Proven Ways to Save on Haverford Car Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Trust us, there are many people just like you.

There is such a variety of to buy insurance from, and though it is a good thing to be able to choose, so many choices can make it hard to compare rates.

It's important to get comparison quotes every six months due to the fact that insurance rates are constantly changing. Despite the fact that you may have had the best deal a year ago you can probably find a better price now. Starting now, block out anything you think you know about car insurance because I'm going to teach you the proper way to save on car insurance.

Understand what determines the rate you pay

Consumers need to have an understanding of the rating factors that help determine the rates you pay for car insurance. Knowing what influences your rates helps enable you to make changes that can help you get lower car insurance prices.

The following are some of the factors that factor into your rates.

  • Bad driving skills means higher rates - Your driving record has a lot to do with how much you pay for insurance. Drivers with clean records have lower premiums compared to drivers with tickets. Only having one speeding ticket may increase your cost forty percent or more. Drivers who get flagrant violations such as hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to keep their license.
  • Do you know your deductibles? - Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some examples of claims that would be covered would be a windshield shattered by a rock, damage caused by hail, and burglary. Physical damage deductibles are the amount of money you are required to spend if you file a covered claim. The more money the insured has to pay upfront, the less your car insurance will be.
  • With age comes lower rates - Youthful drivers in Pennsylvania are known to be less responsible when behind the wheel so they pay higher car insurance rates. Older insureds tend to be more responsible, tend to file fewer claims and tend to be better behind the wheel.
  • Discounts for married couples - Being married can get you a discount on your car insurance policy. Marriage usually means you are more mature and it's proven that being married results in fewer claims.
  • Men pay higher rates - Statistics demonstrate that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. Women and men cause accidents at about the same rate, but men have costlier accidents. Men also have more aggressive citations like DUI and reckless driving. Young males are most likely to cause an accident and are penalized with high car insurance rates.
  • Your car insurance rates can be influenced by your job - Did you know your occupation can influence how much you pay for car insurance? Occupations like doctors, executives and financial analysts are shown to have higher average rates because of high stress and lengthy work days. Conversely, jobs such as actors, engineers and performers pay the least.

Pennsylvania car insurance

More discounts equal less premium

Car insurance can cost a lot, but companies offer discounts to cut the cost considerably. Most are applied at quote time, but some must be specifically requested in order for you to get them.

  • Discount for Good Grades - This discount can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Multiple Vehicles - Having multiple vehicles with the same company may reduce the rate for each vehicle.
  • Resident Student - Any of your kids who live away from home and do not have access to a covered vehicle may be able to be covered for less.
  • E-sign - Certain companies may give you up to $50 just for signing your application over the internet.
  • Senior Citizens - If you're over the age of 55, you may be able to get a discount up to 10%.

It's important to note that most discount credits are not given to all coverage premiums. A few only apply to individual premiums such as medical payments or collision. Just because you may think you can get free auto insurance, you're out of luck. But any discount will bring down your premiums.

To choose providers who offer car insurance discounts in Pennsylvania, click this link.

Switch companies and save? Really?

Companies like State Farm and Allstate continually stream ads in print and on television. All the ads make the same claim that you can save after switching your policy. How does each company claim to save you money?

All companies are able to cherry pick for the right customer that makes them money. An example of a preferred risk might be over the age of 40, has no driving citations, and has excellent credit. Any driver who matches those parameters receives the best rates and therefore will save when switching.

Potential insureds who do not match these standards will be charged more money which leads to the customer not buying. Company advertisements say "customers that switch" not "everyone that quotes" save that kind of money. That's the way insurance companies can make those claims.

That is why you should get a wide range of price quotes. You cannot predict which car insurance company will have the lowest rates.

More information is available on the website for the Pennsylvania Insurance Department located here. Visitors are able to file complaints about a company, report car insurance fraud, read enforcement actions against agents and companies, and get help finding coverage.

The best insurance company isn't always the cheapest

We just presented some good ideas how to save on car insurance. The most important thing to understand is the more you quote, the higher the chance of saving money. You may even discover the lowest premiums are with the least-expected company. Some small companies often have lower prices on specific markets as compared to the big name companies such as .

Lower-priced car insurance can be bought both online in addition to many Haverford insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some companies do not provide online price quotes and many times these smaller companies only sell through independent insurance agents.

While you're price shopping online, never buy poor coverage just to save money. There have been many cases where someone sacrificed liability limits or collision coverage only to find out they didn't purchase enough coverage. Your goal should be to buy enough coverage at a price you can afford, not the least amount of coverage.