Tightwads Guide to Saving on Limerick Auto Insurance

Are you tired of not being able to afford each month for car insurance? You're in the same situation as the majority of other car owners in Pennsylvania.

With consumers having so many options when it comes to auto insurance, it can be diffult for consumers to choose the best company.

This information will instruct you on the best way to quote coverages. If you currently have a car insurance policy, you will be able to cut costs considerably using this strategy. But Pennsylvania consumers do need to know the way insurance companies price online insurance because it can help you find the best coverage.

Comprehensive Auto Insurance Comparison in Limerick

Most major insurance companies give insurance quotes on their websites. This process doesn't take much effort as you simply type in the amount of coverage you want as detailed in the form. Behind the scenes, the system will obtain information on your driving record and credit history and returns pricing information based on many factors. This makes it a lot easier to compare rates but the time it takes to visit several different sites and type in the same information can be a bit repetitive. But it's very important to compare as many rates as possible in order to get the best price on auto insurance.

A less time-consuming method to find cheaper rates uses one form to obtain quotes from several companies at one time. The form is fast, requires much less work on your part, and makes online quotes much more efficient. As soon as you send your information, your coverage is rated and you can choose any or none of the returned quotes.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. This process can be completed in a matter of minutes and may result in a nice savings.

To find out if lower rates are available, click here to open in new window and begin entering your coverage information. If you have coverage now, it's recommended you type in the coverages identical to your current policy. This way, you will have comparison quotes based on similar coverages.

Understand what determines the rate you pay

It's important that you understand the factors that go into determining the rates you pay for auto insurance. When you know what positively or negatively controls the rates you pay helps enable you to make changes that will entitle you to much lower annual insurance costs.

Listed below are a partial list of the pieces that factor into prices.

Your job and insurance rates - Did you know your occupation can influence how much you pay for auto insurance? Careers like judges, social workers and stock brokers are shown to have the highest rates in part from stressful work requirements and long work days. On the other hand, occupations such as farmers, students and homemakers pay the least.
Lower rates with optional equipment - Driving a car with anti-theft technology or alarm system can help lower your rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft.
Clean credit earns discounts - Having a bad credit score is a huge factor in your rate calculation. If your credit score is lower than you'd like, you could be paying less to insure your by improving your rating. Consumers who have high credit ratings tend to be less risk to insure as compared to drivers with poor credit.
Consolidate policies to earn discounts - Most insurance companies provide better rates to insureds who consolidate policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, it's in your best interest to shop around to confirm you are receiving the best rates possible. You may still be able to find better rates by buying insurance from more than one company.
Low deductibles can be expensive - The deductibles define the amount you are willing to pay in the event of a claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some examples of claims that would be covered would be running into the backend of another car, collision with an animal, or theft. The more the insured has to pay upfront, the less your company will charge you for insurance.
Choose a safe vehicle and save - Vehicles with high crash test scores get lower rates. The safest vehicles have better occupant injury protection and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates.
Claim-free discounts can add up - If you tend to file frequent claims, you can definitely plan on either policy cancellation or increased premiums. Companies in Pennsylvania generally give discounts to people who do not rely on their insurance for small claims. Your insurance policy is intended for major claims that would cause financial hardship.

Are you getting all your discounts?

Properly insuring your vehicles can get expensive, but companies offer discounts that many people don't even know exist. Larger premium reductions will be automatically applied at quote time, but a few must be manually applied in order for you to get them.

No Claims - Claim-free drivers pay much less when compared to frequent claim filers.
Military Discounts - Being deployed with a military unit could mean lower rates.
Anti-lock Brakes - Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
Theft Prevention Discount - Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
Homeowners Pay Less - Simply owning a home can save you money because owning a home shows financial diligence.
Low Mileage Discounts - Driving fewer miles could be rewarded with a substantially lower rate.
Passive Restraints and Air Bags - Cars that have air bags can receive discounts of more than 20%.
Driver's Ed - Require your teen driver to successfully complete driver's ed class in school.
One Accident Forgiven - Some insurance companies will allow you to have one accident without raising rates if your claims history is clear for a set time period.

Consumers should know that some credits don't apply to the entire cost. Some only apply to the price of certain insurance coverages like comp or med pay. So despite the fact that it appears adding up those discounts means a free policy, companies don't profit that way. But all discounts will help reduce the cost of coverage.

For a list of insurance companies offering auto insurance discounts in Pennsylvania, click here.

Much more information about auto insurance in Pennsylvania is located on the website for the Pennsylvania Insurance Department. Click here for link. Visitors are able to read industry bulletins, view a list of available companies, find out industry alerts, and read consumer alerts.

Other useful links include this online resource for auto insurance quotes in Pennsylvania and this list of insurance agents in Limerick.

Do the work, save more money

When shopping online for auto insurance, do not reduce needed coverages to save money. There are too many instances where an insured dropped collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible for the lowest price while still protecting your assets.

Discount auto insurance can be found both online in addition to many Limerick insurance agents, and you need to price shop both in order to have the best chance of saving money. Some auto insurance companies do not provide online quoting and these small, regional companies work with independent agents.