7 Ways You Can Buy Car Insurance for Less in Ligonier Pennsylvania

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Believe me, there are lots of people in the same boat.

Multiple compete for your business, so it can be very hard to choose a to get the lowest rate

How to Compare Ligonier Car Insurance Costs

Effectively comparing car insurance prices can be challenging if you don't understand the best way to get rate quotes. You can spend your afternoon talking to local insurance agents in Ligonier, or you could save time and use the web to get pricing more quickly.

Most of the larger companies are enrolled in a marketplace that allows shoppers to submit one quote, and each participating company returns a competitive quote. This system prevents you from having to do quote forms to each individual car insurance company.

To submit your quote information now, click here to open in new window.

One minor caviat to comparing rates this way is that consumers can't choose which providers to get quotes from. So if you want to select specific providers to request quotes from, we have assembled a list of car insurance companies in Pennsylvania. Click to view list.

It doesn't matter which method you choose, just compare the exact same quote information on every quote you get. If you compare mixed coverages it will be impossible to determine which rate is truly the best in Ligonier. Having just a slight variation in limits may result in large price differences. Just keep in mind that comparing more company's prices will increase your chances of finding the best offered rates.

Be sure to get all your discounts

Properly insuring your vehicles can get expensive, buy you may qualify for discounts that you may not know about. A few discounts will automatically apply when you quote, but less common discounts must be asked for before you get the savings.

  • Claim Free - Drivers with accident-free driving histories can save substantially when compared to accident-prone drivers.
  • Low Mileage Discounts - Fewer annual miles can earn better rates on cars that stay parked.
  • Paperwork-free - Certain companies may give you up to $50 just for signing your application on their website.
  • Driver Safety - Completing a defensive driving course could possibly earn you a 5% discount if your company offers it.
  • Auto/Life Discount - Some companies give lower rates if you buy a life insurance policy as well.
  • Multiple Vehicles - Buying insurance for multiple vehicles with the same company may reduce the rate for each vehicle.
  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.

It's important to note that many deductions do not apply the the whole policy. Most cut individual premiums such as comp or med pay. So even though they make it sound like you can get free auto insurance, you're out of luck. But any discount will cut the amount you have to pay.

To choose insurance companies who offer car insurance discounts in Ligonier, click this link.

Is there truth in advertising?

Car insurance providers like Progressive, Allstate and GEICO continually stream television and radio advertisements. They all make the same claim that you can save after switching your coverage to them. How do they all claim to save you money?

All companies are able to cherry pick for the type of customer that makes them money. For example, a driver they prefer might be between 30 and 50, has no tickets, and has great credit. Any new insured who matches those parameters gets the lowest rates and is almost guaranteed to cut their rates substantially.

Drivers who don't measure up to the "perfect" profile will be quoted a higher premium which leads to the customer not buying. The ads say "customers that switch" but not "drivers who get quotes" save that much money. That's the way insurance companies can advertise the savings.

This emphasizes why you need to get as many quotes as possible. It's just too difficult to predict which car insurance company will give you the biggest savings.

More information can be found on the website for the Pennsylvania Insurance Department located here. Visitors are able to read industry bulletins, discover disciplinary actions, get help finding coverage, and file complaints about an insurance agent or broker.

car insurance in Ligonier

Do the work, save more money

Lower-priced car insurance can be sourced both online as well as from independent agents in Ligonier, so compare prices from both to have the best selection. There are still a few companies who don't offer online price quotes and these regional insurance providers work with independent agents.

As you prepare to switch companies, you should never reduce coverage to reduce premium. There are too many instances where an insured dropped physical damage coverage only to discover later that the small savings ended up costing them much more. Your strategy should be to purchase plenty of coverage at a price you can afford while still protecting your assets.