Comparing Low-Cost Mayfield Auto Insurance

Tired of robbing Peter to pay Paul each month for car insurance? You're in the same situation as most other car owners in Pennsylvania. Having so many different company options, it is very difficult to locate the lowest price company.

It's important to take a look at other company's rates once or twice a year because prices are constantly changing. Even if you think you had the best price a few years ago you will most likely find a better rate today. Ignore everything you know about auto insurance because you're about to learn how to quote online to buy cheaper auto insurance.

Policy discounts you shouldn't miss

The price of auto insurance can be rather high, but you can get discounts to help bring down the price. Certain discounts will be applied when you get a quote, but less common discounts must be manually applied before you will receive the discount. If you don't get every credit available, you are throwing money away.

Save with a New Car - Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
Driver's Ed - Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
Safety Course Discount - Successfully completing a defensive driving course could save 5% or more if you qualify.
Theft Prevention Discount - Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
Sign Online - A few companies may give you up to $50 for buying your policy online.
College Student - Kids in college who attend school more than 100 miles from home and don't have a car can receive lower rates.

As a disclaimer on discounts, most discounts do not apply to the entire cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, auto insurance companies aren't that generous. Any amount of discount will help reduce the amount you have to pay.

Save $429 a year? Really?

Consumers in Pennsylvania get pounded daily by advertisements for the lowest price auto insurance by GEICO, State Farm and Progressive. They all seem to make an identical promise about savings if you change to their company.

But how can every company claim to save you money? This is how they do it.

Insurance companies can use profiling for the driver that earns them a profit. For example, a desirable insured might be between the ages of 30 and 50, has no tickets, and drives less than 7,500 miles a year. A customer getting a price quote who meets those qualifications is entitled to the best price and is almost guaranteed to save a lot of money.

Drivers who don't qualify for this ideal profile will have to pay higher premiums and ends up with the customer not buying. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much. That's why companies can truthfully advertise the way they do.

Because of the profiling, you should get quotes from several different companies. It's impossible to know the company that will provide you with the cheapest rates.

More Pennsylvania auto insurance information

Additional information can be found on the website for the Pennsylvania Insurance Department. Click here for link. Visitors are able to file complaints about an insurance agent or broker, view a list of available companies, discover disciplinary actions, and read consumer alerts.

Also read more on Auto Insurance 101 and this page where you can research Mayfield insurance agents.

And the best car insurance company is...

When shopping online for auto insurance, do not buy lower coverage limits just to save a few bucks. In many instances, an insured dropped physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy enough coverage for the lowest price.

Cheap auto insurance is attainable both online and also from your neighborhood Mayfield agents, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.