Easy Ways to Spend Less on Jenkintown Auto Insurance

Finding low-cost Jenkintown auto insurance on the web is problematic for consumers new to shopping for insurance online. With a ridiculous number of online companies, how can consumers possibly compare the different rates to find the best pricing?

It's important to take a look at other company's rates quite often because prices are constantly changing. Even if you got the best deal a few years ago you can probably find a lower rate today. So just ignore everything you know about auto insurance because you're going to get a crash course in the proper way to reduce your cost while increasing coverage.

Pennsylvania auto insurance quotes

Free Jenkintown Auto Insurance Quotes

There are several ways of comparing rates from local Jenkintown auto insurance companies. The best method to find competitive insurance rates consists of shopping online. This can be done in a couple of different ways.

  • The recommended way to get quotes for comparison is to use a rate comparison form (click to open form in new window). This form eliminates the need for repetitive form entry for each company you want a rate for. One form gets rate comparisons direct from many companies. Just one form and you're done.
  • A slightly less efficient method to get quotes online is spending the time to visit the website for each individual company to complete their respective quote request forms. For examples sake, let's say you want comparison quotes from , and . To get each rate you have to take the time to go to each site and enter your policy data, which is why the first method is quicker.

    To view a list of companies in Jenkintown, click here.
  • The hardest way to get comparison rates is driving to insurance agents' offices. Buying insurance online has reduced the need for local agents unless you want the trained guidance that only a license agent can provide. Drivers can get the lowest quotes online and still use a local agent. We'll cover that shortly.

It doesn't matter which method you choose, just make darn sure you compare apples-to-apples information on every quote you get. If the quotes have higher or lower deductibles then you won't be able to determine which rate is truly the best in Jenkintown. Having just a slight variation in coverages may cause a big price difference. And when comparison shopping, obtaining a wide range of quotes gives you a better chance of getting the best price.

Save big with these discounts

Car insurance companies don't list all their discounts very well, so here is a list both the well known and also the lesser-known ways to save on auto insurance.

  • Auto/Life Discount - Companies who offer life insurance give a break if you buy life insurance.
  • College Student - Any of your kids who live away from home and do not have access to a covered vehicle may qualify for this discount.
  • Bundle and Save - When you combine your home and auto insurance with the same company you could get a discount of at least 10% off all policies.
  • Good Student Discount - A discount for being a good student can earn a discount of 20% or more. The discount lasts well after school through age 25.
  • Sign Online - A few companies may give you up to $50 for buying your policy online.
  • Senior Citizens - Mature drivers may be able to get better auto insurance rates.

As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Most only reduce specific coverage prices like collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, auto insurance companies aren't that generous.

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

But I don't know anything about car insurance

When choosing proper insurance coverage for your personal vehicles, there really is no perfect coverage plan. Every situation is different.

These are some specific questions may help you determine if your situation would benefit from professional advice.

  • When does my teenage driver need to be added to my policy?
  • Do I pay less if my vehicle is kept in my garage?
  • What are the best liability limits?
  • Do I need to file an SR-22 for a DUI in Pennsylvania?
  • Does medical payments coverage apply to all occupants?
  • Should I put collision coverage on all my vehicles?
  • Am I covered if I drive in a foreign country?
  • Should I buy only the required Pennsylvania minimum liability coverage?

If it's difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

More sites with auto insurance information

Even more information is available at the Pennsylvania Insurance Department website. Visitors are able to view agent and company licensing information, read enforcement actions against agents and companies, and file complaints about a company.

Additional helpful sites include Wikipedia and this page where you can research Jenkintown insurance agents.