Lower Online Imperial Auto Insurance Prices With These Tricks

If you've never shopped for auto insurance online, you may be overwhelmed by the large number of auto insurance companies all offering big savings in Imperial.

Take advantage of discounts

Insurance can be prohibitively expensive, buy you may qualify for discounts that you may not even be aware of. Certain discounts will be applied when you get a quote, but lesser-known reductions have to be manually applied before you will receive the discount. If they aren't giving you every credit you qualify for, you are throwing money away.

  • Defensive Driver - Successfully completing a course in driver safety can save you 5% or more if you qualify.
  • Early Signing - Some companies give discounts for switching policies prior to your current policy expiring. This can save 10% or more.
  • Passive Restraints - Vehicles equipped with air bags or motorized seat belts can get savings up to 30%.
  • Fewer Miles Equal More Savings - Driving fewer miles can qualify you for better rates on cars that stay parked.
  • Braking Control Discount - Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.

It's important to note that most discount credits are not given to the entire policy premium. Some only reduce specific coverage prices like liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, you're out of luck. But any discount will cut your overall premium however.

auto insurance in Imperial

How to know if you need help

When it comes to buying proper insurance coverage for your vehicles, there is no one size fits all plan. Your needs are not the same as everyone else's.

These are some specific questions may help highlight whether your personal situation might need an agent's assistance.

  • Should I have combined single limit or split liability limits?
  • Does my car insurance cover rental cars?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my dog or cat covered if injured in an accident?
  • Do I really need UM/UIM coverage?
  • Should I buy additional glass protection?

If it's difficult to answer those questions, you might consider talking to an insurance agent. If you don't have a local agent, complete this form. It's fast, doesn't cost anything and you can get the answers you need.

Are auto insurance companies telling the truth?

Pennsylvania consumers get pounded daily by advertisements for cheaper car insurance from the likes of 21st Century, Allstate and State Farm. All the companies make the same claim that you can save if you switch your coverage to them.

How do they all make almost identical claims? It's all in the numbers.

Insurance companies have a certain "appetite" for the type of customer that earns them a profit. An example of a profitable customer could possibly be between the ages of 30 and 50, a clean driving record, and has a short commute. A driver who matches those parameters will get very good rates and most likely will cut their rates substantially.

Drivers who don't qualify for the "perfect" profile must pay higher premiums which leads to the driver buying from a lower-cost company. The ads say "customers who switch" not "people who quote" save that much money. That is how insurance companies can make the claims of big savings.

This illustrates why you should get a wide range of price quotes. It is impossible to predict which company will fit your personal profile best.

Additional Pennsylvania consumer information

More information is available on the Pennsylvania Insurance Department website found here. Pennsylvania consumers can discover disciplinary actions, learn about specific coverages, and file complaints about a company.

Pennsylvania auto insurance

Best coverage at the best price

Lower-priced auto insurance is available online as well as from independent agents in Imperial, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers don't offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

In this article, we presented some good ideas how to reduce auto insurance prices online. The key thing to remember is the more companies you get rates for, the better your comparison will be. You may even discover the lowest rates come from a small mutual company.

As you shop your coverage around, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where someone dropped comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to find the BEST coverage at the best price while not skimping on critical coverages.