Free Guide to Paying Less for New Britain Auto Insurance Online

Are you tired of scraping the payment together each month for car insurance? You're in the same situation as many other drivers in Pennsylvania.

Since consumers have many insurance companies to choose from, it can be diffult for consumers to find the cheapest company.

Finding affordable coverage in New Britain is quite easy. If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using this information. Nevertheless, Pennsylvania drivers do need to know the way companies sell online and apply this information to your search.

Why some people pay less for insurance in New Britain

Consumers need to have an understanding of the different types of things that help determine the price you pay for auto insurance. When you know what positively or negatively determines base rates allows you to make educated decisions that could result in much lower annual insurance costs.

The following are a few of the "ingredients" companies use to determine premiums.

Protect yourself with liability coverage - Liability coverage will protect you if a court rules you are at fault for damages from an accident. It provides for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not cut corners here.
Occupation reflects on rates - Did you know that where you work can have an impact on rates? Occupations such as lawyers, business owners and stock brokers tend to pay the highest rates in part from job stress and long work days. On the other hand, occupations like farmers, students and performers have the lowest average rates.
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. Both sexes have accidents in similar percentages, but the male of the species have costlier accidents. Men also tend to receive more costly citations such as DWI and reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and are penalized with high auto insurance rates.
Consolidate policies to earn discounts - Many insurers will award you with lower prices to customers who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, it's in your best interest to comparison shop to make sure you are getting the best deal. You may still find better rates by buying auto insurance from a different company.
Bump up deductibles to save - Deductibles for physical damage represent how much money you are required to spend in the event of a claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Examples of covered claims could be colliding with a building, damage caused by hail, and burglary. The higher the amount you're willing to pay, the less your company will charge you for insurance.
Never let your coverage lapse - Allowing your coverage to lapse will be a guaranteed way to trigger a rate increase. Not only will rates go up, but being ticketed for driving with no insurance may earn you a revoked license or a big fine.You may then be required to submit proof of financial responsibility or a SR-22 with the Pennsylvania DMV.
Safe vehicles cost less to insure - Vehicles with high crash test scores can get you lower premiums. Safe vehicles result in less severe injuries and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates.
Lower rates with optional equipment - Driving a car with anti-theft technology or alarm system can help lower your rates. Theft prevention features like GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.

How much can you save with discounts?

Companies offering auto insurance don't list all available discounts very well, so we took the time to find both well-publicized and the harder-to-find savings tricks you should be using.

Organization Discounts - Participating in a professional or civic organization is a good way to get lower rates when buying auto insurance.
Accident Free - Claim-free drivers can save substantially when compared with accident-prone drivers.
One Accident Forgiven - Some insurance companies will allow you to have one accident before hitting you with a surcharge so long as you haven't had any claims for a set time period.
Theft Prevention Discount - Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
Multiple Vehicles - Buying insurance for multiple vehicles with the same company qualifies for this discount.
Auto/Home Discount - If you insure your home and vehicles with one company you will save at least 10% off all policies.
Seat Belts Save - Using a seat belt and requiring all passengers to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.

It's important to understand that most discount credits are not given to the entire cost. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, it doesn't quite work that way.

To choose insurers who offer auto insurance discounts in Pennsylvania, click here to view.

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

Allstate, GEICO and Progressive continually stream television and radio advertisements. All the companies make an identical promise of big savings after switching to them. But how can every company make almost identical claims? This is how they do it.

Insurance companies can use profiling for the type of driver that makes them money. For example, a profitable customer could possibly be between the ages of 30 and 50, is a homeowner, and drives less than 7,500 miles a year. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Potential insureds who don't meet this ideal profile must pay more money and ends up with the driver buying from a lower-cost company. The ad wording is "drivers who switch" but not "drivers who get quotes" save money. That's why insurance companies can confidently advertise the way they do. This illustrates why you should get as many quotes as possible. It's impossible to know the company that will provide you with the cheapest rates.

Learn more today

More tips and info about auto insurance can be found at the Pennsylvania Insurance Department website. Pennsylvania consumers can find out which companies have the most complaints, read industry bulletins, learn about insurance regulations, and read consumer alerts.

Other informative sites include this link for Pennsylvania auto insurance quotes and this link which helps you find a New Britain agent.

Shop smart and save

Low-cost auto insurance can be sourced online and with local New Britain insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some auto insurance companies do not offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

When shopping online for auto insurance, do not buy poor coverage just to save money. In too many instances, an accident victim reduced physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.