Proven Ways to Save on Mars Auto Insurance

Having to pay for overpriced auto insurance can drain your savings account, especially in this economy. Comparing price quotes is free and is an excellent way to reduce premiums and put more money in your pocket.

You have so many to pick from, and although it's nice to have a selection, lots of choices makes it harder to compare rates.

It's important to shop coverage around quite often because insurance rates are constantly changing. Just because you had the best price last year you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because we're going to demonstrate the proper way to find great coverage at a great price.

Pricing affordable coverage in Mars is quite easy. Basically, anyone who has to buy auto insurance stands a good chance to be able to save money. Nevertheless, Pennsylvania drivers do need to know the way insurance companies sell insurance online and apply this information to your search.

Mars auto insurance quote

How to Buy Mars Auto Insurance Online

There are several ways of comparing rate quotes from local Mars auto insurance companies. The best method to compare insurance prices consists of obtaining rate quotes online. This can be done in a couple of different ways.

  • The recommended way to find low rates is to use a rate comparison form (click to open form in new window). This form eliminates the need for separate quotation requests for each company you want a rate for. One form will return quotes from auto insurance companies with the best prices.
  • A less efficient way to get quotes online is to take the time to go to the website for each individual company and fill out their own quote form. For instance, let's assume you want comparison quotes from , and . To get each rate you have to go to every website and enter your information, which is why most consumers use the first method. To view a list of companies in Mars, click here.
  • The hardest way to compare rates is driving to local insurance agencies. Shopping for auto insurance online has reduced the need for local agents unless you prefer the professional guidance that only a license agent can provide. Drivers can get the lowest quotes online and still use a local agent.

It doesn't matter which method you choose, just make darn sure you compare identical coverages and limits for every quote you compare. If you are comparing different deductibles it will be next to impossible to determine the best price in Mars. Having just a slight variation in coverage limits may result in large price differences. And when comparison shopping, comparing more company's prices helps you find a lower rate.

Save big with these discounts

Car insurance is not cheap, buy you may qualify for discounts that you may not even be aware of. Larger premium reductions will be automatically applied at the time of purchase, but a few need to be asked for prior to receiving the credit.

  • Braking Control Discount - Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
  • Discount for New Cars - Putting insurance coverage on a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Good Student Discount - A discount for being a good student can earn a discount of 20% or more. This discount can apply until age 25.
  • Auto/Life Discount - Larger companies have a discount if you purchase life insurance.
  • Low Mileage - Driving fewer miles can earn better rates on cars that stay parked.
  • Lower Rates for Military - Having a family member in the military could mean lower rates.
  • Claim Free - Drivers who don't have accidents can save substantially compared to bad drivers.

It's important to understand that many deductions do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, it doesn't quite work that way. Any qualifying discounts will bring down your overall premium however.

To see a list of providers offering auto insurance discounts in Pennsylvania, click this link.

But I don't know anything about car insurance

When choosing the right insurance coverage for your personal vehicles, there isn't really a one size fits all plan. Each situation is unique so this has to be addressed. These are some specific questions may help you determine if your situation would benefit from professional advice.

  • Do I need PIP (personal injury protection) coverage in Pennsylvania?
  • Should I file a claim if it's only slightly more than my deductible?
  • Should I buy only the required Pennsylvania minimum liability coverage?
  • What happens if I owe more than my vehicle is worth?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered when delivering products for my home-based business?
  • Will I be non-renewed for getting a DUI or other conviction?
  • I have good health insurance, so how much medical payments coverage do I need?

If it's difficult to answer those questions, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

More sites with auto insurance information

Additional auto insurance information can be found on the website for the Pennsylvania Insurance Department through this link. Pennsylvania consumers can read consumer alerts, read enforcement actions against agents and companies, file complaints about a company, and file complaints about an insurance agent or broker.

Additional helpful sites include BankRate.com's Car Insurance: When not to Skimp and this directory of Mars insurance agents.