Proven Techniques to Save on Hickory Auto Insurance

No one in their right mind cherishes buying auto insurance, especially knowing the price is too high.

Multiple compete for your business, and it can be difficult to compare rates and uncover the absolute lowest price

If you are paying for car insurance now, you should be able to save some money using this strategy. Finding the best rates in Hickory is easy if you know what you're doing. But Pennsylvania vehicle owners do need to know how insurance companies sell insurance online and take advantage of how the system works.

Are you getting all your discounts?

Properly insuring your vehicles can get expensive, but you can get discounts that you may not even be aware of. Some discounts apply automatically when you complete an application, but some must be specially asked for before they will apply.

  • Federal Employees - Being employed by or retired from a federal job may qualify you for a discount with a few auto insurance companies.
  • Braking Control Discount - Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
  • Good Student - A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts until age 25.
  • Memberships - Affiliation with certain professional organizations could trigger savings when shopping for auto insurance.
  • Payment Discounts - If paying your policy premium upfront instead of paying each month you may reduce your total bill.
  • Senior Discount - Mature drivers may qualify for better auto insurance rates.
  • Multi-car Discount - Buying coverage for more than one vehicle on the same auto insurance policy may reduce the rate for each vehicle.
  • Paperwork-free - A handful of insurance companies give back up to $50 for buying a policy and signing up on their website.
  • Accident Forgiveness - A few companies will forgive one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
  • New Vehicle Savings - Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.

Drivers should understand that many deductions do not apply to your bottom line cost. Most only cut individual premiums such as comp or med pay. So even though it sounds like all those discounts means the company will pay you, companies wouldn't make money that way. But all discounts will cut the cost of coverage.

To see a list of insurance companies offering auto insurance discounts in Hickory, click this link.

Hickory Auto Insurance Quote Comparison

Most companies such as Progressive, Allstate and GEICO give coverage prices on the web. Getting online quotes is pretty painless as you simply type in your coverage preferences as detailed in the form. Once you submit the form, their system will obtain your driving record and credit report and generates pricing information based on these and other factors. Quoting online helps simplify price comparisons, but the time it takes to visit different websites and complete many quote forms can be a bit tiresome and repetitive. But it's very important to have as many quotes as possible in order to get the best price on auto insurance.

The easy way to compare rates

The preferred way to get multiple rate quotes requires only one form to obtain quotes from many companies. The form is fast, requires less work, and makes comparison shopping much more enjoyable and efficient. As soon as the form is sent, your coverage is rated and you can choose any of the price quotes you receive.

If a lower price is quoted, you simply finish the application and purchase coverage. This process only takes a few minutes and you will know how your current rates stack up.

To quickly find out if lower rates are available, click here to open in new window and complete the simple form. If you have a policy now, it's recommended you complete the form with the limits and deductibles just like they are on your policy. This makes sure you are getting an apples-to-apples comparison based on the exact same insurance coverage.

Hickory Rates are Influenced by These Factors

An important part of buying insurance is that you know the rating factors that go into determining auto insurance rates. Understanding what controls the rates you pay enables informed choices that will entitle you to big savings.

  • High numbers of claims are not good - Companies in Pennsylvania give better rates to people who are claim-free. If you are a frequent claim filer, you can look forward to either higher rates or even cancellation. Insurance coverage is intended to be relied upon for larger claims.
  • Credit scores impact auto insurance rates - Having a bad credit score is a important factor in determining your rates. If your credit is lower than you'd like, you could pay less to insure your by repairing your credit. Drivers who have high credit scores tend to be better drivers and file fewer claims as compared to drivers with poor credit.
  • Traffic citations inflate rates - Even one speeding ticket can boost insurance rates forty percent or more. Careful drivers have lower premiums than bad drivers. If you have serious violations such as reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 form with the DMV in their state in order to continue driving.
  • Don't sacrifice liability coverage - Liability insurance is the coverage that protects you when a jury decides you are liable for causing damage or personal injury in an accident. Liability provides legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable compared to physical damage coverage, so drivers should carry high limits.

Tailor your coverage to you

When choosing proper insurance coverage for your vehicles, there is no one size fits all plan. Everyone's situation is a little different so this has to be addressed. For instance, these questions might point out whether you may require specific advice.

  • Am I covered if I drive in a foreign country?
  • Does my insurance cover a custom paint job?
  • Why am I required to buy high-risk coverage?
  • Am I getting all the discounts available?
  • What can I do if my company won't pay a claim?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Am I covered if I wreck a rental car?

If it's difficult to answer those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

How can Progressive, Allstate and GEICO save drivers who switch?

Auto insurance providers like Progressive, Allstate and GEICO constantly bombard you with ads on television and other media. They all make the same claim that you'll save big if you switch to their company. How do they all say the same thing?

All the different companies have a certain "appetite" for the driver that is profitable for them. An example of a driver they prefer might be profiled as over the age of 50, owns a home, and chooses high deductibles. A propective insured who matches those parameters will qualify for the lowest rates and as a result will probably cut their rates substantially.

Consumers who are not a match for the "perfect" profile will be quoted higher rates which leads to business not being written. The ad wording is "customers that switch" not "everybody who quotes" save that much. That is how companies can state the savings.

This emphasizes why drivers must get a wide range of price quotes. It's not possible to predict which company will give you the biggest savings.

The best insurance company isn't always the cheapest

When buying insurance coverage, never reduce coverage to reduce premium. There are too many instances where an insured cut liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

In this article, we covered many ideas to compare auto insurance prices online. The key thing to remember is the more price quotes you have, the better your comparison will be. Consumers may even find the biggest savings come from some of the lesser-known companies. These smaller insurers may only write in your state and offer lower rates than the large multi-state companies such as .

Hickory auto insurance quote

For more Pennsylvania car insurance information

Much more information about auto insurance in Pennsylvania is available on the website for the Pennsylvania Insurance Department located here. Pennsylvania drivers can download brochures, find out industry alerts, file complaints about a company, and find out which companies have the most complaints.