Tightwads Guide to Saving on Lemoyne Car Insurance

Having to pay for overpriced car insurance can dwindle your savings account and force you to make sacrifices. Comparing price quotes is a smart way to tighten up your finances.

With so many insurance companies to choose from, it can be diffult for consumers to locate the lowest price company.

It's important to compare prices quite often due to the fact that insurance rates are constantly changing. Even if you think you had the lowest price a few years ago you will most likely find a better rate today. There is a lot of wrong information about car insurance on the internet, so we're going to give you some great ways to put money back in your pocket.

This article will help you learn the best way to quote coverages. If you have car insurance now, you stand a good chance to be able to cut costs considerably using this information. Nevertheless, Pennsylvania consumers do need to know the methods companies use to market insurance on the web because it can help you find the best coverage.

How much can you save with discounts?

Car insurance is not cheap, but discounts can save money and there are some available to help bring down the price. Most are applied at quote time, but a few must be manually applied in order for you to get them.

  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
  • Senior Citizens - If you qualify as a senior citizen, you may receive a small decrease in premiums.
  • Safety Course Discount - Completing a defensive driving course could cut 5% off your bill if you qualify.
  • Good Student Discount - Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Clubs and Organizations - Being a member of a professional or civic organization could qualify you for a break on your policy.
  • Low Mileage - Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
  • Pay Now and Pay Less - If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.

It's important to understand that most credits do not apply to the overall cost of the policy. A few only apply to individual premiums such as comprehensive or collision. So when the math indicates you can get free auto insurance, it doesn't quite work that way. Any qualifying discounts will help reduce the amount you have to pay.

Lemoyne car insurance quote

How much car insurance do I need?

When it comes to buying the best car insurance coverage for your personal vehicles, there really is no perfect coverage plan. Everyone's situation is a little different and a cookie cutter policy won't apply. For example, these questions may help you determine if your insurance needs could use an agent's help.

  • Do I need PIP (personal injury protection) coverage in Pennsylvania?
  • Should I buy additional glass protection?
  • Should I have combined single limit or split liability limits?
  • Do I need to file an SR-22 for a DUI in Pennsylvania?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Do I qualify for additional discounts?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my dog or cat covered if injured in an accident?

If you don't know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

Save 15 percent in 15 minutes? Is it for real?

Companies like Allstate and Progressive consistently run television and radio advertisements. All the ads say the same thing of big savings if you change your coverage to them. But how can every company claim to save you money?

All companies have a preferred profile for the type of customer that earns them a profit. For instance, a preferred risk might be over the age of 40, insures multiple vehicles, and drives less than 7,500 miles a year. Any driver who fits that profile receives the best rates and is almost guaranteed to save a lot of money.

Potential insureds who don't meet this ideal profile will be charged more money which usually ends up with the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much money. This is how insurance companies can confidently advertise the way they do.

That is why you should get quotes from several different companies. You cannot predict which insurance companies will provide you with the cheapest rates.

Additional car insurance information is located on the website for the Pennsylvania Insurance Department located here. Visitors are able to read consumer alerts, learn about insurance regulations, discover disciplinary actions, and file complaints about a company.

Also read more on BankRate.com's Car Insurance: When not to Skimp and this directory of Lemoyne insurance agents.

Lemoyne car insurance comparison

Shop smart and save

When shopping online for car insurance, don't be tempted to buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. The aim is to buy enough coverage at a price you can afford, not the least amount of coverage.

Low-cost car insurance is attainable both online as well as from independent agents in Lemoyne, and you need to comparison shop both in order to have the best chance of saving money. Some car insurance companies don't offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.