Top Ways to Save on Holmes Auto Insurance

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us, there are lots of people in the same boat.

Having so many companies and agents to choose from, it can be impossible to pick the most affordable insurer.

It's important to compare prices at least once a year because prices are constantly changing. Even if you got the best rates two years ago the chances are good that you can find a lower rate today. There is a lot of wrong information about auto insurance on the web, but I'm going to show you some great ways to save money.

Choosing the best insurance company for you in Holmes is not that difficult. Essentially every driver who carries auto insurance stands a good chance to be able to reduce their rates. Although Pennsylvania consumers do need to know how the larger insurance companies price insurance differently.

More discounts equal less premium

Auto insurance companies do not list all their discounts very well, so the following is a list of both the well known as well as the least known discounts you could be receiving.

Sign Online - A handful of insurance companies may give you up to $50 for buying your policy online.
Driver Safety - Taking part in a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
Bundle and Save - When you combine your home and auto insurance with the same insurance company you may save approximately 10% to 15%.
Discount for Good Grades - A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
Drive Less and Save - Fewer annual miles could qualify for a substantially lower rate.
No Charge for an Accident - Some insurance companies will forgive one accident before raising your premiums as long as you don't have any claims for a particular time prior to the accident.
Driver's Ed - Have your child complete a driver education course if it's offered in school.

A little note about advertised discounts, some of the credits will not apply the the whole policy. The majority will only reduce individual premiums such as liability, collision or medical payments. So when it seems like all those discounts means the company will pay you, you won't be that lucky.

To see a list of companies who offer auto insurance discounts in Pennsylvania, click here.

Quick Holmes Auto Insurance Quotes

Most companies provide coverage prices on the web. This process is quite simple as you just type in the coverage amounts you desire into the quote form. Once you submit the form, the system will obtain your credit score and driving record and provides a quote based on many factors. This helps simplify price comparisons, but the work required to visit many different websites and complete many quote forms can get tiresome after awhile. Unfortunately, it is important to get many rate quotes if you want to find a lower rate.

Quote rates the easy way

The preferred way to find better auto insurance pricing uses one form that gets price quotes from multiple companies. It's a real time-saver, reduces the work, and makes price shopping online much easier. As soon as the form is sent, it gets priced and you can select any or none of the price quotes you receive. If a lower price is quoted, you can simply submit the application and buy the new coverage. The whole process can be completed in less than 10 minutes and you will find out if you're overpaying now.

To find out how much you're overpaying now, click here and enter your information. If you have your current policy handy, we recommend you complete the form with your coverages as close as possible to your current policy. This makes sure you will get a fair comparison based on the exact same insurance coverage.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know the factors that help determine the rates you pay for auto insurance. When you know what positively or negatively impacts premium levels enables informed choices that may reward you with big savings.

Being married is a good thing - Getting married can get you a discount on auto insurance. It means you're more responsible and it's proven that being married results in fewer claims.
Policy add-ons can waste money - There are a ton of extra coverages that you can buy when buying auto insurance. Things like personal injury protection, towing coverage and term life insurance are some examples. These may sound like a good investment when you first buy your policy, but if they're wasting money remove them from your policy.
Where you reside plays a part - Choosing to live in less populated areas can be a good thing when talking about auto insurance. Urban drivers have much more traffic and longer commute times. Less people living in that area translates into fewer accidents and a lower car theft rate.
Cautious drivers pay less - Your driving citation history has a big impact on rates. Careful drivers have lower premiums compared to drivers with tickets. Even a single moving violation can boost insurance rates forty percent or more. Drivers who have flagrant citations such as reckless driving, hit and run or driving under the influence may need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to keep their license.
Do men or women drive better? - Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean men are worse drivers. They both cause accidents at a similar rate, but the males have costlier accidents. They also get more serious tickets like DUI and reckless driving. Youthful male drivers are most likely to cause an accident and therefore have the most expensive auto insurance rates.
High numbers of claims are not good - If you file claims often, you can pretty much guarantee higher rates. Car insurance companies in Pennsylvania generally give discounts to insureds who are claim-free. Insurance coverage is intended for the large, substantial claims.
Do you have a high stress job? - Did you know your occupation can influence how much you pay for auto insurance? Jobs such as real estate brokers, social workers and stock brokers tend to have the highest rates because of high stress levels and lots of time spent at work. On the other hand, jobs such as actors, students and performers receive lower rates.

Switch companies and save? Really?

Auto insurance companies such as State Farm, GEICO and Progressive continually stream ads in print and on television. They all seem to have a common claim about savings after switching to their company. But how can every company claim to save you money?

All the different companies are able to cherry pick for the driver that is profitable for them. A good example of a desirable insured might be between the ages of 40 and 55, has no tickets, and chooses high deductibles. A customer getting a price quote that hits that "sweet spot" gets the lowest rates and therefore will save a lot of money.

Potential customers who do not match this ideal profile will have to pay higher prices and this can result in the customer not buying. Company advertisements say "customers that switch" not "everyone that quotes" save that much. That's the way companies can truthfully state the savings. Because of the profiling, drivers must quote coverage with many companies. It's impossible to know which auto insurance company will give you the biggest savings.

Do the work, save more money

The cheapest auto insurance can be purchased both online and also from your neighborhood Holmes agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies may not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

When buying insurance coverage, don't be tempted to reduce coverage to reduce premium. In many cases, an insured dropped full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find at a price you can afford.

Find out more about auto insurance

Even more information can be read at the Pennsylvania Insurance Department website. Visitors are able to get help finding coverage, discover disciplinary actions, view agent and company licensing information, and file complaints about a company.

Additional helpful sites include this page for Pennsylvania auto insurance and see this list of insurance agents in Holmes.