How to Know You're Paying Too Much for Auto Insurance in Hatfield

I can't think of a single person who likes having to buy auto insurance, especially knowing they are paying too much.

With consumers having so many different company options, it's difficult to locate the lowest price company.

It's important to get comparison quotes periodically since insurance rates are constantly changing. Even if you think you had the best deal a couple years back you will most likely find a better rate today. Starting right now, forget anything you know (or think you know) about auto insurance because it's time to teach you the only way to save on auto insurance.

Finding affordable coverage in Hatfield is not that difficult. In a nutshell, everyone who carries auto insurance will be able to save money. Although Pennsylvania vehicle owners do need to know how insurance companies market insurance on the web and take advantage of how the system works.

Policy discounts you shouldn't miss

Auto insurance companies don't necessarily list every available discount very well, so here is a list some of the best known and the more hidden auto insurance savings.

  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
  • Air Bag Discount - Vehicles with factory air bags or motorized seat belts can receive discounts of 20% or more.
  • Safety Course Discount - Successfully completing a course teaching defensive driving skills can save you 5% or more if you qualify.
  • Theft Prevention Discount - Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Driver's Ed - Make teen driver coverage more affordable by requiring them to take driver's ed class if offered at their school.
  • No Claims - Good drivers with no accidents can earn big discounts compared to drivers who are more careless.
  • Clubs and Organizations - Affiliation with a professional or civic organization could qualify you for a break on your policy.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, you won't be that lucky.

Hatfield auto insurance quote

Insurance agents can help

When it comes to buying proper insurance coverage for your vehicles, there really is no one size fits all plan. Each situation is unique and a cookie cutter policy won't apply. For example, these questions may help highlight whether your personal situation may require specific advice.

  • Does my insurance cover a custom paint job?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I really need UM/UIM coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my cargo covered for damage or theft?
  • Will I be non-renewed for getting a DUI or other conviction?

If you don't know the answers to these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Save $429 a year? Really?

Companies like Allstate and Progressive consistently run television and radio advertisements. All the ads say the same thing about savings if you change your policy. But how can every company say the same thing?

Insurance companies have a certain "appetite" for the right customer that earns them a profit. An example of a preferred risk might be profiled as over the age of 50, a clean driving record, and drives less than 10,000 miles a year. A propective insured who fits that profile will get the preferred rates and is almost guaranteed to save a lot of money.

Consumers who don't qualify for this ideal profile will be charged higher prices which usually ends up with business not being written. The ads state "people who switch" but not "drivers who get quotes" save that kind of money. That is how companies can truthfully advertise the way they do. That is why you should quote coverage with many companies. It's not possible to predict which company will provide you with the cheapest rates.

Additional Pennsylvania consumer information

Even more information is available at the Pennsylvania Insurance Department website. Pennsylvania drivers can find out industry alerts, file complaints about a company, discover disciplinary actions, and read consumer alerts.

Also read more on NAIC.org's Understanding your Policy and this directory of Hatfield insurance agents.

Pennsylvania auto insurance

The best insurance company isn't always the cheapest

As you go through the steps to switch your coverage, do not buy lower coverage limits just to save a few bucks. Too many times, someone dropped 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 an affordable rate, not the least amount of coverage.

In this article, we covered a lot of tips how to reduce auto insurance prices online. It's most important to understand that the more quotes you get, the better your comparison will be. Drivers may discover the biggest savings come from a company that doesn't do a lot of advertising. Regional companies may cover specific market segments cheaper compared to the large companies like .

The cheapest auto insurance is attainable on the web in addition to many Hatfield insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some auto insurance companies do not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.