Car Insurance in Indian Head, PA - 10 Tips to Save Money

Are you tired of trying to scrape together enough money each month for car insurance? You are no different than many other Pennsylvania drivers.

Numerous battle for your business, so it's not easy to compare every and uncover the absolute lowest rate

Don't pay full price with these ten discounts

Insurance can be prohibitively expensive, but you can get discounts to reduce the price significantly. A few discounts will automatically apply at the time you complete a quote, but some may not be applied and must be asked for prior to getting the savings.

Service Members Pay Less - Having a family member in the military may qualify for rate reductions.
Employee of Federal Government - Employees or retirees of the government can earn a discount up to 10% depending on your company.
Auto/Life Discount - Some companies give lower rates if you buy life insurance from them.
Driver Safety - Taking a driver safety course could save 5% or more if your company offers it.
Anti-theft System - Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
Homeowners Pay Less - Owning a home in Indian Head may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
Student Driver Training - Cut your cost by having your teen driver enroll in driver's education if it's offered in school.
No Accidents - Claim-free drivers pay less when compared with accident-prone drivers.
Fewer Miles Equal More Savings - Fewer annual miles could qualify for better rates on cars that stay parked.
One Accident Forgiven - A few companies will forgive one accident before hitting you with a surcharge so long as you haven't had any claims for a certain period of time.

Keep in mind that most discount credits are not given to the entire cost. Some only reduce individual premiums such as liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, it just doesn't work that way. But any discount will cut your premiums.

To choose insurers who offer car insurance discounts in Indian Head, click this link.

The car insurance bait and switch

21st Century, Allstate and State Farm continually stream ads in print and on television. All the companies make the same claim that you can save after switching to their company. How do they all make the same claim?

Different companies can use profiling for the driver that makes them money. A good example of a profitable customer could be between 30 and 50, is a homeowner, and drives newer vehicles. Any new insured who matches those parameters will get very good rates and therefore will cut their rates substantially.

Potential customers who don't measure up to the "perfect" profile must pay a more expensive rate which leads to business going elsewhere. The ads say "customers that switch" not "everyone that quotes" save that much. That's why insurance companies can claim big savings.

This illustrates why you should get quotes from several different companies. It's just too difficult to predict the company that will give you the biggest savings.

More information can be read on the website for the Pennsylvania Insurance Department located here. Consumers can find disaster information, download brochures, file complaints about an insurance agent or broker, and discover disciplinary actions.

Affordable insurance is out there

Affordable car insurance can be purchased from both online companies and also from your neighborhood Indian Head agents, so compare prices from both to have the best rate selection. A few companies may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

When trying to cut insurance costs, you should never buy poor coverage just to save money. There are a lot of situations where an accident victim reduced collision coverage and discovered at claim time that it was a big mistake. The proper strategy is to find the BEST coverage at a price you can afford while not skimping on critical coverages.