Car Insurance in Landisville - 6 Ways to Save Money

Are you intimidated by the number of car insurance options in Landisville? You have a lot of company. Consumers have so many options that it can turn into a lot of work to compare prices.

It's important to price shop coverage every six months since rates are constantly changing. Even if you got the best deal a year ago there is a good chance you can find better rates now. So just block out anything you think you know about car insurance because we're going to show you the only way to lower your annual insurance bill.

If you have a current car insurance policy or need new coverage, you will benefit by learning to shop for the lowest rates and still get good coverage. This article will help educate you on how car insurance quotes work and some tricks to saving. Pennsylvania vehicle owners just need to know the proper way to compare rates over the internet.

Pennsylvania car insurance

How to Compare Car Insurance in Landisville, Pennsylvania

Reducing your insurance rates can be surprisingly simple. Consumers just need to take time comparing price quotes from different insurance companies. This is very easy and can be done using a couple different methods.

  1. The fastest way consumers can make multiple comparisons is a comparison rater form click here to open form in new window. This easy form prevents you from having to do repetitive form submissions for every car insurance company. Filling out one form gets rate comparisons from multiple companies. It's the fastest way to compare.
  2. A different way to shop for car insurance online is spending the time to visit each company website to complete their respective quote request forms. For instance, let's assume you want to compare rates from , and . To get rate quotes you would need to go to every website and enter your policy data, which is why the first method is more popular.

    For a list of links to companies insuring cars in Landisville, click here.
  3. The least recommended method to get comparison rates is driving around to different Landisville agent offices. The ability to buy insurance online eliminates the need for an insurance agent unless you require the personal advice of a local Landisville agent. However, consumers can find lower rates online but buy from a local insurance agent and we'll cover that in a bit.

It's your choice how you get your quotes, but ensure you are comparing the exact same information on every quote you get. If you are comparing higher or lower deductibles it's not possible to determine which rate is truly the best in Landisville.

Policy discounts you shouldn't miss

Companies that sell car insurance don't list every available discount in an easy-to-find place, so here is a list some of the more common as well as the least known savings tricks you should be using. If they aren't giving you every credit possible, you are paying more than you should be.

  • Discount for Good Grades - This discount can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Multiple Vehicles - Buying insurance for multiple vehicles with the same company may reduce the rate for each vehicle.
  • Life Insurance - Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
  • Driver Safety - Completing a driver safety course could possibly earn you a 5% discount if your company offers it.
  • Anti-theft Discount - Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
  • Military Discounts - Being on active duty in the military may qualify for rate reductions.

Drivers should understand that most discounts do not apply to all coverage premiums. The majority will only reduce individual premiums such as medical payments or collision. So despite the fact that it appears you can get free auto insurance, companies wouldn't make money that way.

To choose providers who offer car insurance discounts in Landisville, click here to view.

Save $429 a year? Really?

Consumers can't ignore all the ads that promise big savings from companies such as State Farm and Allstate. All the ads make an identical promise that you'll save big after switching your policy.

How do they all make the same claim?

All companies are able to cherry pick for the right customer that makes them money. An example of a preferred risk could be between 25 and 40, has no driving citations, and has excellent credit. Any new insured who meets those qualifications gets the lowest rates and is almost guaranteed to cut their rates substantially.

Drivers who don't qualify for the "perfect" profile will be charged a higher premium and ends up with business going elsewhere. Company advertisements say "customers that switch" but not "drivers who get quotes" save that kind of money. That's the way companies can make those claims. That is why you need to get quotes from several different companies. It's just too difficult to predict which car insurance company will have the lowest rates.

More detailed Pennsylvania car insurance information is available at the Pennsylvania Insurance Department website. Consumers can file complaints about a company, report car insurance fraud, and file complaints about an insurance agent or broker.

In the end, you save

You just learned many tips how you can compare car insurance prices online. The most important thing to understand is the more you quote, the better likelihood of reducing your rate. Consumers could even find that the most savings is with the least-expected company.

Budget-conscious car insurance can be purchased from both online companies in addition to many Landisville insurance agents, so you should compare both to have the best selection. Some companies do not provide online price quotes and many times these smaller companies only sell through independent insurance agents.

While you're price shopping online, you should never reduce coverage to reduce premium. There have been many cases where someone sacrificed comprehensive coverage or liability limits to discover at claim time they didn't purchase enough coverage. Your goal should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.