Top 10 Ways to Get Lower Rates on Car Insurance in New Freedom, PA

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Believe me when I say you're not the only one. Online insurance companies like GEICO and Progressive continually hit you with catchy ads and it can be hard to sift through the bull and do the work needed to find the best deal.

How much can you save with these ten discounts?

Insurance can be prohibitively expensive, buy you may qualify for discounts to help bring down the price. Larger premium reductions will be automatically applied when you complete an application, but a few need to be inquired about before they will apply. If you aren't receiving every discount possible, you are paying more than you should be.

Fewer Miles Equal More Savings - Low mileage vehicles can earn better rates on cars that stay parked.
Organization Discounts - Being a member of a civic or occupational organization could trigger savings when buying car insurance.
Lower Rates for Military - Having a family member in the military could be rewarded with lower premiums.
Federal Government Employee - Employees or retirees of the government could cut as much as 10% off depending on your company.
Auto/Life Discount - Companies who offer life insurance give better rates if you take out life insurance.
Safety Course Discount - Successfully completing a defensive driving course could possibly earn you a 5% discount if your company offers it.
Auto/Home Discount - If you insure your home and vehicles with one company you may save at least 10% off all policies.
Claim Free - Drivers with accident-free driving histories can save substantially when compared with accident-prone drivers.
Discount for Good Grades - This discount can earn a discount of 20% or more. This discount can apply up until you turn 25.
Student in College - Any of your kids who attend school more than 100 miles from home and don't have a car can receive lower rates.

As a disclaimer on discounts, many deductions do not apply to all coverage premiums. Most only reduce specific coverage prices like liability and collision coverage. Just because you may think adding up those discounts means a free policy, car insurance companies aren't that generous. Any amount of discount will reduce the amount you have to pay.

To choose insurers with discount car insurance rates in New Freedom, click this link.

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

Consumers in Pennsylvania can't ignore all the ads that promise big savings from the likes of 21st Century, Allstate and State Farm. All the companies make the same claim about savings if you change your coverage to them.

How can each company claim to save you money? It's all in the numbers.

Insurance companies are able to cherry pick for the type of customer that makes them money. For example, a profitable customer might be a mature driver, has no driving citations, and has great credit. Any new insured who matches those parameters will get the preferred rates and is almost guaranteed to save when they switch companies.

Consumers who don't meet the requirements must pay higher rates which leads to the customer not buying. The ads state "customers who switch" but not "drivers who get quotes" save that much money. That's the way companies can truthfully advertise the savings.

This illustrates why you should compare as many rates as you can. It's just too difficult to predict which car insurance company will fit your personal profile best.

Learn more about Pennsylvania car insurance

Additional information can be found on the website for the Pennsylvania Insurance Department found here. Visitors are able to find disaster information, find out which companies have the most complaints, download brochures, and discover disciplinary actions.

Best coverage at the best price

Cheap car insurance is attainable both online as well as from independent agents in New Freedom, and you need to price shop both to get a complete price analysis. There are still a few companies who don't offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

When you buy insurance online, it's a bad idea to buy poor coverage just to save money. There are a lot of situations where someone sacrificed physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible at the best price while not skimping on critical coverages.