Top Ways to Save on Munhall Car Insurance

Are you tired of being strong-armed each month for car insurance? You're in the same situation as many other Pennsylvania drivers.

Having so many car insurance companies to choose from, it can be challenging to choose the cheapest provider.

It's important to compare prices once or twice a year due to the fact that insurance rates are constantly changing. Just because you found the best rates six months ago you may be paying too much now. You can find a lot of misleading information regarding car insurance online, so I'm going to show you some great ways to slash your car insurance rates.

Fast and Easy Munhall Car Insurance Quotes

Effectively comparing car insurance prices can take time and effort if you don't know the most efficient way. You could spend your day talking about coverages with local insurance agents in Munhall, or you can utilize the internet to get the quickest rates.

All the larger companies belong to a marketplace that allows shoppers to submit one quote, and each company then gives them pricing based on that data. This system prevents you from having to do quote requests to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The one disadvantage to pricing coverage this way is you don't know exactly which companies to receive prices from. So if you want to select specific providers to receive pricing from, we put together a list of low cost car insurance companies in Pennsylvania. Click to view list.

It's up to you how you get prices quotes, just double check that you are using apples-to-apples quote information with every price quote. If you have mixed coverages it will be next to impossible to find the best deal in Munhall. Having just a slight variation in coverages can result in a big premium difference. It's important to know that comparing a large number of companies provides better odds of finding the best offered rates.

Munhall car insurance comparison

How to Lower your Car Insurance Rates

It's important that you understand the rating factors that help determine the rates you pay for car insurance. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that may reward you with lower car insurance prices.

  • Women pay lower rates - The statistics show women tend to be less risk to insure than men. However, this does not mean women are BETTER drivers than men. Women and men have accidents at a similar rate, but the males have costlier accidents. They also have more aggressive citations like DUI and reckless driving. Youthful male drivers are several times more likely to be in an accident and thus pay the highest rates.
  • Equipment add-ons that lower car insurance rates - Driving a car that has an advanced theft prevention system can help lower your rates. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder your vehicle from being stolen.
  • Do you qualify for a multi-policy discount? - Many car insurance companies will give a discount to insureds who have multiple policies with them, otherwise known as a multi-policy discount. Even if you're getting this discount you may still want to shop around to verify if the discount is saving money. You may still find better rates by insuring with multiple companies.
  • Liability coverage protects you - Liability coverage will protect you if ever you are found liable for personal injury or accident damage. It provides you with a defense in court starting from day one. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should carry high limits.
  • Discounts for married couples - Getting married can get you a discount on your car insurance policy. It translates into being more responsible and it's statistically proven that drivers who are married are more cautious.
  • Bad driving skills means higher rates - Your driving citation history has a big impact on rates. Drivers who don't get tickets receive lower rates compared to drivers with tickets. Only having one moving violation can bump up the cost by twenty percent. Drivers who have flagrant citations such as DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.
  • More miles equals more premium - Driving more miles every year the more you will pay for car insurance. Almost all companies charge to insure your cars based upon how you use the vehicle. Autos left parked in the garage get more affordable rates compared to those used for work or business. Make sure your car insurance coverage properly reflects the proper vehicle usage.

Be sure to get all your discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that you may not know about. Some discounts apply automatically at the time you complete a quote, but some may not be applied and must be requested specifically prior to getting the savings.

  • Senior Citizens - Older drivers may be able to get a small decrease in premiums.
  • Payment Method - If paying your policy premium upfront rather than paying monthly you could save up to 5%.
  • One Accident Forgiven - Some insurance companies permit an accident without raising rates as long as you don't have any claims prior to the accident.
  • Braking Control Discount - Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy could earn a price break for each car.
  • Air Bag Discount - Factory air bags can receive discounts of 20% or more.

As a disclaimer on discounts, most discount credits are not given to the entire cost. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears all the discounts add up to a free policy, car insurance companies aren't that generous. Any amount of discount will help reduce the amount you have to pay.

For a list of companies who offer car insurance discounts in Pennsylvania, click this link.

Additional information can be read on the website for the Pennsylvania Insurance Department through this link. Visitors are able to learn about insurance regulations, view a list of available companies, read consumer alerts, and find out which companies have the most complaints.

Other useful links include this Car Insurance FAQ and this page of insurance agents in Munhall.

compare Munhall car insurance rates

Final considerations

As you restructure your insurance plan, do not reduce needed coverages to save money. There are many occasions where an insured dropped collision coverage and discovered at claim time that they should have had better coverage. Your aim should be to find the BEST coverage at an affordable rate.

Cheap car insurance can be sourced both online as well as from independent agents in Munhall, and you should be comparing both to have the best rate selection. Some insurance companies don't offer online quoting and most of the time these small insurance companies sell through independent agents.