7 Best Ways to Slash Car Insurance Costs in Morgantown, PA

Have you had enough of not being able to afford each month for car insurance? Your situation is no different than many other Pennsylvania drivers.

Drivers have so many to buy insurance from, and although it's a good thing to be able to choose, too many choices makes it more difficult to compare rates.

The purpose of this post is to instruct you on how to effectively get price quotes and some tricks to saving. If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. Nevertheless, Pennsylvania consumers do need to know the way companies sell online and apply this information to your search.

How to Compare Car Insurance Costs in Morgantown

There are several ways you can shop for car insurance and some are less labor-intensive and much quicker. You can spend your afternoon talking to agents in Morgantown, or you could use the internet to quickly compare rates.

Most of the larger companies belong to a marketplace that allows shoppers to submit one quote, and each participating company returns a competitive quote for coverage. This eliminates the need for quote forms 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 you can't choose which providers to get quotes from. So if you want to select specific insurance companies for rate comparison, we have a listing of companies who write car insurance in Pennsylvania. Click here to view list.

Which method you use is up to you, but double check that you are using identical quote information on every quote you get. If you use mixed coverages you can't possibly determine which rate is truly the best in Morgantown. Just a small difference in coverage limits can result in a big premium difference. It's important to know that comparing a large number of companies helps locate a better price.

Be sure to get all your discounts

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that you may not know about. Certain discounts will be applied when you quote, but less common discounts must be requested specifically before you get the savings.

  • Claim Free - Claim-free drivers can save substantially when compared to accident-prone drivers.
  • Pay Now and Pay Less - If you pay your bill all at once instead of making monthly payments you could save up to 5%.
  • Multiple Cars - Buying insurance for all your vehicles with the same company can get a discount on all vehicles.
  • Distant Student - Children who attend school more than 100 miles from home and don't have a car can receive lower rates.
  • Discount for Life Insurance - Larger companies have a discount if you purchase auto and life insurance together.
  • Organization Discounts - Being a member of a qualifying organization could qualify you for a break when shopping for car insurance.
  • Theft Prevention System - Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.

Consumers should know that most credits do not apply to the entire cost. Most only apply to specific coverage prices like comp or med pay. So even though they make it sound like all those discounts means the company will pay you, companies don't profit that way. Any qualifying discounts will bring down the amount you have to pay.

To choose insurance companies with discount car insurance rates in Pennsylvania, follow this link.

Is there truth in advertising?

Car insurance providers like Progressive, Allstate and GEICO consistently run television and radio advertisements. They all say the same thing of big savings if you change your coverage to them. How does each company claim to save you money? It's all in the numbers.

All the different companies can use profiling for the type of customer that makes them money. For example, a driver they prefer might be between the ages of 30 and 50, has no tickets, and has a high credit rating. Any new insured who fits that profile is entitled to the best price and is almost guaranteed to save when switching.

Drivers who don't measure up to these standards will be quoted a higher premium which usually ends up with the customer not buying. The ads state "customers who switch" but not "drivers who get quotes" save that much money. That's why insurance companies can confidently state the savings.

This emphasizes why you need to quote coverage with many companies. It's just too difficult to predict the company that will have the lowest rates.

Additional car insurance information can be found on the website for the Pennsylvania Insurance Department found here. Visitors are able to read industry bulletins, view a list of available companies, report car insurance fraud, and read enforcement actions against agents and companies.

compare Morgantown car insurance rates

The best insurance company isn't always the cheapest

Cost effective car insurance can be sourced both online as well as from independent agents in Morgantown, and you should compare price quotes from both to have the best selection. Some insurance companies don't offer online price quotes and these regional insurance providers work with independent agents.

As you restructure your insurance plan, it's very important that you do not reduce coverage to reduce premium. There are too many instances where an insured dropped physical damage coverage only to discover later that they should have had better coverage. Your strategy should be to buy a smart amount of coverage at the best price while still protecting your assets.