How to Know You're Paying Too Much for Car Insurance in Kersey

No one in their right mind looks forward to paying for car insurance, especially when they are paying too much.

Online insurance companies like GEICO and Progressive constantly bombard you with ads and it can be hard to sift through the bull and take the time to shop coverage around.

It's important to compare prices occasionally because rates are constantly changing. If you had the best rates a year ago the chances are good that you can find a lower rate today. You'll find quite a bit of inaccurate information about car insurance online but I'm going to show you some great ways to save money.

Save big with these discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available to help offset the cost. Most are applied at the time you complete a quote, but some may not be applied and must be specifically requested prior to getting the savings.

  • Bundle and Save - When you combine your home and auto insurance with the same company you may earn approximately 10% to 15%.
  • Theft Prevention System - Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
  • Drivers Ed for Students - Have your child complete a driver education course in high school.
  • Federal Employees - Being employed by or retired from a federal job may qualify you for a discount with select insurance companies.
  • Good Student - A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
  • Memberships - Belonging to a civic or occupational organization could trigger savings on car insurance.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. A few only apply to individual premiums such as collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, car insurance companies aren't that generous. Any amount of discount will reduce your overall premium however.

To see a list of companies with the best car insurance discounts in Kersey, click this link.

Pennsylvania car insurance quotes

Finding Car Insurance in Kersey, PA

There are several ways to compare quotes from different Kersey insurance companies. The best method to find competitive insurance rates consists of shopping online. This can be done in just a few minutes using one of these methods.

  • The best way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This form eliminates the need for repetitive form submissions to each individual car insurance company. A single form will return price quotes from multiple companies.
  • Another way to get quotes online consists of visiting the website for each individual company and request a quote. For instance, let's say you want to compare , and . To find out each rate you need to go to every website to enter your coverage information, which is why the first method is more popular. To view a list of companies in Kersey, click here.

It doesn't matter which method you choose, just make absolute certain that you use exactly the same deductibles and coverage limits with every price quote. If your comparisons have different values for each quote it's impossible to find the best deal in Kersey. Having just a slight variation in coverages can result in a big premium difference. And when quoting car insurance, remember that comparing a large number of companies will improve the odds of getting better pricing.

How to Lower your Car Insurance Rates

An important part of buying insurance is that you know the rating factors that come into play when calculating your car insurance rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that may reward you with big savings.

The list below includes some of the items used by your company to calculate rates.

  • Big city or small town - Living in less populated areas can be a good thing when it comes to car insurance. Less people living in that area means a lower chance of having an accident and a lower car theft rate. Urban drivers have to deal with much more traffic to deal with and longer commute times. More time on the road means more change of being in an accident.
  • How many coverages with the same company - The majority of car insurance companies will give a discount to policyholders who carry more than one policy such as combining an auto and homeowners policy. Discounts can add up to ten or even up to twenty percent in some cases. Even if you're getting this discount you still need to compare rates to verify if the discount is saving money.
  • High numbers of claims are not good - If you are a frequent claim filer, you can look forward to higher rates. Car insurance companies in Pennsylvania give cheaper rates to insureds who do not file claims often. Insurance coverage is meant to be used in the event of larger claims.
  • How's your driving record? - Drivers who don't get tickets have lower premiums than people who have multiple driving citations. Only having one moving violation can bump up the cost twenty percent or more. Drivers who have severe citations such as DUI or reckless driving may need to file a SR-22 with their state motor vehicle department in order to drive a vehicle legally.

But I don't know anything about car insurance

When choosing coverage for your vehicles, there really is not a best way to insure your cars. Everyone's situation is a little different so this has to be addressed. These are some specific questions might point out if your situation could use an agent's help.

  • What is the difference between comprehensive and collision coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my cargo covered for damage or theft?
  • Am I covered if I drive in a foreign country?
  • Why am I required to buy high-risk coverage?
  • Do I qualify for additional discounts?
  • What companies insure drivers after a DUI or DWI?

If it's difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Car insurance ads bend the truth

Car insurance companies such as GEICO, State Farm and Progressive regularly use ads on TV and radio. They all seem to make the same claim about savings if you move your coverage to them. How can each company make the same claim?

All the different companies have a certain "appetite" for the type of customer that is profitable for them. A good example of a desirable insured could be over the age of 40, owns a home, and has excellent credit. A customer who matches those parameters receives the best rates and most likely will save when they switch companies.

Potential customers who fall outside the requirements will have to pay a more expensive rate which leads to business going elsewhere. Company advertisements say "customers that switch" not "people who quote" save that much money. That is how companies can truthfully make those claims.

Because of the profiling, drivers must get as many comparisons as possible. Because you never know which company will have the lowest rates.

Shop smart and save

While you're price shopping online, it's a bad idea to reduce coverage to reduce premium. In many instances, an insured cut collision coverage and discovered at claim time they didn't purchase enough coverage. The ultimate goal is to buy enough coverage at a price you can afford.

We just showed you many ideas to compare car insurance prices online. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the lowest premiums are with some of the lesser-known companies. These smaller insurers may have significantly lower rates on certain market segments than their larger competitors like .

Kersey car insurance quote

For more Pennsylvania car insurance information

Additional information can be read on the website for the Pennsylvania Insurance Department located here. Consumers can view agent and company licensing information, read consumer alerts, download brochures, and file complaints about a company.