5 Discounts Mountain Top Shoppers Forget when Quoting Car Insurance

Searching for affordable Mountain Top car insurance over the internet can seem to be rather challenging for beginners to comparison shopping online. When there are so many insurers to choose from, how can consumers even start to compare every one to find the cheapest available price?

If you are insured now or are shopping for new coverage, you will benefit by learning to shop for the lowest rates and still get good coverage. Shopping for affordable car insurance coverage in Mountain Top is easy if you know what you're doing. Pennsylvania drivers only need an understanding of the most effective way to compare rates online.

car insurance in Mountain Top

Policy discounts you shouldn't miss

Insurance can be prohibitively expensive, but companies offer discounts to help offset the cost. Larger premium reductions will be automatically applied at quote time, but a few must be manually applied in order for you to get them. If they aren't giving you every credit you deserve, you are paying more than you should be.

  • Defensive Driving Course - Completing 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 discount up to 10%.
  • Student Driver Training - Cut your cost by having your teen driver enroll in driver's education in high school.
  • Auto/Home Discount - If you insure your home and vehicles with one company you could get a discount of up to 20% off your total premium.
  • Anti-theft Discount - Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.

Consumers should know that most discounts do not apply to the overall cost of the policy. Most only reduce individual premiums such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, companies don't profit that way. Any qualifying discounts will cut the amount you have to pay.

To choose insurers with the best car insurance discounts in Mountain Top, click here to view.

Save $429 a year? Really?

Consumers can't ignore all the ads for car insurance savings from companies such as 21st Century, Allstate and State Farm. All the companies make an identical promise of big savings if you move your policy.

How do they all make the same claim?

All companies have a preferred profile for the right customer that makes them money. For instance, a profitable customer could be a mature driver, insures multiple vehicles, and has a short commute. Any new insured who meets those qualifications will get the preferred rates and is almost guaranteed to cut their rates substantially.

Potential insureds who don't qualify for the "perfect" profile must pay more money and ends up with business going elsewhere. The ads state "customers that switch" but not "drivers who get quotes" save that kind of money. This is how insurance companies can confidently make the claims of big savings.

This illustrates why you should get a wide range of price quotes. It's just too difficult to predict which insurance companies will fit your personal profile best.

Insurance agents can help

When buying the best car insurance coverage for your personal vehicles, there is no "perfect" insurance plan. Everyone's needs are different.

For example, these questions may help you determine whether your personal situation would benefit from professional advice.

  • Should I rate my vehicle as pleasure use or commute?
  • Should I buy additional glass protection?
  • Is rental equipment covered for theft or damage?
  • Do I really need UM/UIM coverage?
  • Am I covered when driving in Canada or Mexico?
  • Do I have coverage for damage caused while driving under the influence?
  • What is the difference between comprehensive and collision coverage?
  • Does my personal auto insurance policy cover using my vehicle for business use?

If you're not sure about those questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can help protect your family.

More sites with car insurance information

Additional car insurance information is located on the Pennsylvania Insurance Department website located here. Consumers can discover disciplinary actions, learn about insurance regulations, and view a list of available companies.

Mountain Top car insurance comparison

And the best car insurance company is...

Cost effective car insurance is possible from both online companies in addition to many Mountain Top insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance providers do not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

As you shop your coverage around, you should never buy poor coverage just to save money. There are a lot of situations where drivers have reduced collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible at a price you can afford while not skimping on critical coverages.

People who switch companies do it for a number of reasons such as delays in responding to claim requests, denial of a claim, extreme rates for teen drivers or even questionable increases in premium. No matter why you want to switch, choosing a new insurance company is easier than you think.