Car Insurance in New Eagle - 6 Discounts to Save Money

Finding better rates for New Eagle car insurance is a challenge for consumers not familiar with comparing rates online. Consumers have so many choices that it can be more work than you anticipated to compare prices in New Eagle.

It's important to take a look at other company's rates before your policy renews since rates are constantly changing. Even if you got the best price two years ago you can probably find a better price now. Block out anything you think you know about car insurance because you're about to learn the tricks you need to know to lower your rates without sacrificing coverage.

More discounts equal less premium

Insuring your vehicles can cost a lot, but you can get discounts to reduce the price significantly. A few discounts will automatically apply when you quote, but a few need to be specially asked for prior to getting the savings.

  • Homeowners Pay Less - Owning a house in New Eagle can save you money due to the fact that maintaining a home is proof that your finances are in order.
  • Employee of Federal Government - Employees or retirees of the government may qualify you for a discount with select insurance companies.
  • Bundle and Save - If you insure your home and vehicles with the same insurance company you will save approximately 10% to 15%.
  • Early Switch Discount - Some insurance companies reward drivers for switching to them prior to your current policy expiration. It's a savings of about 10%.
  • Anti-lock Brakes - Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
  • 55 and Retired - If you're over the age of 55, you may be able to get better car insurance rates.

As a disclaimer on discounts, some credits don't apply to the entire cost. The majority will only reduce individual premiums such as liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, car insurance companies aren't that generous. Any amount of discount will help reduce your premiums.

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

Switch companies and save? Really?

Car insurance companies such as State Farm, GEICO and Progressive continually stream ads in print and on television. They all seem to have a common claim about savings after switching to their company. But how can every company make the same claim?

All the different companies can use profiling for the driver that makes them money. For example, a desirable insured could be between 30 and 50, is a homeowner, and chooses high deductibles. Any new insured that hits that "sweet spot" gets the lowest rates and therefore will save a lot of money.

Potential customers who do not match this ideal profile will have to pay a higher premium and this can result in business going elsewhere. Company advertisements say "customers that switch" not "everyone that quotes" save that much. That's why companies can truthfully state the savings.

Because of the profiling, you should quote coverage with many companies. It's just too difficult to predict the company that will give you the biggest savings.

Learn more today

Additional information can be found on the Pennsylvania Insurance Department website located here. Consumers can report car insurance fraud, download brochures, and view agent and company licensing information.

Other informative sites include this page for Pennsylvania car insurance and this page for help finding agents in New Eagle, PA.

Do the work, save more money

Cheap car insurance can be purchased from both online companies and also from your neighborhood New Eagle agents, so compare prices from both to have the best rate selection. Some insurance companies may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

Drivers change insurance companies for a number of reasons such as an unsatisfactory settlement offer, high rates after DUI convictions, policy non-renewal or even high prices. It doesn't matter why you want to switch choosing a new insurance company is easier than you think.

When buying insurance coverage, don't be tempted to buy poor coverage just to save money. In many cases, an accident victim reduced physical damage coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find at a price you can afford.