Easy Ways to Save Money on Kutztown Auto Insurance

Are you intimidated by the crazy number of auto insurance options in Kutztown? Many other drivers are as well. Consumers have so many choices that it can turn into a lot of work to find the best price.

It's important to price shop coverage every six months since insurance rates are constantly changing. Just because you had the best price two years ago you will most likely find a better rate today. Ignore everything you know about auto insurance because I'm going to let you in on the secrets to the proper way to properly buy coverages while reducing your premium.

Policy discounts you shouldn't miss

The price of auto insurance can be rather high, buy you may qualify for discounts that you may not even be aware of. Some trigger automatically at quote time, but a few need to be specially asked for in order for you to get them. If they aren't giving you every credit possible, you are throwing money away.

  • Life Insurance - Companies who offer life insurance give lower rates if you buy life insurance from them.
  • Homeowners Discount - Owning a house in Kutztown can help you save on auto insurance because owning a home is proof that your finances are in order.
  • Passive Restraints - Factory air bags and/or automatic seat belt systems can get savings of 20% or more.
  • Drive Less and Save - Driving fewer miles can earn discounted rates on garaged vehicles.
  • Student Driver Training - Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
  • Payment Discounts - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. The majority will only reduce specific coverage prices like collision or personal injury protection. So when it seems like you could get a free auto insurance policy, you won't be that lucky. Any amount of discount will cut the amount you have to pay.

Pennsylvania auto insurance quotes

Save $429 a year? Really?

Pennsylvania drivers get pounded daily by advertisements that promise big savings from companies such as GEICO, State Farm and Progressive. They all seem to make an identical promise about savings if you switch your policy.

How do they all say the same thing? It's all in the numbers.

Different companies are able to cherry pick for the right customer that earns them a profit. For example, a desirable insured might be profiled as between 25 and 40, has no driving citations, and chooses high deductibles. A propective insured who meets those qualifications gets the lowest rates and is almost guaranteed to cut their rates substantially.

Potential insureds who don't qualify for the "perfect" profile will have to pay more money and ends up with business not being written. Company advertisements say "customers who switch" but not "drivers who get quotes" save that kind of money. That's the way companies can truthfully state the savings.

Because of the profiling, you should compare many company's rates. It's not possible to predict which auto insurance company will give you the biggest savings.

Additional information can be found on the Pennsylvania Insurance Department website found here. Pennsylvania drivers can file complaints about an insurance agent or broker, report car insurance fraud, and file complaints about a company.

A tidy conclusion

When buying insurance coverage, you should never buy lower coverage limits just to save a few bucks. In many instances, someone sacrificed physical damage coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy the best coverage you can find at the best price.

Cheaper auto insurance is available on the web in addition to many Kutztown insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance companies do not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

In this article, we covered some good ideas how you can reduce auto insurance prices online. The key thing to remember is the more rate quotes you have, the higher your chance of finding lower rates. Consumers may even find the most savings is with a small mutual company.