8 Simple Tips to Slash Car Insurance Costs in Jamison

I can't think of anyone who enjoys paying for car insurance, especially when they are paying too much.

Having so many companies to choose from, it is very difficult to find the most cost effective car insurance company.

Take advantage of discounts

Properly insuring your vehicles can get expensive, but you can get discounts that you may not know about. Certain discounts will be applied when you get a quote, but a few must be manually applied before you will receive the discount.

Federal Employees - Employees or retirees of the government could cut as much as 10% off with a few car insurance companies.
Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
Homeowners Savings - Simply owning a home may earn you a small savings because maintaining a house shows financial diligence.
Discount for Swiching Early - Select companies give a discount for switching to them prior to your current policy expiration. The savings is around 10%.
No Accidents - Good drivers with no accidents pay much less when compared to accident-prone drivers.
Service Members Pay Less - Having a family member in the military could be rewarded with lower premiums.
Auto/Life Discount - Companies who offer life insurance give a break if you buy life insurance.
Low Mileage Discounts - Low mileage vehicles could be rewarded with better rates on cars that stay parked.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like comp or med pay. So even though they make it sound like adding up those discounts means a free policy, car insurance companies aren't that generous. Any amount of discount will help reduce your overall premium however.

To choose insurance companies with discount car insurance rates in Pennsylvania, click this link.

Are car insurance companies telling the truth?

Car insurance providers like Progressive, Allstate and GEICO consistently run ads on TV and radio. They all make the same claim about savings if you change to their company. But how can every company make the same claim? This is how they do it.

Insurance companies have a certain "appetite" for the driver that makes them money. For instance, a driver they prefer could be between the ages of 30 and 50, owns a home, and has a short commute. Any new insured who matches those parameters will get the preferred rates and most likely will save a lot of money.

Drivers who don't qualify for this ideal profile will be quoted higher premiums which leads to business going elsewhere. The ads state "drivers who switch" not "people who quote" save that much. That is how companies can truthfully make the claims of big savings.

This emphasizes why you should quote coverage with many companies. It's just too difficult to predict which company will fit your personal profile best.

How to know if you need help

When buying the best car insurance coverage for your vehicles, there really is no "perfect" insurance plan. Every insured's situation is different so this has to be addressed. These are some specific questions might point out whether your personal situation might need an agent's assistance.

Am I covered if I drive in a foreign country?
Do I need special endorsements for business use of my vehicle?
When do I need to add a new car to my policy?
Does my car insurance cover rental cars?
Does my policy cover my teen driver if they drive my company car?
Is my dog or cat covered if injured in an accident?
Am I covered when delivering products for my home-based business?

If it's difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

For more Pennsylvania car insurance information

Additional information is located on the website for the Pennsylvania Insurance Department. Click here for link. Consumers can download brochures, read consumer alerts, report car insurance fraud, and file complaints about a company.

Other informative sites include this online resource for car insurance quotes in Pennsylvania and this list of insurance agents in Jamison.

Shop smart and save

As you shop your coverage around, don't be tempted to buy poor coverage just to save money. There are too many instances where an insured cut collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible for the lowest price while still protecting your assets.

Cheap car insurance can be sourced from both online companies and also from your neighborhood Jamison agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers may not provide online price quotes and these small, regional companies work with independent agents.