Hershey Auto Insurance For Less Than You're Paying Now

Shopping for the cheapest Hershey auto insurance on the web is challenging for beginners to online price comaprisons. With dozens of companies in the marketplace, how can you effectively compare every one to find the best available rates?

How to Buy Hershey Auto Insurance Online

There are multiple methods to compare auto insurance quotes, but some are easier and takes less work. You could spend your day talking to insurance agencies in Hershey, or you can utilize the internet to get rates in a matter of minutes.

All the larger companies participate in an industry program that enables customers to only type in their quote data once, and each company returns a competitive quote for coverage. This system prevents you from having to do quote forms to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The one downside to comparing rates this way is you are unable to specify which companies to get quotes from. So if you want to choose individual companies to compare rates, we put together a list of low cost auto insurance companies in Pennsylvania. Click here to view list.

It's up to you how you get prices quotes, just make darn sure you compare exactly the same quote information on every quote you get. If you use mixed coverages it will be next to impossible to determine which rate is truly the best in Hershey.

What determines how much you pay?

It's important that you understand the rating factors that play a part in calculating auto insurance rates. Having a good understanding of what impacts premium levels allows you to make educated decisions that will entitle you to better auto insurance rates.

Shown below are a few of the "ingredients" companies use to determine prices.

  • Do you work long hours in a high stress job? - Careers like lawyers, executives and dentists tend to pay the highest average rates attributed to high stress levels and long work hours. Other jobs such as pilots, historians and retirees have the lowest average rates.
  • Older drivers save more - More mature drivers are more cautious drivers, tend to cause fewer accidents and tend to be better behind the wheel. Teenage drivers have a tendency to be more careless when driving and because of this, their auto insurance rates are much higher.
  • Liability coverage is cheap - Your policy's liability coverage is the protection when a jury decides you are liable for damages from an accident. Liability insurance provides for a legal defense up to the limits shown on your policy. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should carry high limits.
  • Small claims can cost you - Companies in Pennsylvania give cheaper rates to insureds who file claims infrequently. If you frequently file small claims, you can expect either policy cancellation or increased premiums. Car insurance is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.
  • A clean driving record saves money - Even one moving violation can increase rates forty percent or more. Good drivers receive lower rates than their less careful counterparts. If you have dangerous violations like DWI, reckless driving or hit and run convictions may find they need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to prevent a license revocation.

Don't pay full price with these discounts

Properly insuring your vehicles can get expensive, but there are discounts available that you may not know about. Larger premium reductions will be automatically applied when you quote, but a few need to be requested specifically prior to getting the savings. If you aren't receiving every discount you deserve, you're just leaving money on the table.

  • Government Employees - Simply working for the federal government can earn a discount up to 10% with a few auto insurance companies.
  • Senior Discount - Older drivers may receive reduced rates.
  • Club Memberships - Affiliation with a civic or occupational organization could trigger savings when shopping for auto insurance.
  • Drivers Ed for Students - Require your teen driver to successfully complete driver's ed class if offered at their school.
  • Good Student Discount - Getting good grades can save 20 to 25%. This discount can apply up until you turn 25.
  • Multiple Policy Discount - When you have multiple policies with the same insurance company you could get a discount of 10% to 20% off each policy.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Most only apply to the cost of specific coverages such as comp or med pay. Even though it may seem like you could get a free auto insurance policy, you won't be that lucky. Any amount of discount will reduce your premiums.

For a list of insurance companies with discount auto insurance rates in Hershey, click this link.

Your personal situation dictates your coverage

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that may help you determine whether or not you would benefit from professional advice.

  • Why am I required to get a high-risk car insurance policy?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Am I getting all the discounts available?
  • Is my cargo covered for damage or theft?
  • Am I covered if I drive in a foreign country?
  • Do I need to file an SR-22 for a DUI in Pennsylvania?
  • Do I pay less if my vehicle is kept in my garage?
  • What are the best liability limits?

If it's difficult to answer those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form. It's fast, free and can provide invaluable advice.

Additional information can be found on the Pennsylvania Insurance Department website through this link. Pennsylvania drivers can read industry bulletins, read enforcement actions against agents and companies, and find out which companies have the most complaints.

Hershey auto insurance comparison

A tidy conclusion

Insureds leave their current company for many reasons like high rates after DUI convictions, not issuing a premium refund, questionable increases in premium and extreme rates for teen drivers. Regardless of your reason, finding the right auto insurance provider is not as hard as you think.

As you restructure your insurance plan, it's not a good idea to reduce needed coverages to save money. There are too many instances where drivers have reduced physical damage coverage only to regret at claim time that they should have had better coverage. Your strategy should be to buy a smart amount of coverage at an affordable rate while still protecting your assets.

Cheaper auto insurance can be sourced on the web and with local Hershey insurance agents, and you need to price shop both to have the best rate selection. Some insurance companies do not offer online quoting and these regional insurance providers work with independent agents.