Consumer Tested Strategies to Save on Mckeesport Auto Insurance

Expensive auto insurance can dwindle your savings account and force you to make sacrifices. Comparison shopping is a smart way to tighten up your finances.

Consumers have many to buy insurance from, and even though it's nice to have a choice, it can be more difficult to compare rates.

auto insurance in Mckeesport

These discounts can lower your rates

Auto insurance companies don't list all available discounts very clearly, so the following is a list of both well-publicized as well as the least known auto insurance savings.

  • Defensive Driving Course - Completing a course in driver safety could cut 5% off your bill depending on where you live.
  • Save over 55 - Older drivers can possibly qualify for better auto insurance rates.
  • Pay Upfront and Save - If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • Paperless Signup - Certain companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Discount for New Cars - Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
  • Accident Waiver - Certain companies will forgive one accident without raising rates so long as you haven't had any claims prior to the accident.

As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. Most only apply to individual premiums such as liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, auto insurance companies aren't that generous.

For a list of insurers with the best auto insurance discounts in Pennsylvania, follow this link.

Free Quotes for Auto Insurance in Mckeesport, Pennsylvania

Most major insurance companies like 21st Century, Allstate and State Farm provide prices online. Getting online rates is quite easy as you just enter your coverage information as detailed in the form. Once entered, the company's rating system will obtain information on your driving record and credit history and returns a price quote based on many factors. Quoting online simplifies rate comparisons, but the time required to go to different websites and type in the same information is monotonous and tiresome. But it's very important to get many rate quotes if you want to find better auto insurance pricing.

A more efficient way to locate the lowest prices uses one simple form that gets prices from a bunch of companies at once. The form is fast, requires much less work on your part, and makes rate comparisons much more enjoyable. Immediately after you send the form, it gets priced and you are able to buy any one of the quotes that you receive. If a lower price is quoted, you can simply submit the application and buy the policy. The whole process can be completed in a matter of minutes and you'll know if lower rates are available.

To save time and find out what other companies charge, click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you input deductibles and limits identical to your current policy. This helps ensure you will have an apples-to-apples comparison based on identical coverages.

Different people need different coverages

When it comes to choosing coverage for your personal vehicles, there isn't really a one size fits all plan. Everyone's situation is a little different and a cookie cutter policy won't apply. For instance, these questions may help you determine whether you could use an agent's help.

  • Should I rate my vehicle as pleasure use or commute?
  • Should I buy additional glass protection?
  • What can I do if my company won't pay a claim?
  • Does my personal policy cover me when driving my company car?
  • Can I still get insurance after a DUI?
  • 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?
  • When does my teenage driver need to be added to my policy?

If you don't know the answers to these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Shop smart and save

Cheap auto insurance is possible online and also from your neighborhood Mckeesport agents, and you need to comparison shop both to have the best chance of lowering rates. Some auto insurance companies may not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, never sacrifice coverage to reduce premiums. There are a lot of situations where drivers have reduced collision coverage and discovered at claim time that the savings was not a smart move. The proper strategy is to buy enough coverage at a price you can afford while not skimping on critical coverages.