8 Top Ways to Reduce Car Insurance Costs in Monessen

I can't think of anyone who looks forward to buying car insurance, especially when they are paying too much. Consumers have many to buy insurance from, and though it is a good thing to be able to choose, it can be more difficult to compare rates.

Locating affordable car insurance in Monessen can be fairly easy. If you have a policy now or need a new policy, you will benefit by learning to find better prices and still get good coverage. Pennsylvania drivers only need an understanding of the tricks to compare company rates on the web.

Be sure to get all your discounts

Insurance can cost an arm and a leg, but there could be available discounts that you may not know about. Some discounts apply automatically when you complete an application, but some may not be applied and must be asked for before they will apply. If you're not getting every credit you qualify for, you are paying more than you should be.

  • Homeowners Savings - Owning a home in Monessen can save you money because maintaining a house demonstrates responsibility.
  • Good Student - This discount can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • Multiple Cars - Buying insurance for all your vehicles with the same company qualifies for this discount.
  • Student in College - Youth drivers living away from home attending college and don't have a car can receive lower rates.
  • Anti-lock Brakes - Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
  • Auto/Home Discount - If you insure your home and vehicles with one company you may earn approximately 10% to 15%.
  • Passive Restraints and Air Bags - Vehicles equipped with air bags or motorized seat belts may earn rate discounts of up to 25% or more.
  • Fewer Miles Equal More Savings - Low mileage vehicles could qualify for a substantially lower rate.

Consumers should know that some credits don't apply to the entire policy premium. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like having all the discounts means you get insurance for free, companies don't profit that way. Any qualifying discounts will bring down the amount you have to pay.

To choose insurers with discount car insurance rates in Pennsylvania, click here.

Is there truth in advertising?

Consumers can't ignore all the ads for cheaper car insurance by Allstate, GEICO and Progressive. All the companies have a common claim of big savings if you change to their company.

How does each company make the same claim? This is how they do it.

All the different companies have a certain "appetite" for the driver that makes them money. A good example of a profitable customer could be over the age of 50, a clean driving record, and drives newer vehicles. Any new insured that hits that "sweet spot" is entitled to the best price and is almost guaranteed to save when switching.

Consumers who don't measure up to these standards must pay higher rates and this can result in business going elsewhere. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much. That is how insurance companies can confidently claim big savings.

This illustrates why you should compare many company's rates. It's just too difficult to predict which company will give you the biggest savings.

How do I know if I need professional advice?

When buying coverage for your vehicles, there isn't really a "perfect" insurance plan. Every insured's situation is different and your policy should reflect that. For example, these questions may help highlight whether or not you may require specific advice.

  • When do I need to add a new car to my policy?
  • Why am I required to buy high-risk coverage?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • What are Pennsylvania no-fault laws?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What are the best liability limits?

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 an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Additional Pennsylvania consumer information

Additional car insurance information can be read on the website for the Pennsylvania Insurance Department. Click here for link. Consumers can report car insurance fraud, file complaints about a company, read enforcement actions against agents and companies, and view agent and company licensing information.

Pennsylvania car insurance

In the end, you save

Cost effective car insurance can be sourced from both online companies and also from your neighborhood Monessen agents, and you should be comparing both to get a complete price analysis. A few companies may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

You just learned a lot of ways to save on car insurance. It's most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from a lesser-known regional company. Some small companies may often insure only within specific states and give getter rates compared to the large companies like .

When trying to cut insurance costs, it's very important that you do not buy poor coverage just to save money. In too many instances, someone dropped collision coverage and discovered at claim time that it was a big mistake. Your focus should be to buy enough coverage for the lowest price while not skimping on critical coverages.