6 Discounts Havertown Drivers Forget when Comparing Car Insurance

Finding lower rates for Havertown car insurance is difficult for beginners to buying insurance online. People have so many options available that it can turn into a big hassle to find the best price in Havertown.

Finding affordable coverage in Havertown is easy if you know what you're doing. If you are insured now or are looking for a new policy, you can follow these tips to find the best rates while maintaining coverages. Pennsylvania vehicle owners just need to know the best way to compare company rates online.

Be sure to get all your discounts

Car insurance companies don't always publicize all available discounts very clearly, so the following is a list of both the well known and the more hidden car insurance savings. If you're not getting every credit available, you're paying more than you need to.

  • Memberships - Being a member of a qualifying organization could qualify you for a break when buying car insurance.
  • Claim Free - Claim-free drivers pay less when compared with bad drivers.
  • Pay Upfront and Save - If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Discount for Life Insurance - Select insurance companies reward you with a discount if you purchase life insurance from them.
  • More Vehicles More Savings - Buying insurance for multiple cars or trucks on the same car insurance policy could earn a price break for each car.
  • Paperless Signup - Some insurance companies may give you up to $50 for buying a policy and signing up over the internet.

Consumers should know that most credits do not apply to the entire cost. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like you could get a free car insurance policy, companies don't profit that way.

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

Cheap Havertown Car Insurance Comparisons

Shopping for lower car insurance rates can take hours if you aren't aware of the most efficient way. You can waste a lot of time talking about coverages with insurance agencies in Havertown, or you can utilize the internet to get prices fast.

Many insurance companies belong to a marketplace that allows shoppers to complete one form, and every company returns a rated price based on that information. This eliminates the need for quote requests to each individual car insurance company.

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

The one disadvantage to using this type of form is buyers cannot specifically choose which carriers you want pricing from. So if you prefer to pick individual companies to request quotes from, we have a page of low cost car insurance companies in Pennsylvania. View list of Pennsylvania insurance companies.

It doesn't matter which method you choose, just ensure you're using identical deductibles and coverage limits for every company. If the quotes have different values for each quote it will be impossible to decipher which rate is best in Havertown.

Is there truth in advertising?

Consumers in Pennsylvania can't get away from ads for the lowest price auto insurance from the likes of Allstate, GEICO and Progressive. All the companies say the same thing that you'll save big if you move your coverage to them.

How does each company claim to save you money?

Different companies can use profiling for the type of customer that is profitable for them. A good example of a profitable customer might be between the ages of 40 and 55, is a homeowner, and has excellent credit. Any new insured who fits that profile will get the preferred rates and is almost guaranteed to save when switching.

Potential insureds who don't measure up to these standards must pay more money which usually ends up with the customer not buying. The ads state "people who switch" but not "drivers who get quotes" save that much money. That's why companies can make those claims. This illustrates why drivers must get as many comparisons as possible. It's just too difficult to predict the company that will have the lowest rates.

Best coverage at the best price

Discount car insurance is possible both online as well as from independent agents in Havertown, so you should be comparing quotes from both in order to have the best chance of saving money. Some companies don't offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

Consumers who switch companies do it for many reasons like questionable increases in premium, high rates after DUI convictions, unfair underwriting practices or delays in paying claims. Regardless of your reason, finding the right car insurance provider is actually quite simple.

While you're price shopping online, make sure you don't reduce coverage to reduce premium. In too many instances, an accident victim reduced full coverage and found out when filing a claim they didn't purchase enough coverage. Your focus should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.

More detailed Pennsylvania car insurance information can be read at the Pennsylvania Insurance Department website. Visitors are able to find out which companies have the most complaints, read industry bulletins, and view a list of available companies.

Additional helpful sites include this link for Pennsylvania car insurance quotes and this link which helps you find a Havertown agent.