Easy Tips to Cut Costs on Macungie Auto Insurance

Shopping for the most affordable Macungie auto insurance online is rather challenging for consumers new to price shopping online. Because there are so many online companies available, how can consumers have a chance to compare the different rates to find the cheapest available price?

Are you getting all your discounts?

Insurance can be prohibitively expensive, but companies offer discounts to help bring down the price. Most are applied when you complete an application, but some may not be applied and must be inquired about before they will apply.

  • Safety Course Discount - Taking part in a course in driver safety could cut 5% off your bill if you qualify.
  • Life Insurance Discount - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Fewer Miles Equal More Savings - Low mileage vehicles could qualify for a substantially lower rate.
  • Paperless Signup - A handful of insurance companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Clubs and Organizations - Participating in a qualifying organization may earn a discount when buying auto insurance.
  • Seat Belt Usage - Requiring all passengers to use their safety belts can save 10% or more off your PIP or medical payments premium.

A little note about advertised discounts, some credits don't apply to your bottom line cost. Most only cut the cost of specific coverages such as liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, you won't be that lucky. Any amount of discount will bring down the cost of coverage.

auto insurance in Macungie

Tailor your coverage to you

When it comes to buying coverage for your personal vehicles, there isn't really a cookie cutter policy. Everyone's needs are different.

For instance, these questions can help discover whether you could use an agent's help.

  • Should I rate my vehicle as pleasure use or commute?
  • What happens if I owe more than my vehicle is worth?
  • Is my vehicle covered for flood damage?
  • Does my liability insurance cover pulling a trailer or camper?
  • Do I qualify for additional discounts?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered if I drive in a foreign country?

If you can't answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

How can 21st Century, Allstate and State Farm save drivers who switch?

21st Century, Allstate and State Farm consistently run ads on television and other media. All the companies have a common claim about savings if you change your policy. How does each company make almost identical claims?

All the different companies have a preferred profile for the right customer that earns them a profit. A good example of a profitable customer could possibly be over the age of 40, has no prior claims, and has great credit. A customer getting a price quote that hits that "sweet spot" will qualify for the lowest rates and as a result will probably save when switching.

Consumers who are not a match for these standards must pay higher rates and this can result in the driver buying from a lower-cost company. The ad wording is "people who switch" not "everybody who quotes" save that kind of money. This is how companies can truthfully advertise the savings.

This illustrates why you should get as many quotes as possible. It's impossible to know which insurance companies will fit your personal profile best.

Learn more about auto insurance in Pennsylvania

Additional information can be read on the Pennsylvania Insurance Department website through this link. Pennsylvania consumers can discover disciplinary actions, file complaints about an insurance agent or broker, and get help finding coverage.

Pennsylvania auto insurance quotes

Shop smart and save

Cheaper auto insurance is attainable online in addition to many Macungie insurance agents, and you need to comparison shop both to get a complete price analysis. There are still a few companies who do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

When you buy insurance online, never buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice full coverage and found out when filing a claim that the few dollars in savings costed them thousands. The proper strategy is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

Drivers leave their current company for many reasons like delays in responding to claim requests, delays in paying claims, an unsatisfactory settlement offer and even being labeled a high risk driver. Regardless of your reason for switching companies, finding the right auto insurance provider is less work than it seems.