Car Insurance in Kittanning Pennsylvania - 7 Tips to Save Money

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Trust us when we tell you you're not the only one.

Drivers have so many to pick from, and even though it's nice to be able to choose, too many choices makes it more difficult to compare rates.

Quick Kittanning Car Insurance Quotes

All major car insurance companies like Allstate, GEICO and Progressive provide price estimates on the web. Getting quotes is quite simple as you just enter the coverage amounts you desire as detailed in the form. After the form is submitted, their rating system will obtain information on your driving record and credit history and generates pricing information determined by many factors. This streamlines rate comparisons, but the time it takes to visit multiple sites and enter the same data into a form is not the best way to spend an afternoon. But it's very important to do this if you want to find better car insurance pricing.

The preferred way to find better car insurance pricing is to use a quote form to get prices from a bunch of companies at once. The form is fast, requires much less work on your part, and makes online shopping much more enjoyable and efficient. After sending your information, it gets priced and you can select any one of the resulting price quotes. If you find a better price you simply finish the application and buy the new coverage. The whole process can be completed in a matter of minutes and you will find out if you're overpaying now.

To find out what other companies charge, click here to open in new window and input your coverage information. If you have your current policy handy, we recommend you copy deductibles and limits as close as possible to your current policy. This makes sure you will be getting a rate comparison for the exact same coverage.

These seven discounts can lower your rates

Companies that sell car insurance don't list all available discounts very clearly, so the following is a list of some of the more common and also the lesser-known car insurance savings.

  • Organization Discounts - Belonging to a qualifying organization could qualify you for a break when buying car insurance.
  • Driver Safety - Taking part in a driver safety course could possibly earn you a 5% discount if your company offers it.
  • Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Auto/Home Discount - If you insure your home and vehicles with one insurance company you may save approximately 10% to 15%.
  • Theft Prevention System - Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Claim Free - Drivers with accident-free driving histories pay less when compared with accident-prone drivers.
  • Homeowners Discount - Owning a home in Kittanning may trigger a car insurance policy discount due to the fact that maintaining a home demonstrates responsibility.

A little note about advertised discounts, most credits do not apply the the whole policy. Most only cut specific coverage prices like physical damage coverage or medical payments. Even though it may seem like having all the discounts means you get insurance for free, you won't be that lucky.

To choose insurers who offer car insurance discounts in Pennsylvania, follow this link.

Are you falling for claims of savings?

Allstate, GEICO and Progressive continually stream ads on television and other media. All the companies say the same thing about savings after switching your coverage to them. How does each company make the same claim? It's all in the numbers.

All the different companies are able to cherry pick for the type of customer that makes them money. A good example of a profitable customer could be between 25 and 40, has no tickets, and has great credit. Any new insured who fits that profile will qualify for the lowest rates and as a result will probably save when switching.

Potential insureds who are not a match for these standards must pay more money which usually ends up with business going elsewhere. The ad wording is "customers who switch" not "everybody who quotes" save that much money. That's the way companies can truthfully advertise the savings. This illustrates why you need to get quotes from several different companies. It's just too difficult to predict which car insurance company will fit your personal profile best.

Even more information can be read at the Pennsylvania Insurance Department website. Consumers can find out which companies have the most complaints, discover disciplinary actions, view agent and company licensing information, and read consumer alerts.

Other informative sites include this link for Pennsylvania car insurance quotes and this link which helps you find a Kittanning agent.

car insurance in Kittanning

Shop smart and save

Cheaper car insurance can be purchased from both online companies as well as from independent agents in Kittanning, so you should compare both to have the best chance of lowering rates. There are still a few companies who don't offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

When you buy insurance online, make sure you don't reduce coverage to reduce premium. In too many instances, an insured dropped collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your focus should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.