Free Guide to Saving Money on Mifflintown Auto Insurance Online

Paying for high-priced auto insurance can dwindle your personal savings and force you to prioritize other expenses. Comparison shopping is free, only takes a few minutes, and is a good way to tighten up your finances. Insurance companies such as State Farm, Allstate, GEICO and Progressive increase brand awareness with ads and consumers find it hard to sift through the bull and take the time to shop coverage around.

Take advantage of discounts

Companies don't list every discount in a way that's easy to find, so here is a list both well-publicized as well as the least known savings tricks you should be using. If you aren't receiving every discount you deserve, you are throwing money away.

  • Pay Upfront and Save - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
  • Save over 55 - If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums.
  • Claim Free - Drivers who don't have accidents can earn big discounts when compared to drivers who are more careless.
  • Clubs and Organizations - Participating in a civic or occupational organization is a good way to get lower rates when shopping for auto insurance.
  • Discount for New Cars - Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
  • Life Insurance - Companies who offer life insurance give better rates if you take out auto and life insurance together.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. A few only apply to individual premiums such as liability and collision coverage. So when it seems like all those discounts means the company will pay you, you won't be that lucky.

compare Mifflintown auto insurance rates

How to know if you need help

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone's situation is a little different so your insurance should reflect that These are some specific questions may help you determine whether your personal situation might need an agent's assistance.

  • What can I do if my company won't pay a claim?
  • Should I put collision coverage on all my vehicles?
  • What companies insure drivers after a DUI or DWI?
  • Do I have any recourse if my insurance company denies a claim?
  • Are rental cars covered under my policy?
  • Am I covered when driving on a suspended license?
  • Can I still get insurance after a DUI?
  • Are my tools covered if they get stolen from my vehicle?

If you're not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It's fast, doesn't cost anything and can help protect your family.

Are auto insurance companies telling the truth?

Pennsylvania consumers get pounded daily by advertisements for car insurance savings from the likes of State Farm, Allstate and GEICO. They all make an identical promise about savings if you move your coverage to them.

How can each company make almost identical claims?

All the different companies have a preferred profile for the type of customer that earns them a profit. An example of a driver they prefer could possibly be between the ages of 30 and 50, insures multiple vehicles, and has excellent credit. A customer getting a price quote who meets those qualifications receives the best rates and most likely will save when they switch companies.

Potential insureds who don't qualify for the requirements will be quoted more money and ends up with the driver buying from a lower-cost company. Company advertisements say "customers that switch" not "people who quote" save that much money. This is how companies can truthfully make those claims. This emphasizes why you should get a wide range of price quotes. It's impossible to know which insurance companies will have the lowest rates.

More sites with auto insurance information

Even more information is available at the Pennsylvania Insurance Department website. Pennsylvania consumers can view a list of available companies, learn about insurance regulations, read industry bulletins, and find out which companies have the most complaints.

Mifflintown auto insurance comparison

And the best car insurance company is...

While you're price shopping online, it's not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced liability limits or collision coverage only to find out they didn't purchase enough coverage. The proper strategy is to buy enough coverage at a price you can afford while still protecting your assets.

Cheaper auto insurance is definitely available online as well as from independent agents in Mifflintown, and you should compare price quotes from both to have the best chance of lowering rates. Some companies don't offer you the ability to get quotes online and these smaller companies work with independent agents.