How to Know You're Throwing Money Away for Car Insurance in Landenberg

Have you had enough of scraping the payment together each month for car insurance? Your situation is no different than many other Pennsylvania drivers.

Drivers have so many to buy insurance from, and although it's a good thing to have a selection, too many choices makes it more difficult to compare rates.

Take advantage of discounts

Companies that sell car insurance don't always advertise all available discounts very clearly, so here is a list both the well known and also the lesser-known ways to save on car insurance.

  • Memberships - Being a member of a qualifying organization could trigger savings when buying car insurance.
  • Drivers Education - Have your child enroll in driver's education in high school.
  • Claim Free - Claim-free drivers can earn big discounts when compared with bad drivers.
  • Paperless Signup - Certain companies may give you up to $50 just for signing your application over the internet.
  • Senior Citizens - Mature drivers can possibly qualify for a small decrease in premiums.

It's important to note that most discount credits are not given to the entire cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like it's possible to get free car insurance, you're out of luck.

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

Compare the Market for Car Insurance in Landenberg

There are several ways of comparing rates and find the best price. The best method to find the lowest rates involves getting comparison quotes online. This can be done using a couple different methods.

  • The best way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This form saves time by eliminating boring form submissions for every car insurance company. Taking the time to complete one form gets you coverage quotes from all major companies.
  • A slightly less efficient method to compare rate quotes consists of going to each individual company website to complete a price quote. For sake of this example, let's assume you want rates from , and . To get rate quotes you would need to spend time on each company's site to enter your coverage information, which is why the first method is quicker.

    To view a list of companies in Landenberg, click here.
  • The hardest way of comparing rate quotes is to spend your day driving to insurance agents' offices. Shopping for car insurance online has reduced the need for local agents unless you want the professional advice of a local Landenberg agent. Drivers can obtain prices from the web and still use a local agent and you'll learn how to do that later.

It's up to you how you get prices quotes, just double check that you are using identical coverages with each company. If each company quotes different limits and deductibles on each one you can't possibly make an equal comparison in Landenberg. Having just a slight variation in limits can result in a big premium difference. It's important to know that comparing a large number of companies helps locate lower 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 the rates you pay for car insurance. Knowing what influences your rates empowers consumers to make smart changes that could result in lower car insurance prices.

  • Liability insurance protects assets - The liability section of your policy will protect you if you are found liable for personal injury or accident damage. It will provide legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
  • An active claims history can cost you - If you are a frequent claim filer, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance companies in Pennsylvania give lower rates to drivers who do not file claims often. Auto insurance is intended for major claims that would cause financial hardship.
  • Rates may be higher depending on your occupation - Occupations such as doctors, executives and financial analysts have higher average rates due to high stress and lengthy work days. Conversely, professions such as farmers, engineers and the unemployed get better rates.
  • Discounts for married couples - Being married actually saves money on your car insurance policy. Having a spouse translates into being more mature and statistics show drivers who are married are more cautious.
  • Mature drivers pay less - Youthful drivers in Pennsylvania tend to get distracted easily in a vehicle so they pay higher car insurance rates. Mature drivers are more responsible, tend to file fewer claims and receive fewer citations.
  • Save money with special equipment - Driving a car with a theft deterrent system can get you a discount on your car insurance. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder your vehicle from being stolen.
  • Do you know you're credit rating? - A driver's credit rating is a big factor in your rate calculation. People with excellent credit tend to be more responsible than drivers who have poor credit. So if your credit score can use some improvement, you could pay less to insure your by spending a little time repairing your credit.

Are car insurance companies telling the truth?

Allstate, GEICO and Progressive regularly use ads on TV and radio. All the companies make the same claim that you can save if you move your coverage to them. How does each company claim to save you money? It's all in the numbers.

All companies can use profiling for the type of customer that is profitable for them. An example of a profitable customer might be between the ages of 40 and 55, has no tickets, and has a high credit rating. Any driver who matches those parameters will qualify for the lowest rates and most likely will save when switching.

Potential insureds who don't qualify for these standards must pay more money which leads to the customer not buying. The ad wording is "customers who switch" not "people who quote" save that much money. That's why insurance companies can state the savings. This illustrates why drivers must get quotes from several different companies. You cannot predict the company that will have the lowest rates.

Affordable insurance is out there

Lower-priced car insurance is definitely available both online as well as from independent agents in Landenberg, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies don't offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

As you restructure your insurance plan, never reduce coverage to reduce premium. In too many instances, an insured dropped comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your focus should be to get the best coverage possible at the best price while not skimping on critical coverages.

compare Landenberg car insurance rates

Additional detailed information is available at the Pennsylvania Insurance Department website. Visitors are able to find out which companies have the most complaints, download brochures, read industry bulletins, and get help finding coverage.