7 Best Methods to Slash Car Insurance Costs in Hollidaysburg

Scraping up a payment for overpriced car insurance can dwindle your savings account and put the squeeze on your family's finances. Doing a price comparison is a smart way to help make ends meet.

Multiple compete to insure your vehicles, and because of this it can be hard to compare to find the absolute lowest rate

If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these methods. Buying car insurance in Hollidaysburg is easy if you know what you're doing. But Pennsylvania car owners do need to know the way companies sell online and apply this information to your search.

Free Quotes for Car Insurance in Hollidaysburg, Pennsylvania

There are several ways to compare rate quotes from local Hollidaysburg car insurance companies. The recommended way to find the cheapest insurance rates is to use the internet to compare rates. This can be accomplished using a couple different methods.

The first (and easiest) way to get quotes is to use a rate comparison form (click to open form in new window). This method saves time by eliminating repetitive form entry for every car insurance company. One form gets you price quotes direct from many companies.

A different way to get quotes online requires a trip to the website of each company to complete a price quote. For example, let's assume you want comparison quotes from , and . To get rate quotes you would need to visit each site to input your insurance information, which is why the first method is more popular. To view a list of companies in Hollidaysburg, click here.

It doesn't matter which method you choose, just make darn sure you compare the exact same quote information with each company. If you have mixed coverages it's not possible to make an equal comparison in Hollidaysburg. Just a small difference in insurance coverages can make a big difference in price. And when comparison shopping, quoting more will increase your chances of finding a better price.

compare Hollidaysburg car insurance rates

Save big with these seven discounts

Insuring your fleet can be pricey, but there are discounts available that you may not know about. Certain discounts will be applied at the time of quoting, but less common discounts must be manually applied before you will receive the discount.

  • Pay Now and Pay Less - If you pay your bill all at once rather than paying monthly you can actually save on your bill.
  • 55 and Retired - Older drivers may receive reduced rates.
  • Club Memberships - Belonging to certain professional organizations could qualify you for a break when shopping for car insurance.
  • Safety Course Discount - Completing a driver safety course could cut 5% off your bill depending on where you live.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Passive Restraint Discount - Cars that have air bags or automatic seat belts can get savings of more than 20%.
  • Accident Free - Drivers who don't have accidents can save substantially when compared to frequent claim filers.

Consumers should know that most credits do not apply to the overall cost of the policy. Some only reduce individual premiums such as liability and collision coverage. So even though they make it sound like it's possible to get free car insurance, companies don't profit that way. But all discounts will cut your overall premium however.

For a list of insurance companies with discount car insurance rates in Hollidaysburg, follow this link.

But I don't know anything about car insurance

When it comes to choosing the right insurance coverage for your personal vehicles, there is no "perfect" insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won't apply. These are some specific questions may help you determine if your situation might need an agent's assistance.

  • 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?
  • Are rental cars covered under my policy?
  • Do I really need UM/UIM coverage?
  • Does my insurance cover a custom paint job?
  • Should I drop comprehensive coverage on older vehicles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my policy cover me when driving someone else's vehicle?

If you don't know the answers to these questions but a few of them apply, you might consider talking to an agent. If you don't have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Much more information about car insurance in Pennsylvania can be found on the website for the Pennsylvania Insurance Department located here. Consumers can view a list of available companies, read enforcement actions against agents and companies, find out which companies have the most complaints, and discover disciplinary actions.

Hollidaysburg car insurance comparison

Shop smart and save

As you shop your coverage around, you should never reduce needed coverages to save money. There have been many situations where drivers have reduced physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to find the BEST coverage at a price you can afford while still protecting your assets.

Discount car insurance can be sourced from both online companies and with local Hollidaysburg insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers do not offer online quoting and these regional insurance providers work with independent agents.