Proven Ways to Save on Honey Brook Auto Insurance

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Believe me when I say there are many people just like you. Drivers have multiple to pick from, and although it's a good thing to have multiple companies, it can be more challenging to compare rates.

It's important to take a look at other company's rates every six months because insurance rates are constantly changing. Even if you got the lowest price six months ago you will most likely find a better rate today. Block out anything you think you know about auto insurance because we're going to demonstrate the only way to lower your rates without sacrificing coverage.

Save big with these discounts

Companies don't always list every available discount very clearly, so we researched both well-publicized as well as the least known discounts you could be receiving. If you're not getting every credit possible, you are throwing money away.

  • Anti-theft Discount - Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Multi-car Discount - Insuring more than one vehicle on one policy may reduce the rate for each vehicle.
  • Anti-lock Brakes - Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
  • Life Insurance Discount - Some companies give a discount if you purchase a life insurance policy as well.
  • Defensive Driver - Completing a course in driver safety could possibly earn you a 5% discount if you qualify.

It's important to note that some of the credits will not apply to all coverage premiums. Most only reduce individual premiums such as comprehensive or collision. So when the math indicates you can get free auto insurance, you're out of luck.

Honey Brook auto insurance quote

Auto insurance ads bend the truth

Pennsylvania consumers get pounded daily by advertisements that promise big savings by Allstate and Progressive. All the ads have a common claim that you can save if you switch to their company.

How does each company make almost identical claims?

All companies are able to cherry pick for the driver that earns them a profit. For instance, a preferred risk could possibly be between the ages of 30 and 50, has no driving citations, and has a high credit rating. A driver that hits that "sweet spot" will get the preferred rates and most likely will save when switching.

Potential insureds who fall outside these standards will be charged more money and this can result in the driver buying from a lower-cost company. The ads state "customers that switch" not "people who quote" save that much. That's the way insurance companies can state the savings. That is why you should compare many company's rates. It is impossible to predict which auto insurance company will have the lowest rates.

Additional detailed information is located at the Pennsylvania Insurance Department website. Pennsylvania consumers can read consumer alerts, report car insurance fraud, find out industry alerts, and file complaints about an insurance agent or broker.

Also read more on BankRate.com's Car Insurance: When not to Skimp and this Honey Brook agent directory.

In the end, you save

As you restructure your insurance plan, make sure you don't buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed liability coverage limits only to discover later that they should have had better coverage. The aim is to get the best coverage possible at a price you can afford, not the least amount of coverage.

Lower-priced auto insurance can be found online and also from your neighborhood Honey Brook agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies may not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

In this article, we presented a lot of techniques to reduce auto insurance prices online. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the lowest rates come from the least-expected company. Regional companies often have lower prices on specific markets than their larger competitors like .