Car Insurance in New Alexandria - 7 Discounts to Save Money

Overpriced car insurance can empty your savings account and make it impossible to make ends meet. Shopping your coverage around is free, only takes a few minutes, and is a good way to help make ends meet.

Drivers have multiple to buy insurance from, and even though it's nice to be able to choose, it can be more challenging to compare rates.

It's important to compare prices quite often since rates are constantly changing. Even if you got the best deal last year you can probably find a better price now. So ignore everything you know about car insurance because we're going to show you the proper way to find lower rates on car insurance.

How much can you save with these seven discounts?

Companies that sell car insurance do not list all their discounts very clearly, so here is a list both the well known as well as the least known savings tricks you should be using.

College Student - Kids in college who live away from home and do not have access to a covered vehicle can receive lower rates.
Life Insurance - Some companies give a discount if you purchase auto and life insurance together.
Sign Online - A handful of insurance companies may give you up to $50 just for signing your application over the internet.
Driver Safety - Taking part in a defensive driving course could cut 5% off your bill if your company offers it.
Passive Restraint Discount - Factory air bags or automatic seat belts may earn rate discounts up to 30%.
Drivers Education - Cut your cost by having your teen driver complete a driver education course if it's offered in school.
Service Members Pay Less - Being on active duty in the military may qualify for rate reductions.

Keep in mind that most discount credits are not given to the overall cost of the policy. The majority will only reduce individual premiums such as liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, it just doesn't work that way.

To choose companies who offer car insurance discounts in Pennsylvania, click here to view.

Save 15 percent in 15 minutes? Is it for real?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream television and radio advertisements. They all seem to make an identical promise that you can save after switching to their company. How does each company claim to save you money?

All the different companies have a preferred profile for the driver that makes them money. An example of a desirable insured might be between the ages of 30 and 50, insures multiple vehicles, and has great credit. Any new insured who meets those qualifications gets the lowest rates and is almost guaranteed to save when switching.

Potential customers who don't meet these standards will have to pay a higher premium and ends up with the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much. This is how insurance companies can advertise the savings. Because of the profiling, you should get quotes from several different companies. It's just too difficult to predict which insurance companies will give you the biggest savings.

How much car insurance do I need?

When buying proper insurance coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions may help you determine if your insurance needs might need an agent's assistance.

Why does it cost so much to insure a teen driver in New Alexandria?
Do I pay less if my vehicle is kept in my garage?
What are the financial responsibility laws in Pennsylvania?
I have good health insurance, so how much medical payments coverage do I need?
Does my liability insurance cover pulling a trailer or camper?
Does my personal policy cover me when driving my company car?
Should I rate my vehicle as pleasure use or commute?
Should I file a claim if it's only slightly more than my deductible?

If you're not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

More sites with car insurance information

Additional detailed information is available at the Pennsylvania Insurance Department website. Visitors are able to read enforcement actions against agents and companies, file complaints about an insurance agent or broker, get help finding coverage, and discover disciplinary actions.

The best insurance company isn't always the cheapest

As you prepare to switch companies, never buy poor coverage just to save money. There are many occasions where drivers have reduced liability limits or collision coverage only to find out that the small savings ended up costing them much more. Your aim should be to buy the best coverage you can find at a price you can afford.

Affordable car insurance can be purchased both online and also from your neighborhood New Alexandria agents, and you should compare price quotes from both to have the best rate selection. There are still a few companies who may not provide online price quotes and most of the time these smaller companies sell through independent agents.

We just covered some good ideas how you can save on car insurance. The most important thing to understand is the more times you quote, the better your chances of lowering your rates. Consumers could even find that the lowest rates come from the least-expected company. Some small companies can often insure niche markets at a lower cost compared to the large companies like .