Tightwads Guide to Saving on Midland Auto Insurance

Nobody enjoys paying for auto insurance, especially knowing the cost is too high.

With consumers having so many choices of insurance companies, it can be hard to pick the best company.

Finding the best rates in Midland is easy if you know what you're doing. If you have car insurance now, you will most likely be able to reduce your rates substantially using this strategy. But Pennsylvania vehicle owners do need to know the way companies price online insurance.

These discounts can lower your rates

Companies offering auto insurance don't list all available discounts very well, so the following is a list of some of the best known and also the lesser-known savings tricks you should be using.

Multi-car Discount - Buying coverage for more than one vehicle on the same auto insurance policy can get a discount on all vehicles.
Anti-lock Brake System - Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
Passive Restraints - Vehicles equipped with air bags or motorized seat belts can receive discounts of more than 20%.
Fewer Miles Equal More Savings - Driving fewer miles could qualify for discounted rates on garaged vehicles.
Accident Forgiveness - Some insurance companies allow you one accident before raising your premiums so long as you haven't had any claims prior to the accident.
Driver's Ed - Have your child enroll in driver's education in school.
Homeowners Savings - Owning a home in Midland can help you save on auto insurance because owning a home demonstrates responsibility.
Accident Free - Good drivers with no accidents pay less when compared with bad drivers.
Military Rewards - Being on active duty in the military could mean lower rates.

Consumers should know that most discounts do not apply to your bottom line cost. Most only apply to specific coverage prices like physical damage coverage or medical payments. So when the math indicates all the discounts add up to a free policy, companies don't profit that way.

To see a list of insurers offering auto insurance discounts in Pennsylvania, click here to view.

Midland Auto Insurance Quote Comparison

Most companies give prices for coverage online. Getting online quotes is fairly straightforward as you just enter your coverage preferences as detailed in the form. Once you submit the form, their system will obtain your driving record and credit report and returns a price quote based on these factors. This makes comparing rates easy, but the time required to go to multiple sites and type in the same information is repetitive and time-consuming. But it's very important to perform this step in order to get better auto insurance pricing.

The preferred way to get multiple rate quotes requires only one form to get prices from many companies. The form is fast, requires less work, and makes quoting online much more enjoyable. Immediately after you send the form, your coverage is rated and you can choose any or none of the price quotes you receive. If you find a better price you can simply submit the application and purchase coverage. This process can be completed in less than 10 minutes and may result in a nice savings.

To quickly find out what other companies charge, click here to open in new window and enter your information. If you have your current policy handy, we recommend you input identical to your current policy. This makes sure you will receive a rate comparison based on the exact same insurance coverage.

What determines how much you pay?

An important part of buying insurance is that you know the different types of things that go into determining auto insurance rates. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that could result in lower auto insurance prices.

Listed below are some of the items companies use to determine premiums.

Lower deductibles cost more - Deductibles for physical damage represent how much money you are willing to pay in the event of a claim. Insurance for physical damage to your car, also known as collision and other-than-collision, insures against damage to your car. Examples of covered claims are colliding with a building, collision with an animal, and rolling your vehicle. The more expense you're willing to pay, the lower your rates will be.
Better credit means lower rates - A driver's credit score is a big factor in determining your rates. If your credit is lower than you'd like, you could pay less to insure your by improving your rating. Drivers with good credit tend to file fewer claims and have better driving records as compared to drivers with poor credit.
Safer cars cost less to insure - Cars with high safety ratings can get you lower premiums. Safe vehicles result in less severe injuries and better occupant protection means less money paid by your insurance company passed on to you as lower rates.
Extra add-on coverages are wasting money - There are many additional coverages that you can get tricked into buying if you aren't careful. Things like rental car reimbursement, accidental death and motor club memberships may be costing you every month. They may seem like a good idea initially, but if you don't need them remove them from your policy.

Different people need different coverages

When choosing coverage for your vehicles, there really is no one size fits all plan. Every situation is different so your insurance should reflect that For instance, these questions might point out whether you might need an agent's assistance.

Am I covered when driving on a suspended license?
Can I get a multi-policy discount for packaging my home and auto coverage?
Does my insurance cover a custom paint job?
Should I drop comprehensive coverage on older vehicles?
Do I have coverage when using my vehicle for my home business?
Can I rate high risk drivers on liability-only vehicles?
Is my dog or cat covered if injured in an accident?

If you're not sure about those questions then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Are you falling for claims of savings?

Allstate, GEICO and Progressive constantly bombard you with ads on television and other media. All the companies make an identical promise that you'll save big if you switch to them. But how can every company say the same thing? It's all in the numbers.

All companies have a certain "appetite" for the type of driver that is profitable for them. A good example of a profitable customer might be profiled as between the ages of 30 and 50, owns a home, and drives less than 10,000 miles a year. A propective insured who meets those qualifications is entitled to the best price and as a result will probably save a lot of money.

Consumers who are not a match for this ideal profile must pay higher rates and ends up with business not being written. Company advertisements say "customers who switch" not "everybody who quotes" save money. That is how companies can advertise the way they do. This illustrates why drivers must get a wide range of price quotes. It's not possible to predict which company will provide you with the cheapest rates.

Do the work, save more money

Discount auto insurance can be found on the web and with local Midland insurance agents, and you should compare price quotes from both to get a complete price analysis. Some auto insurance companies do not offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, don't be tempted to reduce coverage to reduce premium. In too many instances, an insured cut full coverage and found out when filing a claim that the savings was not a smart move. Your focus should be to buy enough coverage at the best price while not skimping on critical coverages.

In this article, we covered many tips how you can compare auto insurance prices online. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the lowest rates come from some of the smallest insurance companies. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as .

For more Pennsylvania car insurance information

More detailed Pennsylvania auto insurance information can be read at the Pennsylvania Insurance Department website. Pennsylvania drivers can report car insurance fraud, find out industry alerts, find disaster information, and discover disciplinary actions.

Additional helpful sites include this page for Pennsylvania auto insurance and this page for help finding agents in Midland, PA.