New Hope Auto Insurance For Less Than You're Paying Now

Finding lower premiums on New Hope auto insurance is nearly impossible for beginners to comparison shopping online. Drivers have so many options that it can be a big hassle to find the best price in New Hope.

It's important to compare prices once or twice a year because insurance rates are constantly changing. Just because you had the best deal last year the chances are good that you can find a lower rate today. Starting now, forget all the misinformation about auto insurance because you're about to learn the only way to find lower rates on auto insurance.

Take advantage of discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that you may not even be aware of. Larger premium reductions will be automatically applied when you purchase, but lesser-known reductions have to be asked for before being credited. If you don't get every credit available, you're paying more than you need to.

Save over 55 - Mature drivers may qualify for a small decrease in premiums.
Lower Rates for Military - Being on active duty in the military could mean lower rates.
Early Signing - Some insurance companies reward drivers for switching policies before your current expiration date. This can save 10% or more.
Anti-theft Discount - Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
Drive Less and Save - Driving fewer miles can qualify you for discounted rates on garaged vehicles.

Keep in mind that most discounts do not apply to the entire cost. A few only apply to individual premiums such as liability, collision or medical payments. Just because you may think you can get free auto insurance, it just doesn't work that way. But any discount will help reduce your overall premium however.

To see a list of companies offering auto insurance discounts in Pennsylvania, click here to view.

Compare the Market for Auto Insurance in New Hope

Finding cheaper auto insurance prices isn't really that difficult. Just spend a few minutes on the computer comparing rate quotes provided by online insurance companies. This can be accomplished using a couple different methods.

The best way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This easy form keeps you from doing separate quotation requests for every auto insurance company. Taking the time to complete one form will return quotes from auto insurance companies with the best prices. This is by far the quickest method.
A less efficient way to compare rate quotes is to take the time to go to each company's website and fill out their own quote form. For instance, let's say you want rates from , and . To get rate quotes you would need to go to every website and enter your information, which is why the first method is more popular. To view a list of companies in New Hope, click here.
The least recommended way to compare rates is driving to local insurance agencies. Shopping for auto insurance online has reduced the need for local agents unless you require the professional advice of a local agent. However, consumers can obtain prices from the web and still use a local agent.

It's your choice how you get your quotes, but double check that you are using apples-to-apples coverages and limits for each comparison quote. If your comparisons have different deductibles it will be impossible to determine the lowest rate in New Hope.

How to Lower your Auto Insurance Rates

An important part of buying insurance is that you know the different types of things that go into determining the price you pay for auto insurance. When you know what positively or negatively influences your rates empowers consumers to make smart changes that may reward you with lower auto insurance prices.

Are you male or female? - The statistics show women tend to be less risk to insure than men. That doesn't necessarily mean that women are BETTER drivers than men. Women and men tend to get into accidents at about the same rate, but the males cause more damage. They also receive more costly citations such as DWI and reckless driving. Young males are most likely to cause an accident and therefore have the most expensive auto insurance rates.
Safer occupants lowers premiums - Cars with high safety ratings can get you lower premiums. These vehicles protect occupants better and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates.
Traffic violations increase rates - Your driving citation history has a big impact on rates. Just one speeding ticket can bump up the cost by twenty percent. Drivers who don't get tickets have lower premiums than bad drivers. Drivers who have serious citations such as DUI or reckless driving may need to file a SR-22 with their state DMV in order to continue driving.
Multiple policies with one company can save - Most insurers will give a discount to customers who carry more than one policy, otherwise known as a multi-policy discount. Even with this discount, you still need to compare rates to verify if the discount is saving money. You may still be able to find better rates by splitting coverages up.
Low deductibles can be expensive - Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. A few examples of covered claims could be a windshield shattered by a rock, damage caused by hail, and windstorm damage. Deductibles for physical damage are how much you are willing to pay in the event of a claim. The more money you have to pay, the less your company will charge you for insurance.
Pleasure use saves money - The more miles you rack up on your car every year the more you will pay for auto insurance. Almost all companies apply a rate based on their usage. Cars and trucks left parked in the garage can get a lower rate than those used for commuting. Make sure your auto insurance policy properly reflects how each vehicle is driven, because it can save money.
Pay less after the wedding - Being married can actually save you money on your policy. It translates into being more mature and it's proven that drivers who are married are more cautious.

Are auto insurance companies telling the truth?

Pennsylvania consumers can't get away from ads for the lowest price auto insurance from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to make an identical promise that you can save if you switch your coverage to them.

But how can every company make almost identical claims?

All companies can use profiling for the type of customer that is profitable for them. An example of a desirable insured could possibly be a mature driver, has no tickets, and drives newer vehicles. A driver who meets those qualifications receives the best rates and most likely will save a lot of money.

Consumers who don't qualify for this ideal profile will have to pay higher prices and ends up with the driver buying from a lower-cost company. Company advertisements say "customers that switch" not "people who quote" save that much money. That's why insurance companies can claim big savings.

Because of the profiling, drivers must get as many comparisons as possible. It is impossible to predict the company that will give you the biggest savings.

In the end, you save

When trying to cut insurance costs, do not reduce coverage to reduce premium. There are many occasions where an insured dropped comprehensive coverage or liability limits to discover at claim time that it was a big mistake. Your aim should be to buy enough coverage at a price you can afford.

People switch companies for a number of reasons such as denial of a claim, unfair underwriting practices, high prices or policy non-renewal. No matter why you want to switch, choosing a new insurance company is actually quite simple.

In this article, we presented many tips how you can compare auto insurance prices online. The key thing to remember is the more times you quote, the higher the chance of saving money. You may even find the best price on auto insurance is with a small local company.

More information is available on the Pennsylvania Insurance Department website located here. Pennsylvania consumers can learn about insurance regulations, find disaster information, and file complaints about a company.

Additional helpful sites include this Car Insurance FAQ and this page of insurance agents in New Hope.