance fraud, and file complaints about an insurance agent or broker.