How to Know You're Throwing Money Away for Auto Insurance in Mt Joy

Have you had enough of robbing Peter to pay Paul each month for car insurance? Your situation is no different than the majority of other car owners in Pennsylvania.

You have so many to buy insurance from, and although it's a good thing to have a choice, lots of choices makes it harder to compare rates.

It's important to price shop coverage once or twice a year because prices are constantly changing. Just because you had the best deal on your last policy there may be better deals available now. So just forget all the misinformation about auto insurance because you're going to get a crash course in the only way to lower your annual insurance bill.

Mt Joy auto insurance quote

Are you getting all your discounts?

Companies offering auto insurance don't always list every available discount very clearly, so here is a list both well-publicized and the harder-to-find discounts you could be receiving.

  • Anti-theft Discount - Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Military Discounts - Being deployed with a military unit could mean lower rates.
  • Good Students Pay Less - Getting good grades can get you a discount of up to 25%. The discount lasts until age 25.
  • E-sign - Certain companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Club Memberships - Participating in a qualifying organization may earn a discount on your policy.
  • Payment Discounts - By paying your policy upfront rather than paying monthly you could save 5% or more.

A little note about advertised discounts, some of the credits will not apply to the entire cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like you can get free auto insurance, you won't be that lucky.

For a list of providers offering auto insurance discounts in Pennsylvania, click here.

Compare the Market for Auto Insurance in Mt Joy

Most major insurance companies like Allstate and Progressive provide coverage price quotes online. This process doesn't take a lot of time as you simply enter the amount of coverage you want as detailed in the form. Once entered, the company's rating system will obtain credit information and your driving record and returns a price quote. Quoting online makes it a lot easier to compare rates but the time required to go to several different sites and enter the same data into a form is repetitive and time-consuming. But it's very important to perform this step if you want to find the best price on auto insurance.

A more efficient way to find cheaper rates uses one form to return rates from several different companies. The form is fast, eliminates form submissions, and makes quoting online much more enjoyable. After sending your information, it gets priced and you can choose any one of the quotes that you receive. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. The whole process takes just a few minutes to complete and you will find out if you're overpaying now.

To find out if lower rates are available, click here to open in new window and complete the simple form. If you have a policy now, it's recommended you replicate your coverages as close as possible to your current policy. This helps ensure you will receive comparison quotes based on identical coverages.

The best insurance company isn't always the cheapest

When you buy insurance online, never sacrifice coverage to reduce premiums. Too many times, an insured dropped comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. The aim is to buy enough coverage for the lowest price, not the least amount of coverage.

You just read a lot of techniques to get a better price on auto insurance. The key thing to remember is the more quotes you get, the better chance you'll have of finding lower rates. You may be surprised to find that the lowest rates come from a smaller regional carrier. These companies may cover specific market segments cheaper than the large multi-state companies such as .