Free Guide to Cutting Costs on Lower Burrell Auto Insurance Online

Are you sick and tired of robbing Peter to pay Paul each month for car insurance? Your situation is no different than many other Pennsylvania drivers. Drivers have multiple to buy insurance from, and though it is a good thing to have a choice, it can be more challenging to compare rates.

It's important to compare prices once or twice a year since insurance rates are constantly changing. Even if you think you had the best rates a year ago you may be paying too much now. There is a lot of bad information regarding auto insurance online but I'm going to show you some great ways to slash your auto insurance rates.

Finding the best rates in Lower Burrell is not that difficult. If you have a policy now or are shopping for new coverage, you can use these techniques to find better prices while maximizing coverage. Pennsylvania consumers only need to know the most effective way to buy auto insurance on the web.

Fast and Easy Lower Burrell Auto Insurance Quotes

Most major insurance companies like GEICO, State Farm and Progressive provide coverage prices on their websites. Getting online quotes is quite simple as you just type in the amount of coverage you want as detailed in the form. Behind the scenes, their system will obtain your driving and credit reports and returns a price. Quoting online helps simplify price comparisons, but having to visit several different sites and fill out multiple forms can be a bit repetitive. But it's very important to perform this step if you want to find the best price on auto insurance.

Quote rates the easy way

A less time-consuming method to find cheaper rates requires only one form that obtains quotes from several different companies. The form is fast, eliminates repetitive work, and makes online quotes a little more enjoyable. After your information is entered, it gets priced with multiple companies and you can pick any one of the returned quotes. If one or more price quotes are lower than your current rates, it's easy to complete the application and purchase the new policy. The whole process can be completed in less than 10 minutes and you will find out if you're overpaying now.

To quickly find out if lower rates are available, click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you type in the coverages as close as possible to your current policy. This way, you will have comparison quotes based on similar coverages.

Good Decisions Result in Lower Rates

It's important that you understand the factors that play a part in calculating auto insurance rates. Knowing what impacts premium levels enables informed choices that may reward you with much lower annual insurance costs.

Lower miles equals lower premium - The higher the mileage driven every year the more you will pay for auto insurance. Most insurance companies price each vehicle's coverage based upon how you use the vehicle. Cars used primarily for pleasure use get more affordable rates than vehicles that are driven to work every day. Double check that your auto insurance declarations sheet shows the correct usage for each vehicle.
Equipment add-ons that lower auto insurance rates - Driving a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
Little extras can really add up - There are quite a few extra bells and whistles that you can buy if you aren't careful. Coverages for rental car reimbursement, towing coverage and term life insurance are some examples. These may sound like a good investment when talking to your agent, but if they're wasting money eliminate them to save money.
Low deductibles can be expensive - Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply are running into the backend of another car, damage from fire, and rolling your vehicle. The deductibles are how much you are willing to pay out-of-pocket if you file a covered claim. The more expense you are required to pay out-of-pocket, the less your company will charge you for insurance.
Your stress level may be raising your rates - Jobs such as real estate brokers, social workers and financial analysts tend to have higher average rates in part from high stress levels and long work days. Conversely, occupations such as farmers, engineers and retirees receive lower rates.
Men are more aggressive - The statistics show that women are safer drivers than men. Now that doesn't mean men are worse drivers. Both sexes are in accidents at a similar rate, but the males tend to have more serious accidents. They also get more serious tickets like reckless driving and DUI.
How many coverages with the same company - Some insurance companies will give a discount to people who consolidate policies with them in the form of a multi-policy discount. Even if you're getting this discount it's in your best interest to shop around to ensure the best deal. Drivers may still find better rates by insuring with multiple companies.

Are you getting all your discounts?

Companies offering auto insurance don't always advertise all their discounts very clearly, so the following is a list of some of the best known and the harder-to-find discounts you could be receiving. If you're not getting every credit available, you're just leaving money on the table.

New Vehicle Savings - Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
Drivers Education - Require your teen driver to complete a driver education course if offered at their school.
Drive Less and Save - Low mileage vehicles could qualify for a substantially lower rate.
Homeowners Pay Less - Owning a house in Lower Burrell can save you money because maintaining a house demonstrates responsibility.
No Accidents - Claim-free drivers pay less as compared to frequent claim filers.
One Accident Forgiven - Certain companies will allow you to have one accident without raising rates as long as you don't have any claims for a set time period.
Bundle and Save - When you have multiple policies with one insurance company you will save at least 10% off all policies.

A little note about advertised discounts, some credits don't apply to the entire cost. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, you won't be that lucky.

For a list of companies with discount auto insurance rates in Pennsylvania, click here.

Even more information can be read at the Pennsylvania Insurance Department website. Pennsylvania drivers can file complaints about an insurance agent or broker, view a list of available companies, discover disciplinary actions, and report car insurance fraud.

Best coverage at the best price

While you're price shopping online, never reduce needed coverages to save money. In many instances, an insured dropped full coverage and found out when filing a claim they didn't purchase enough coverage. The ultimate goal is to find the BEST coverage for the lowest price.

The cheapest auto insurance is attainable on the web and also from your neighborhood Lower Burrell agents, and you need to price shop both to have the best rate selection. Some companies may not provide online quoting and most of the time these small insurance companies sell through independent agents.