Free Guide to Spending Less for New Wilmington Auto Insurance Online

I can't think of anyone who cherishes buying auto insurance, particularly when the cost is way too high.

Numerous battle for your business, and it can be difficult to compare rates and uncover the absolute lowest price

Don't pay full price with these discounts

Companies do not list all available discounts in an easy-to-find place, so we took the time to find both the well known and the harder-to-find auto insurance savings.

Multiple Cars - Having all your vehicles on one policy qualifies for this discount.
Anti-theft Discount - Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
Clubs and Organizations - Being a member of certain professional organizations could qualify you for a break when buying auto insurance.
Paperless Signup - Certain companies may give you up to $50 for buying your policy on their website.
Use Seat Belts - Requiring all passengers to wear their seat belts can save 10% or more off your PIP or medical payments premium.
No Accidents - Good drivers with no accidents can save substantially when compared with drivers who are more careless.

A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like it's possible to get free car insurance, you won't be that lucky.

Good Decisions Result in Lower Rates

Smart consumers have a good feel for some of the elements that play a part in calculating the rates you pay for auto insurance. Understanding what impacts premium levels enables informed choices that could result in lower auto insurance prices.

Shown below are a few of the "ingredients" auto insurance companies consider when setting premiums.

Lower deductibles cost more - Your deductibles represent how much money you are willing to pay out-of-pocket before a claim is paid by your company. Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. Some instances where coverage would apply would be colliding with a building, damage from fire, or theft. The higher the amount you are required to pay out-of-pocket, the lower your rates will be.
Bundling policies can get discounts - Some companies will award you with lower prices to insureds who buy several policies from them. It's known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even if you're getting this discount it's in your best interest to compare other company rates to ensure the best deal.
Liability coverage is cheap - Your policy's liability coverage is the coverage that protects you if you are found liable for causing damage or personal injury in an accident. Liability insurance provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so buy as much as you can afford.
Marriage pays dividends - Having a spouse helps lower the price when buying auto insurance. Having a spouse means you're more responsible it has been statistically shown that married couples file fewer claims.

Your personal situation dictates your coverage

When it comes to buying the right insurance coverage for your vehicles, there is no perfect coverage plan. Everyone's situation is unique so your insurance needs to address that. Here are some questions about coverages that might point out whether or not you might need an agent's assistance.

Am I covered when driving on a suspended license?
Do I need special endorsements for business use of my vehicle?
Are rental cars covered under my policy?
Am I covered if I wreck a rental car?
Does my liability insurance cover pulling a trailer or camper?
Does my policy cover my teen driver if they drive my company car?
Why am I be forced to buy a membership to get insurance from some companies?

If you don't know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

The auto insurance bait and switch

Allstate, GEICO and Progressive consistently run ads in print and on television. All the companies say the same thing about savings if you change to their company. How do they all claim to save you money? This is how they do it.

All companies have a certain "appetite" for the driver that earns them a profit. For example, a profitable customer might be between the ages of 30 and 50, owns a home, and has great credit. A customer getting a price quote who fits that profile receives the best rates and therefore will cut their rates substantially.

Potential customers who don't measure up to the "perfect" profile must pay higher prices which usually ends up with the customer not buying. Company advertisements say "drivers who switch" not "everyone that quotes" save that much. That is how companies can truthfully advertise the savings. This illustrates why drivers should compare many company's rates. It's impossible to know which company will give you the biggest savings.

Even more information can be found at the Pennsylvania Insurance Department website. Visitors are able to report car insurance fraud, read consumer alerts, find out which companies have the most complaints, and get help finding coverage.

Shop smart and save

Cheaper auto insurance can be sourced both online and also from your neighborhood New Wilmington agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

As you prepare to switch companies, never skimp on coverage in order to save money. In too many instances, an insured cut physical damage coverage only to discover later that the small savings ended up costing them much more. Your focus should be to buy enough coverage for the lowest price while not skimping on critical coverages.