7 Shopping Tips Proven to Lower Car Insurance Costs in Monroeville

Scraping up a payment for overpriced car insurance can overdraw your personal savings and force you to prioritize other expenses. Doing a price comparison is free and is an excellent way to slash your bill and have more diposable income. Multiple compete for your business, and because of this it can be hard to compare to get the lowest price

If you are insured now or need a new policy, you will benefit by learning to find the best rates and still get good coverage. Choosing the best insurance company for you in Monroeville is easy if you know what you're doing. Pennsylvania vehicle owners just need to know the best way to find the lowest price online.

car insurance in Monroeville

Low Cost Monroeville Car Insurance

Shopping for lower car insurance rates can be challenging if you don't understand the easiest way. You can spend your afternoon discussing policy coverages with insurance agencies in Monroeville, or you can stay home and use the web to accomplish the same thing much quicker.

Most of the larger companies are enrolled in a marketplace that enables customers to only type in their quote data once, and each participating company provides a quote based on the submitted data. This system prevents you from having to do quotation requests to each individual car insurance company.

To submit your quote information now, click here to open in new window.

One minor caviat to comparing rates this way is buyers cannot specifically choose which providers to get pricing from. So if you want to choose specific insurance companies to request quotes from, we have a page of the cheapest car insurance companies in Pennsylvania. View list of Pennsylvania insurance companies.

It doesn't matter which method you choose, just make darn sure you compare the exact same coverages on every quote you get. If you enter different limits and deductibles on each one you will not be able to determine which rate is truly the best in Monroeville.

Don't pay full price with these seven discounts

Companies don't always list all available discounts in an easy-to-find place, so we researched some of the more common and the harder-to-find ways to save on car insurance. If they aren't giving you every credit you deserve, you are paying more than you should be.

  • Defensive Driving Course - Taking part in a driver safety course could cut 5% off your bill if your company offers it.
  • 55 and Retired - If you're over the age of 55, you can possibly qualify for a small decrease in premiums.
  • Claim Free - Drivers who don't have accidents pay much less when compared with accident-prone drivers.
  • More Vehicles More Savings - Having multiple cars or trucks with the same company qualifies for this discount.
  • Theft Prevention System - Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Good Student Discount - This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
  • Organization Discounts - Belonging to certain professional organizations could trigger savings when buying car insurance.

Drivers should understand that many deductions do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, companies wouldn't make money that way.

To choose insurers with the best car insurance discounts in Monroeville, click this link.

The car insurance bait and switch

Consumers can't ignore all the ads for car insurance savings from the likes of 21st Century, Allstate and State Farm. All the companies make the same claim that you'll save big if you move your coverage to them.

How do they all make the same claim? This is how they do it.

All the different companies have a preferred profile for the type of customer that makes them money. For instance, a profitable customer could be between the ages of 40 and 55, insures multiple vehicles, and chooses high deductibles. Any new insured who matches those parameters will qualify for the lowest rates and therefore will cut their rates substantially.

Drivers who don't measure up to the "perfect" profile must pay a higher premium which leads to business going elsewhere. The ad wording is "drivers who switch" not "everyone that quotes" save that much money. This is how companies can state the savings. This illustrates why you need to compare many company's rates. It's just too difficult to predict which insurance companies will give you the biggest savings.

Your personal situation dictates your coverage

When buying the best car insurance coverage for your personal vehicles, there is no "perfect" insurance plan. Every insured's situation is different so this has to be addressed. Here are some questions about coverages that may help you determine whether or not you will benefit from professional help.

  • Should I rate my vehicle as pleasure use or commute?
  • Should I put collision coverage on all my vehicles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered when driving on a suspended license?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Should I have combined single limit or split liability limits?
  • Do I need to file an SR-22 for a DUI in Pennsylvania?
  • Does my liability insurance cover pulling a trailer or camper?

If it's difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.

More detailed Pennsylvania car insurance information is located at the Pennsylvania Insurance Department website. Consumers can discover disciplinary actions, learn about insurance regulations, read industry bulletins, and report car insurance fraud.

Monroeville car insurance comparison

In the end, you save

Budget-conscious car insurance is definitely available from both online companies as well as from independent agents in Monroeville, so you should be comparing quotes from both to have the best selection. Some insurance companies don't offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.

When buying insurance coverage, never reduce coverage to reduce premium. There are a lot of situations where drivers have reduced liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.