How to Know You're Spending Too Much for Auto Insurance in Jonestown

Having to pay for overpriced auto insurance can take a big chunk out of your personal savings and put a big crunch on your finances. Comparing price quotes is free, only takes a few minutes, and is a good way to make sure you're not throwing money away.

Big companies like State Farm, Allstate, GEICO and Progressive increase brand awareness with TV and radio ads and consumers find it hard to sift through the bull and do the work needed to find the best deal.

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using this information. Finding affordable coverage in Jonestown is quite easy. Nevertheless, Pennsylvania drivers do need to know the way insurance companies compete online because it can help you find the best coverage.

Policy discounts you shouldn't miss

Companies do not advertise all available discounts in a way that's easy to find, so we researched both well-publicized and the more hidden savings tricks you should be using.

Driver Safety - Successfully completing a course in driver safety could cut 5% off your bill if you qualify.
Student in College - Kids in college who are attending college and do not have access to a covered vehicle can receive lower rates.
Save over 55 - If you qualify as a senior citizen, you may be able to get a small decrease in premiums.
Payment Method - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
Clubs and Organizations - Participating in a civic or occupational organization is a good way to get lower rates when buying auto insurance.
Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to enroll in driver's education if it's offered in school.
Claim Free - Drivers who don't have accidents pay much less when compared with drivers who are more careless.

It's important to understand that most discounts do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, it doesn't quite work that way.

Insurance agents can help

When it comes to buying the best auto insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone's needs are different so your insurance should reflect that For example, these questions may help you determine whether your personal situation would benefit from professional advice.

Should I rate my vehicle as pleasure use or commute?
Why does it cost so much to insure a teen driver in Jonestown?
Should I buy additional glass protection?
Do I have any recourse if my insurance company denies a claim?
Are rental cars covered under my policy?
Am I getting all the discounts available?
Is my cargo covered for damage or theft?
Do I qualify for additional discounts?

If you're not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don't have a local agent, simply complete this short form or go to this page to view a list of companies.

Save $429 a year? Really?

21st Century, Allstate and State Farm continually stream television and radio advertisements. All the companies make an identical promise of big savings after switching your coverage to them. How can each company make almost identical claims?

Insurance companies have a preferred profile for the type of customer that earns them a profit. For instance, a profitable customer could possibly be a mature driver, insures multiple vehicles, and drives less than 10,000 miles a year. A customer getting a price quote who meets those qualifications will get very good rates and is almost guaranteed to save when they switch companies.

Consumers who don't qualify for the requirements must pay higher rates and ends up with the driver buying from a lower-cost company. The ads say "people who switch" but not "drivers who get quotes" save that much money. This is how insurance companies can confidently advertise the way they do. This illustrates why you should compare many company's rates. It's impossible to know which insurance companies will provide you with the cheapest rates.

More sites with auto insurance information

More tips and info about auto insurance is located at the Pennsylvania Insurance Department website. Pennsylvania consumers can discover disciplinary actions, read enforcement actions against agents and companies, learn about insurance regulations, and view a list of available companies.

Affordable insurance is out there

Low-cost auto insurance can be bought online as well as from independent agents in Jonestown, and you need to price shop both to get a complete price analysis. Some auto insurance companies don't offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, it's not a good idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where drivers have reduced collision coverage and learned later that the savings was not a smart move. The proper strategy is to find the BEST coverage at an affordable rate while not skimping on critical coverages.