Comparison Shop Maple Glen Car Insurance Prices With These Tricks

Buying cheap Maple Glen car insurance over the internet may be challenging for beginners to comparison shopping online. With dozens of insurers available, how can you possibly compare every one to find the lowest price available?

It's important to do rate comparisons on a regular basis due to the fact that insurance rates are constantly changing. Just because you had the best deal two years ago you may be paying too much now. So ignore everything you know about car insurance because I'm going to teach you the proper way to remove unneeded coverages and save money.

Buying car insurance in Maple Glen is easy if you know what you're doing. If you have car insurance now, you will most likely be able to save some money using these methods. But Pennsylvania consumers do need to know the way insurance companies sell insurance online and take advantage of how the system works.

Maple Glen Car Insurance Prices Online

There are several ways of comparing rates from local Maple Glen car insurance companies. The recommended way to find competitive insurance rates is to use the internet to compare rates. This can be accomplished using a couple different methods.

The first (and easiest) way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This easy form saves time by eliminating multiple quote forms for every car insurance company. One form submission will return quotes from multiple low-cost companies. Recommended for those who want to invest the least amount of time.

A slightly less efficient method to get quotes online is to take the time to go to each individual company website to complete a price quote. For sake of this example, let's assume you want comparison quotes from , and . To get rate quotes you would need to spend time on each company's site and enter your information, which is why the first method is more popular.

To view a list of companies in Maple Glen, click here.

The least recommended way to compare rates is driving to insurance agents' offices. The internet makes this process obsolete unless you require the personal advice of a local agent. However, consumers can compare the best prices online and still use a local agent and you'll learn how to do that later.

It's up to you which method you use, but ensure you are comparing identical coverages and limits for every company. If you enter different deductibles it will be impossible to decipher which rate is best in Maple Glen. Quoting even small variations in insurance coverages can mean a large discrepancy in price. Just remember that more quotes helps locate a lower rate.

Why some people pay less for insurance in Maple Glen

It's important that you understand the different types of things that go into determining the rates you pay for car insurance. Knowing what controls the rates you pay allows you to make educated decisions that may reward you with lower car insurance prices.

Listed below are some of the factors companies use to determine rates.

  • Pay less if you're married - Being married can actually save you money on your policy. It is viewed as being more mature than a single person and it's proven that married drivers get in fewer accidents.
  • Are you male or female? - Statistics have proven that women are safer drivers than men. That doesn't necessarily mean that women are better drivers. Women and men tend to get into accidents at about the same rate, but the males cause more damage. They also receive more costly citations like DUI and reckless driving. Teenage male drivers are most likely to cause an accident and thus pay the highest rates.
  • Bad driving skills means higher rates - Good drivers have lower premiums than bad drivers. Even one ticket can increase rates by as much as thirty percent. Drivers who have serious citations such as DWI, reckless driving or hit and run convictions may need to file a SR-22 to the state department of motor vehicles in order to continue driving.
  • Older drivers save more - Youthful drivers in Pennsylvania are statistically proven to be more careless when driving so they pay higher car insurance rates. Having to add a young driver to your policy can break the bank. More mature drivers are viewed as being more responsible, tend to file fewer claims and receive fewer citations.
  • Multi-policy discounts can save money - Most insurers will give a discount to insureds who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, you still need to shop around to make sure you are getting the best deal.
  • Too many car insurance claims drive up costs - If you tend to file frequent claims, you can expect either a policy non-renewal or much higher rates. Car insurance companies in Pennsylvania award lower rates to people who file claims infrequently. Auto insurance is intended for the bigger claims that can't be paid out-of-pocket.

Save big with these discounts

Auto insurance companies don't always advertise all their discounts very clearly, so here is a list both the well known as well as the least known savings tricks you should be using.

  • Sign Online - Certain companies may give you up to $50 for buying a policy and signing up over the internet.
  • Accident Waiver - Certain companies will forgive one accident without raising rates as long as you don't have any claims prior to the accident.
  • Good Student Discount - Getting good grades can get you a discount of up to 25%. The discount lasts until age 25.
  • College Student - Kids in college who live away from home and do not have a car may qualify for this discount.
  • Anti-theft Discount - Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Save with a New Car - Adding a new car to your policy can save up to 30% since new cars are generally safer.
  • Own a Home - Owning a house in Maple Glen can help you save on car insurance because owning a home requires personal responsibility.
  • Payment Discounts - If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
  • Early Signing - Some insurance companies reward drivers for buying a policy before your current policy expires. This can save 10% or more.

Consumers should know that most discount credits are not given to all coverage premiums. Most only cut individual premiums such as liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, companies don't profit that way.

For a list of companies offering car insurance discounts in Pennsylvania, click here to view.

More detailed Pennsylvania car insurance information is available at the Pennsylvania Insurance Department website. Visitors are able to get help finding coverage, learn about insurance regulations, and file complaints about a company.

Final considerations

Discount car insurance is available both online and with local Maple Glen insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies do not offer online quoting and most of the time these smaller companies sell through independent agents.

We just presented some good ideas how you can lower your car insurance rates. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. Drivers may discover the best price on car insurance is with a small local company.

When buying insurance coverage, it's very important that you do not reduce needed coverages to save money. In many cases, drivers have reduced liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your aim should be to purchase a proper amount of coverage at a price you can afford.