Free Guide to Saving Money on Harleigh Auto Insurance Online

Expensive auto insurance can drain your savings account and force you to make sacrifices. Comparison shopping is a smart way to make sure you're not throwing money away.

Online insurance companies like GEICO and Progressive increase brand awareness with advertising and it is difficult to sift through the bull and take the time to shop coverage around.

It's important to compare prices yearly because prices are constantly changing. Even if you think you had the best price last year the chances are good that you can find a lower rate today. Block out anything you think you know about auto insurance because you're about to find out how to quote online to find better coverage at a better price.

Take advantage of discounts

Companies that sell car insurance don't list all their discounts in a way that's easy to find, so we took the time to find both well-publicized and the more hidden auto insurance savings.

College Student - Children who attend school more than 100 miles from home and don't have a car may qualify for this discount.
Discount for Life Insurance - Companies who offer life insurance give better rates if you take out auto and life insurance together.
Lower Rates for Military - Having a deployed family member could be rewarded with lower premiums.
Claim Free - Drivers who don't have accidents can save substantially as compared to bad drivers.
Memberships - Participating in a civic or occupational organization could qualify you for a break on auto insurance.
Multiple Cars - Insuring all your vehicles on the same auto insurance policy could earn a price break for each car.

As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, auto insurance companies aren't that generous.

To see a list of companies with discount auto insurance rates in Harleigh, follow this link.

How to Get Cheap Auto Insurance in Harleigh, PA

There are several ways of comparing price quotes from local Harleigh auto insurance companies. The best method to find competitive insurance rates consists of shopping online. This can be done in just a few minutes using one of these methods.

The best way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This method eliminates the need for separate quotation requests to each individual auto insurance company. A single, simple form will get you price quotes from auto insurance companies with the best prices.
A more difficult way to compare rate quotes requires a visit to each company's website and fill out their own quote form. For instance, let's assume you want comparison quotes from , and . To find out each rate you need to go to every website to input your insurance information, which is why most consumers use the first method.

To view a list of companies in Harleigh, click here.
The least efficient way of getting rate comparisons is driving around to local Harleigh insurance agencies. Shopping for auto insurance online has reduced the need for local agents unless you prefer the trained guidance only provided by licensed Harleigh agents. You can, however, obtain prices from the web and still use a local agent. We'll cover that shortly.

Whichever way you use, make sure you use exactly the same coverage limits for every quote you compare. If you are comparing differing limits it will be impossible to determine the best price in Harleigh. Just a small difference in coverages can result in a big premium difference. And when comparing auto insurance rates, know that comparing a large number of companies will improve the odds of getting better pricing.

How to Lower your Auto Insurance Rates

An important part of buying insurance is that you know some of the elements that play a part in calculating the price you pay for auto insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that may reward you with big savings.

Shown below are a few of the "ingredients" used by your company to calculate rates.

Mature drivers pay less - More mature drivers are viewed as being more responsible, file fewer claims and receive fewer citations. Teen drivers have a tendency to be more careless when driving and because of this, their auto insurance rates are much higher.
The more you drive the more you pay - The higher the mileage driven in a year's time the more you will pay for auto insurance. Almost all companies apply a rate based upon how you use the vehicle. Vehicles not used for work or commuting qualify for better rates than those used for commuting. Ask your agent if your auto insurance declarations sheet is rated on the correct usage for each vehicle.
Better crash test results mean better rates - Vehicles with good safety scores are cheaper to insure. These vehicles protect occupants better and lower injury rates translates into savings for insurance companies and more competitive rates for policyholders.
Your stress level may be raising your rates - Jobs such as lawyers, architects and dentists have the highest average rates attributed to high stress levels and lots of time spent at work. Other professions such as pilots, historians and retirees get better rates.
Liability coverage protects you - Your policy's liability coverage is the protection if ever a court rules you are at fault for personal injury or accident damage. It will provide for a legal defense which can cost thousands of dollars. This coverage is very inexpensive as compared to coverage for physical damage, so buy as much as you can afford.

How to know if you need help

When choosing the right insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone's needs are different so your insurance needs to address that. These are some specific questions can help discover whether your personal situation would benefit from an agent's advice.

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 covered when delivering products for my home-based business?
Will I be non-renewed for getting a DUI or other conviction?
Are rental cars covered under my policy?
Am I covered if I wreck a rental car?
Does my policy cover my teen driver if they drive my company car?

If you don't know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Are auto insurance companies telling the truth?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm consistently run ads on TV and radio. They all seem to say the same thing about savings if you change your coverage to them. How can each company make almost identical claims?

All the different companies have a preferred profile for the type of customer that is profitable for them. For example, a desirable insured could possibly be between 25 and 40, has no prior claims, and drives newer vehicles. A customer getting a price quote who fits that profile gets the lowest rates and most likely will save when they switch companies.

Potential customers who don't qualify for the requirements will have to pay higher prices which usually ends up with the driver buying from a lower-cost company. Company advertisements say "people who switch" not "people who quote" save that much money. This is how companies can truthfully claim big savings. Because of the profiling, drivers must get quotes from several different companies. It's impossible to know which insurance companies will give you the biggest savings.

Final considerations

When trying to cut insurance costs, it's a bad idea to reduce coverage to reduce premium. There are many occasions where consumers will sacrifice physical damage coverage only to regret at claim time that it was a big mistake. Your aim should be to buy the best coverage you can find at an affordable rate.

Cheap auto insurance is attainable online as well as from independent agents in Harleigh, so you should compare both so you have a total pricing picture. A few companies don't offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

Learn more about auto insurance in Pennsylvania

Even more information can be found at the Pennsylvania Insurance Department website. Pennsylvania consumers can read enforcement actions against agents and companies, file complaints about an insurance agent or broker, find disaster information, and read industry bulletins.