Lawrenceville Auto Insurance For Less Than You're Paying Now

Finding lower premiums on Lawrenceville auto insurance is hard for people who are new to comparison shopping online. There are so many choices that it can be a ton of work to find lower rates in Lawrenceville.

It's important to check auto insurance prices before your policy renews because prices are constantly changing. Just because you found the lowest price a few years ago you may be paying too much now. You can find a lot of misleading information regarding auto insurance online but I'm going to show you some great ways to slash your auto insurance rates.

Compare Lawrenceville Auto Insurance Costs

There are several ways of comparing rates and find the best price. The recommended way to find competitive insurance rates is to perform an online rate comparison. This can be accomplished using a couple different methods.

The first (and easiest) way to get quotes is to use a rate comparison form click to view form in new window. This method eliminates the need for repetitive form entry for every auto insurance company. In just a few minutes this one form gets you price quotes direct from many companies. This is by far the quickest method.

A slightly less efficient method to compare rate quotes requires visiting the website for each individual company and fill out their own quote form. For instance, let's say you want rates from , and . To get rate quotes you would need to go to every website and enter your policy data, and that's why the first method is more popular. To view a list of companies in Lawrenceville, click here.

Whichever way you use, ensure you're using apples-to-apples quote information for every quote you compare. If your comparisons have mixed coverages it will be very difficult to determine the best price in Lawrenceville. Just a small difference in coverages can make a big difference in price. And when price shopping your coverage, quoting more provides better odds of finding the best offered rates.

What determines how much you pay?

It's important that you understand some of the elements that help determine the rates you pay for auto insurance. When you know what positively or negatively impacts premium levels allows you to make educated decisions that may reward you with lower auto insurance prices.

Lower miles equals lower premium - Driving more miles every year the more you will pay for auto insurance. Most companies charge to insure your cars based upon how you use the vehicle. Vehicles left parked in the garage receive lower rates than those used for commuting. Make sure your auto insurance coverage properly reflects the proper vehicle usage, because improper ratings can cost you money.
Occupation reflects on rates - Did you know your occupation can influence how much you pay for auto insurance? Jobs such as judges, architects and stock brokers tend to pay the highest rates in part from high stress levels and lengthy work days. On the other hand, professions such as farmers, students and performers have the lowest average rates.
Women pay lower rates - The statistics show women tend to be less risk to insure than men. However, this does not mean women are better drivers. Women and men tend to get into accidents in similar numbers, but the males have costlier accidents. They also get cited for more serious violations like DUI and reckless driving. Youthful male drivers tend to get in the most accidents and thus pay the highest rates.
Discounts for multiple policies - Many companies will give a discount to insureds who carry more than one policy, otherwise known as a multi-policy discount. Even if you're getting this discount it's in your best interest to shop around to make sure you are getting the best deal. You may still find better rates by insuring with multiple companies.
Better credit means lower rates - Credit history is a huge factor in your rate calculation. So if your credit score is not that good, you could be paying less to insure your by improving your rating. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers who have lower credit scores.
Where you live can impact rates - Being located in a rural area can be a good thing when talking about auto insurance. City drivers have to deal with much more traffic and longer commute times. Lower population means fewer accidents as well as less vandalism and auto theft.
Your car's features help determine rates - Driving a car with anti-theft technology or alarm system can help lower your rates. Theft prevention features like GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder your car from being stolen.
Little extras can really add up - There are a ton of extra bells and whistles that you can buy when buying auto insurance. Things like roadside assistance, towing coverage and motor club memberships are examples of these. These may sound like a good investment when talking to your agent, but if you don't need them remove them from your policy.

Take advantage of discounts

The price of auto insurance can be rather high, but there are discounts available that you may not know about. Larger premium reductions will be automatically applied at the time of purchase, but a few must be manually applied prior to receiving the credit.

Save with a New Car - Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
Accident Free - Claim-free drivers pay much less as compared to frequent claim filers.
One Accident Forgiven - Some insurance companies will allow you to have one accident without raising rates as long as you don't have any claims prior to the accident.
Anti-theft Discount - Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
Passive Restraints and Air Bags - Factory air bags can receive discounts of 20% or more.
Bundle and Save - When you have multiple policies with the same company you will save up to 20% off your total premium.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you can get free auto insurance, you won't be that lucky. Any amount of discount will help reduce your overall premium however.

For a list of companies who offer auto insurance discounts in Pennsylvania, follow this link.

Additional information is located on the Pennsylvania Insurance Department website. Click here for link. Visitors are able to file complaints about an insurance agent or broker, read industry bulletins, and learn about insurance regulations.

Other useful links include Auto Insurance 101 and this page where you can research Lawrenceville insurance agents.

Affordable insurance is out there

As you shop your coverage around, do not reduce needed coverages to save money. In many instances, an accident victim reduced collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy enough coverage for the lowest price.

Consumers change insurance companies for any number of reasons including delays in paying claims, high rates after DUI convictions, denial of a claim and policy cancellation. No matter why you want to switch, switching auto insurance companies is not as hard as you think.

Cheaper auto insurance can be sourced both online and with local Lawrenceville insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance providers do not offer online quoting and most of the time these small, regional companies sell through independent agents.