Getting the Cheapest Lock Haven Car Insurance

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me, you're not alone. Online insurance companies like State Farm, Allstate, GEICO and Progressive continually hit you with TV and radio ads and it is difficult to sift through the bull and find the best price available.

It's important to take a look at other company's rates every six months since rates are constantly changing. Just because you had the lowest price last year you will most likely find a better rate today. Forget all the misinformation about car insurance because you're about to find out the proper way to properly buy coverages while reducing your premium.

Policy discounts you shouldn't miss

Insuring your vehicles can cost a lot, but you can get discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you quote, but less common discounts must be asked for before you get the savings. If you aren't receiving every discount possible, you are throwing money away.

  • Sign Online - Some insurance companies may give you up to $50 for buying your policy digitally online.
  • Homeowners Discount - Owning a house in Lock Haven can help you save on car insurance because owning a home shows financial diligence.
  • Passive Restraints - Factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Payment Discounts - If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
  • Life Insurance - Companies who offer life insurance give better rates if you take out life insurance from them.
  • College Student - Kids in college who are attending college and do not have a car can receive lower rates.

As a disclaimer on discounts, most discounts do not apply to all coverage premiums. Some only reduce specific coverage prices like liability, collision or medical payments. Just because you may think you could get a free car insurance policy, car insurance companies aren't that generous. Any amount of discount will reduce the amount you have to pay.

Save $429 a year? Really?

Consumers in Pennsylvania get pounded daily by advertisements that promise big savings by State Farm, GEICO and Progressive. They all seem to make an identical promise about savings if you switch to their company.

How can each company claim to save you money? It's all in the numbers.

Different companies are able to cherry pick for the driver that earns them a profit. For instance, a desirable insured might be a mature driver, has no driving citations, and drives newer vehicles. Any new insured who meets those qualifications will get very good rates and is almost guaranteed to save when they switch companies.

Drivers who don't qualify for the requirements will have to pay a higher premium and ends up with the customer not buying. The ads say "customers who switch" but not "drivers who get quotes" save that much. That's the way companies can truthfully claim big savings.

Because of the profiling, you should quote coverage with many companies. It's just too difficult to predict which car insurance company will give you the biggest savings.

Additional information is located on the website for the Pennsylvania Insurance Department found here. Visitors are able to get help finding coverage, report car insurance fraud, find out industry alerts, and view a list of available companies.

A tidy conclusion

Cheap car insurance is available both online and also from your neighborhood Lock Haven agents, and you need to price shop both to have the best selection. A few companies may not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

We just covered many tips how you can reduce car insurance prices online. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Drivers may discover the best price on car insurance is with a small mutual company. Regional companies may have significantly lower rates on certain market segments compared to the large companies like .

When trying to cut insurance costs, it's not a good idea to buy lower coverage limits just to save a few bucks. In many cases, someone sacrificed liability coverage limits only to discover later that it was a big mistake. Your aim should be to find the BEST coverage at the best price.