How to Get Cheap New Kensington Car Insurance

Finding low-cost New Kensington car insurance on the web is intimidating for consumers new to buying insurance on the web. Since there are so many companies in the marketplace, how can consumers even start to compare the different rates to find the best price?

It's important to get comparison quotes quite often because rates are constantly changing. Even if you got the lowest price on your last policy a different company probably has better rates today. Don't believe everything you read about car insurance on the web, but we're going to give you some great ways to find cheap car insurance.

How much can you save with discounts?

Car insurance can cost a lot, but companies offer discounts to reduce the price significantly. Certain discounts will be triggered automatically at the time of quoting, but a few must be inquired about before you will receive the discount.

Good Student Discount - Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
Resident Student - Any of your kids who are attending college and do not have access to a covered vehicle can receive lower rates.
Auto/Life Discount - Companies who offer life insurance give a discount if you purchase life insurance.
Multi-policy Discount - If you have multiple policies with one company you could get a discount of at least 10% off all policies.
Passive Restraints and Air Bags - Vehicles with factory air bags or automatic seat belts may earn rate discounts of 20% or more.
No Claims - Drivers who don't have accidents pay much less compared to drivers who are more careless.

As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. A few only apply to the price of certain insurance coverages like medical payments or collision. So when it seems like adding up those discounts means a free policy, car insurance companies aren't that generous. Any amount of discount will bring down the amount you have to pay.

Understand what determines the rate you pay

Smart consumers have a good feel for the rating factors that help determine your car insurance rates. Knowing what impacts premium levels helps enable you to make changes that can help you get much lower annual insurance costs.

How's your driving record? - Drivers with clean records tend to pay less for car insurance compared to drivers with tickets. Only having one moving violation may increase your cost by as much as thirty percent. Drivers who get flagrant violations like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
Older drivers pay less - Young drivers in Pennsylvania are known to be less responsible when driving so they pay higher car insurance rates. If you've ever had to add a teen driver onto your car insurance can be very expensive. More mature drivers tend to be more responsible, statistically cause fewer accidents and are safer drivers.
Big city or small town - Residing in small towns and rural areas has it's advantages when it comes to car insurance. Drivers in populated areas tend to have congested traffic and longer commutes to work. Lower population means reduced accidents as well as less vandalism and auto theft.
Clean credit earns discounts - Your credit history is a huge factor in determining what you pay for car insurance. If your credit rating is not that good, you could potentially save money when insuring your by spending a little time repairing your credit. Consumers who have high credit ratings tend to be less risk to insure than drivers who have lower credit scores.
Save money with special equipment - Purchasing a vehicle with anti-theft technology or alarm system can get you a discount on your car insurance. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.

How much car insurance do I need?

When it comes to buying the best car insurance coverage for your personal vehicles, there isn't really a best way to insure your cars. Every insured's situation is different.

For example, these questions may help you determine if your insurance needs will benefit from professional help.

Do I need to file an SR-22 for a DUI in Pennsylvania?
Do I pay less if my vehicle is kept in my garage?
When does my teenage driver need to be added to my policy?
What are the best liability limits?
Should I drop comprehensive coverage on older vehicles?
What companies insure drivers after a DUI or DWI?
Am I covered when pulling a rental trailer?
Am I covered when driving in Canada or Mexico?

If it's difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form.

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

Companies like State Farm and Allstate continually stream television and radio advertisements. All the ads make the same claim about savings after switching your policy. How does each company make the same claim? This is how they do it.

Insurance companies have a preferred profile for the right customer that earns them a profit. For instance, a preferred risk could be between the ages of 40 and 55, insures multiple vehicles, and has great credit. A customer who matches those parameters receives the best rates and is almost guaranteed to save when switching.

Potential insureds who don't meet these standards will be charged more money which leads to business going elsewhere. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that kind of money. This is how companies can truthfully advertise the savings.

That is why drivers should get quotes from several different companies. Because you never know which insurance companies will fit your personal profile best.

More sites with car insurance information

Additional information is located on the Pennsylvania Insurance Department website. Click here for link. Consumers can file complaints about a company, read enforcement actions against agents and companies, and view agent and company licensing information.

Also read more on III.org's auto insurance page and this directory of insurance agents in New Kensington Pennsylvania.

Affordable insurance is out there

We just showed you some good ideas how to reduce car insurance prices online. The most important thing to understand is the more you quote, the higher your chance of finding lower rates. Consumers could even find that the lowest priced car insurance comes from a lesser-known regional company.

When you buy insurance online, make sure you don't skimp on coverage in order to save money. There have been many cases where drivers have reduced collision coverage and learned later that the few dollars in savings costed them thousands. Your goal should be to buy enough coverage for the lowest price, not the least amount of coverage.

Insureds change insurance companies for any number of reasons including poor customer service, not issuing a premium refund, delays in paying claims and even policy non-renewal. It doesn't matter what your reason, switching car insurance companies is less work than it seems.