Top 10 Ways You Can Buy Car Insurance for Less in Lansdowne Pennsylvania

Are you sick and tired of being strong-armed each month for car insurance? Your situation is no different than most other car owners in Pennsylvania. Drivers have multiple to buy insurance from, and though it is a good thing to be able to choose, it can be more challenging to compare rates.

It's important to take a look at other company's rates before your policy renews since rates are constantly changing. Just because you found the lowest price last year you can probably find a better price now. Forget all the misinformation about car insurance because we're going to demonstrate how to use online quotes to properly buy coverages while reducing your premium.

The purpose of this article is to let you in on the best way to quote coverages and some tips to save money. If you currently have car insurance, you stand a good chance to be able to cut costs considerably using this information. Pennsylvania vehicle owners just need to know how to compare company rates over the internet.

Lansdowne car insurance comparison

Be sure to get all your discounts

The cost of insuring your cars can be expensive, but you can get discounts that you may not know about. Most are applied when you get a quote, but less common discounts must be asked for before you will receive the discount. If you're not getting every credit available, you are paying more than you should be.

  • 55 and Retired - If you're over the age of 55, you may be able to get better car insurance rates.
  • No Accidents - Claim-free drivers pay much less as compared to accident-prone drivers.
  • Sign Online - Some insurance companies will give a small break for buying a policy and signing up over the internet.
  • One Accident Forgiven - Certain companies allow you one accident before hitting you with a surcharge as long as you don't have any claims for a certain period of time.
  • Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
  • New Car Discount - Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
  • Passive Restraints - Factory air bags may earn rate discounts of more than 20%.
  • Driver Safety - Taking a driver safety course could save 5% or more if your company offers it.
  • Payment Method - If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
  • Anti-theft System - Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.

Consumers should know that most credits do not apply to the entire cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, companies don't profit that way. But all discounts will bring down the amount you have to pay.

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

Is there truth in advertising?

Consumers can't ignore all the ads for the lowest price auto insurance by Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing that you'll save big after switching to their company.

How does each company make the same claim? It's all in the numbers.

Different companies can use profiling for the driver that makes them money. For instance, a desirable insured could be over the age of 40, is a homeowner, and drives newer vehicles. Any new insured who fits that profile gets the lowest rates and is almost guaranteed to save when switching.

Drivers who don't measure up to these standards will have to pay higher premiums which usually ends up with business going elsewhere. Company advertisements say "customers who switch" but not "drivers who get quotes" save that much. That's why companies can claim big savings.

Because of the profiling, you should get quotes from several different companies. It's just too difficult to predict the company that will give you the biggest savings.

Much more information about car insurance in Pennsylvania is located on the website for the Pennsylvania Insurance Department found here. Consumers can learn about insurance regulations, read industry bulletins, get help finding coverage, and read consumer alerts.

In the end, you save

When trying to cut insurance costs, never buy poor coverage just to save money. There are many occasions where an accident victim reduced liability coverage limits only to discover later that it was a big mistake. Your aim should be to buy the best coverage you can find at the best price.

Discount car insurance can be sourced from both online companies and also from your neighborhood Lansdowne agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies may not provide online price quotes and most of the time these small, regional companies sell through independent agents.