Car Insurance in Natrona, PA - 7 Tricks to Save Money

Tired of not being able to afford each month for car insurance? You are no different than many other drivers in Pennsylvania.

Lots of contend for your business, so it's not easy to compare every and get the definite lowest rate

Are you getting all your discounts?

Companies that sell car insurance don't always advertise every discount in an easy-to-find place, so we took the time to find both the well known and also the lesser-known savings tricks you should be using.

Student Driver Training - Have your child successfully complete driver's ed class if it's offered in school.
Payment Method - If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
Life Insurance - Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
Driver Safety - Completing a defensive driving course could save 5% or more and easily recoup the cost of the course.
Multiple Policy Discount - When you combine your home and auto insurance with one insurance company you will save up to 20% off your total premium.
Anti-theft Discount - Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
Multiple Vehicles - Buying coverage for multiple vehicles on the same car insurance policy can get a discount on all vehicles.

As a disclaimer on discounts, most discount credits are not given to the entire cost. Most only cut specific coverage prices like liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, car insurance companies aren't that generous.

To see a list of insurance companies who offer car insurance discounts in Natrona, click here to view.

How to Compare Car Insurance Costs in Natrona

Most companies such as State Farm, Allstate and GEICO provide pricing online. Getting quotes is pretty easy as you simply type in the amount of coverage you want as detailed in the form. Once you submit the form, the system will obtain your driving record and credit report and generates pricing information. Online price quotes makes comparing rates easy, but the time it takes to visit multiple sites and complete many quote forms 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

The preferred way to find cheaper rates is to use a quote form that gets prices from many companies. The form is fast, requires less work, and makes comparison shopping much more enjoyable and efficient. As soon as the form is sent, it gets priced and you can select any of the price quotes you receive. If you find a better price you simply finish the application and purchase the new policy. The whole process takes 15 minutes at the most 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 fill out the form. If you currently have coverage, we recommend you input the insurance coverages identical to your current policy. This makes sure you are getting a rate comparison based on the exact same insurance coverage.

How can State Farm, Allstate and GEICO save drivers who switch?

Car insurance providers like State Farm, Allstate and GEICO continually stream ads on television and other media. They all make an identical promise about savings after switching to them. How do they all claim to save you money? It's all in the numbers.

All companies can use profiling for the type of driver that is profitable for them. For example, a driver they prefer might be over the age of 50, has no tickets, and chooses high deductibles. Any new insured who meets those qualifications will qualify for the lowest rates and as a result will probably cut their rates substantially.

Consumers who are not a match for the "perfect" profile will be quoted higher rates and ends up with the customer not buying. The ad wording is "customers who switch" not "everybody who quotes" save money. That's why companies can truthfully state the savings. This emphasizes why drivers must get quotes from several different companies. It's just too difficult to predict the company that will give you the biggest savings.

Affordable insurance is out there

When buying insurance coverage, you should never reduce coverage to reduce premium. There have been many situations where an insured dropped physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase a proper amount of coverage at the best price while still protecting your assets.

Cheap car insurance can be purchased both online and with local Natrona insurance agents, and you should be comparing both to get a complete price analysis. Some insurance companies do not offer the ability to get a quote online and these regional insurance providers work with independent agents.

More Pennsylvania car insurance information

Even more information can be found at the Pennsylvania Insurance Department website. Visitors are able to download brochures, view a list of available companies, file complaints about an insurance agent or broker, and discover disciplinary actions.