7 Discounts Media Consumers Forget when Shopping for Car Insurance

Having to pay for overpriced car insurance can take a big chunk out of your savings account and force you to make sacrifices. Comparison shopping is a great way to slash your bill and have more diposable income.

Drivers have multiple to pick from, and although it's nice to have a choice, it can be more challenging to compare rates.

This information will teach you how car insurance quotes work and some money-saving tips. If you currently have a car insurance policy, you will be able to save some money using these techniques. Although Pennsylvania car owners do need to know how companies determine prices and take advantage of how the system works.

compare Media car insurance rates

Don't pay full price with these seven discounts

Insuring your fleet can be pricey, but you can get discounts to help offset the cost. Some trigger automatically when you purchase, but lesser-known reductions have to be inquired about before being credited.

  • Pay Upfront and Save - By paying your policy upfront rather than paying monthly you may reduce your total bill.
  • New Car Discount - Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Multiple Policy Discount - When you have multiple policies with the same insurance company you could get a discount of at least 10% off all policies.
  • 55 and Retired - Older drivers can possibly qualify for better car insurance rates.
  • Club Memberships - Belonging to a qualifying organization may earn a discount when shopping for car insurance.
  • More Vehicles More Savings - Having multiple cars or trucks on one policy qualifies for this discount.
  • No Accidents - Drivers who don't have accidents can earn big discounts when compared to frequent claim filers.

A little note about advertised discounts, some credits don't apply to your bottom line cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, you won't be that lucky. Any amount of discount will bring down your premiums.

For a list of insurance companies with the best car insurance discounts in Pennsylvania, click here.

Where Can I Get Cheap Media Car Insurance?

There are multiple methods to compare car insurance quotes, and some are more efficient than others. You can waste hours driving to insurance companies in Media, or you can stay home and use online quoting to get prices fast.

Most car insurance companies enroll in a system that enables customers to enter their policy data once, and at least one company provides a quote based on that information. This prevents consumers from doing repetitive form submissions to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The only drawback to getting quotes like this is you cannot specify the companies to get quotes from. If you wish to select from a list of companies to compare rates, we put together a list of the cheapest car insurance companies in Pennsylvania. View list of Pennsylvania insurance companies.

Whichever method you choose, make sure you use identical deductibles and coverage limits for each comparison quote. If the quotes have different values for each quote you will not be able to determine the lowest rate in Media. Slightly different coverages may cause a big price difference. And when comparing car insurance rates, know that obtaining a wide range of quotes helps you find better pricing.

Your personal situation dictates your coverage

When it comes to choosing proper insurance coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Every insured's situation is different and your policy should reflect that. Here are some questions about coverages that can help discover whether or not you would benefit from an agent's advice.

  • Are my tools covered if they get stolen from my vehicle?
  • Who is covered when they drive my vehicle?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Are rental cars covered under my policy?
  • Am I covered when driving on a suspended license?
  • Am I covered when driving in Canada or Mexico?

If you can't answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

The best insurance company isn't always the cheapest

When you buy insurance online, make sure you don't sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible for the lowest price while still protecting your assets.

The cheapest car insurance is possible from both online companies and also from your neighborhood Media agents, so you should compare both in order to have the best price selection to choose from. There are still a few companies who may not provide online quoting and these smaller companies work with independent agents.