10 Discounts Narberth Shoppers Forget when Buying Car Insurance

I can't think of a single person who cherishes buying car insurance, particularly when their premiums are too high. You have multiple to buy insurance from, and although it's a good thing to have a selection, having more makes it harder to compare rates.

It's important to do rate comparisons occasionally since rates are constantly changing. If you had the lowest price a few years ago you can probably find a lower rate today. Block out anything you think you know about car insurance because we're going to demonstrate one of the easiest ways to find great coverage at a great price.

Narberth car insurance comparison

Finding Car Insurance in Narberth, PA

Most companies like Progressive, GEICO, Allstate and State Farm provide pricing online. Getting quotes is pretty easy as you just type in your coverage preferences as detailed in the form. When the form is submitted, the system will obtain your driving record and credit report and generates pricing information determined by many factors. Quoting online makes comparing rates easy, but the time it takes to visit each company's website and repetitively type in the same information can be a bit tiresome and repetitive. But it's very important to do this if you want to find the best price on car insurance.

Quote rates the easy way

A quicker way to get multiple rate quotes is to use a quote form that gets price quotes from many companies. The form is fast, requires less work, and makes comparison shopping much more enjoyable and efficient. As soon as you send your information, it gets priced and you are able to buy any one of the quotes returned. If the quotes result in lower rates, you simply finish the application and purchase coverage. The whole process just takes a couple of minutes and you'll know if lower rates are available.

To find out if lower rates are available, click here to open in new window and complete the simple form. If you have coverage now, it's recommended you replicate deductibles and limits identical to your current policy. This ensures you are getting comparison quotes for similar insurance coverage.

Are you getting all your discounts?

Companies that sell car insurance don't list all their discounts very clearly, so we researched both the well known and the more hidden car insurance savings. If you're not getting every credit you qualify for, you're paying more than you need to.

  • College Student - Children who are attending college without a vehicle on campus can be insured at a reduced rate.
  • Anti-theft Discount - Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Pay Upfront and Save - If you pay your bill all at once instead of paying each month you can actually save on your bill.
  • Accident Forgiveness - Certain companies permit an accident before raising your premiums as long as you don't have any claims prior to the accident.
  • Bundle and Save - When you combine your home and auto insurance with one insurance company you may earn up to 20% off your total premium.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
  • Federal Employees - Being employed by or retired from a federal job can save as much as 8% with select insurance companies.
  • Defensive Driving Course - Completing a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Senior Citizens - Mature drivers can possibly qualify for reduced rates.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. Most only cut the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, car insurance companies aren't that generous.

To see a list of companies with the best car insurance discounts in Pennsylvania, follow this link.

Tailor your coverage to you

When choosing the best car insurance coverage for your vehicles, there isn't really a "best" method to buy coverage. Each situation is unique and a cookie cutter policy won't apply. For instance, these questions might point out whether you may require specific advice.

  • What are Pennsylvania no-fault laws?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What can I do if my company won't pay a claim?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What is the difference between comprehensive and collision coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when driving in Canada or Mexico?

If you don't know the answers to these questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Even more information is located at the Pennsylvania Insurance Department website. Visitors are able to read enforcement actions against agents and companies, read consumer alerts, view a list of available companies, and get help finding coverage.