5 Tricks Shown to Lower Car Insurance Costs in Mansfield

Searching for cheap Mansfield car insurance over the internet is intimidating for beginners to comparison shopping online. Since there are so many insurers available, how can consumers even start to compare every one to find the cheapest available price?

Be sure to get all your discounts

Companies don't list all available discounts very clearly, so we researched some of the more common as well as the least known savings tricks you should be using.

  • Defensive Driving Course - Completing a driver safety course could cut 5% off your bill if you qualify.
  • New Car Discount - Buying coverage on a new vehicle is cheaper since new cars are generally safer.
  • Accident Free - Drivers who don't have accidents pay much less when compared with drivers who are more careless.
  • Accident Waiver - Certain companies will forgive one accident before your rates go up so long as you haven't had any claims prior to the accident.
  • Anti-lock Brake System - Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Some only apply to individual premiums such as liability and collision coverage. So even though they make it sound like you can get free auto insurance, car insurance companies aren't that generous.

car insurance in Mansfield

How do I know if I need professional advice?

When it comes to buying the best car insurance coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Everyone's needs are different.

For example, these questions can help discover whether or not you would benefit from an agent's advice.

  • Should I rate my vehicle as pleasure use or commute?
  • Can I still get insurance after a DUI?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my policy cover me when driving someone else's vehicle?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered when driving in Canada or Mexico?

If you're not sure about those questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form.

Is there truth in advertising?

21st Century, Allstate and State Farm regularly use television and radio advertisements. All the companies make an identical promise about savings if you move to them. How does each company make the same claim?

All companies have a preferred profile for the type of driver that earns them a profit. For instance, a profitable customer could be between 25 and 40, has no prior claims, and drives less than 7,500 miles a year. Any new insured who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential insureds who don't measure up to these standards must pay more money and ends up with business going elsewhere. The ad wording is "customers that switch" but not "drivers who get quotes" save money. This is how companies can truthfully advertise the way they do. This illustrates why drivers should get a wide range of price quotes. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

Even more information is located at the Pennsylvania Insurance Department website. Consumers can discover disciplinary actions, file complaints about an insurance agent or broker, and read industry bulletins.

Pennsylvania car insurance quotes

Final considerations

Cheap car insurance is definitely available from both online companies and with local Mansfield insurance agents, so you should compare both to have the best chance of lowering rates. Some car insurance companies do not offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

When shopping online for car insurance, never skimp on coverage in order to save money. There are a lot of situations where consumers will sacrifice collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible at a price you can afford while not skimping on critical coverages.

People who switch companies do it for a number of reasons such as delays in responding to claim requests, delays in paying claims, high rates after DUI convictions and even denial of a claim. Regardless of your reason, choosing a new insurance company is less work than it seems.