Lower Online Lansford Auto Insurance Prices With These Methods

If you are a novice to online auto insurance shopping, it's easy to get confused by the vast number of auto insurance companies all offering big savings in Lansford.

Policy discounts you shouldn't miss

Companies don't always advertise all available discounts in a way that's easy to find, so we took the time to find both well-publicized and the harder-to-find savings tricks you should be using.

  • Safety Course Discount - Successfully completing a course in driver safety can save you 5% or more if you qualify.
  • Theft Prevention Discount - Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Fewer Miles Equal More Savings - Low mileage vehicles can earn discounted rates on garaged vehicles.
  • Pay Now and Pay Less - If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
  • Multiple Cars - Buying insurance for all your vehicles on one policy qualifies for this discount.
  • Homeowners Savings - Owning a home in Lansford can help you save on auto insurance because maintaining a house is proof that your finances are in order.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Most only cut the price of certain insurance coverages like liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, you won't be that lucky.

auto insurance in Lansford

Insurance agents can help

When it comes to buying the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone's situation is unique.

For example, these questions might point out whether your personal situation may require specific advice.

  • Do I really need UM/UIM coverage?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Is my dog or cat covered if injured in an accident?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered if I wreck a rental car?
  • Does my policy cover my teen driver if they drive my company car?
  • What can I do if my company won't pay a claim?

If you're not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Save $429 a year? Really?

21st Century, Allstate and State Farm consistently run television and radio advertisements. All the companies make an identical promise about savings if you change to their company. How can each company make almost identical claims? This is how they do it.

Insurance companies have a certain "appetite" for the driver that earns them a profit. For example, a profitable customer could possibly be over the age of 50, owns a home, and drives less than 10,000 miles a year. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Potential insureds who don't qualify for the requirements must pay more money and ends up with the driver buying from a lower-cost company. The ad wording is "drivers who switch" but not "drivers who get quotes" save that much. That is how companies can truthfully advertise the way they do. This illustrates why you should compare many company's rates. It's impossible to know which company will provide you with the cheapest rates.

For more Pennsylvania car insurance information

Even more information can be found at the Pennsylvania Insurance Department website. Pennsylvania consumers can discover disciplinary actions, read consumer alerts, and find disaster information.

Lansford auto insurance quote

Affordable insurance is out there

Cheaper auto insurance is attainable online and also from your neighborhood Lansford agents, and you should be comparing both in order to have the best chance of saving money. Some auto insurance companies may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

As you go through the steps to switch your coverage, it's not a good idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut physical damage coverage only to discover later that the savings was not a smart move. The proper strategy is to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

People leave their current company for any number of reasons including questionable increases in premium, policy non-renewal, delays in responding to claim requests and even extreme rates for teen drivers. No matter why you want to switch, switching auto insurance companies is less work than it seems.