9 Discounts Harrisburg Consumers Forget when Quoting Car Insurance

Paying for high-priced car insurance can overdraw your bank account and force you to make sacrifices. Comparison shopping is free and is an excellent way to lower your monthly bill.

Because there are so many car insurance companies to choose from, it is very difficult to pick the lowest price provider.

It's important to get comparison quotes on a regular basis since rates are constantly changing. If you had the best price six months ago you can probably find a lower rate today. Ignore everything you know about car insurance because you're about to learn one of the easiest ways to eliminate unnecessary coverages and save money.

Harrisburg car insurance comparison

Which Car Insurance is Cheapest in Harrisburg, Pennsylvania?

There are several ways to compare car insurance quotes, but some are less labor-intensive and much quicker. You can spend countless hours talking to agents in Harrisburg, or you could use the internet for quick rates.

The majority of car insurance companies participate in a marketplace that allows shoppers to only type in their quote data once, and each participating company then gives them pricing based on that information. This system prevents you from having to do quote forms to each individual car insurance company.

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

The one downside to doing it this way is that you can't choose the providers to receive prices from. So if you want to choose from a list of companies for rate comparison, we put together a list of companies who write car insurance in Pennsylvania. View list of Pennsylvania insurance companies.

It doesn't matter which method you choose, just ensure you are comparing apples-to-apples deductibles and coverage limits for each price quote. If the quotes have different values for each quote then you won't be able to truly determine the lowest rate in Harrisburg. Having just a slight variation in coverages could mean much higher rates. Just remember that having more price comparisons gives you a better chance of getting better pricing.

Be sure to get all your discounts

The cost of insuring your cars can be expensive, but companies offer discounts to help offset the cost. Most are applied when you get a quote, but a few need to be requested specifically before you will receive the discount.

  • College Student - Any of your kids who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
  • Own a Home - Owning a house in Harrisburg may earn you a small savings because of the fact that having a home is proof that your finances are in order.
  • Military Discounts - Having a family member in the military can result in better rates.
  • Good Student Discount - A discount for being a good student can earn a discount of 20% or more. This discount can apply up to age 25.
  • Save with a New Car - Buying coverage on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Seat Belts Save more than Lives - Buckling up and requiring all passengers to wear their seat belts could save 15% off the personal injury premium cost.
  • No Claims - Drivers who don't have accidents can save substantially as compared to bad drivers.
  • Pay Upfront and Save - If paying your policy premium upfront instead of paying each month you could save 5% or more.
  • Bundle and Save - When you combine your home and auto insurance with one company you could get a discount of at least 10% off all policies.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. Most only reduce specific coverage prices like liability, collision or medical payments. Even though it may seem like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will help reduce the amount you have to pay.

To see a list of companies with the best car insurance discounts in Pennsylvania, click this link.

For more Pennsylvania car insurance information

Additional information can be found on the website for the Pennsylvania Insurance Department found here. Visitors are able to read enforcement actions against agents and companies, get help finding coverage, find disaster information, and file complaints about a company.

Additional helpful sites include this Car Insurance FAQ and this page of insurance agents in Harrisburg.