How to Know You're Spending Too Much for Car Insurance in Newtown Square

Having to pay for overpriced car insurance can empty your personal savings and make it hard to pay other bills. Comparing price quotes is free, only takes a few minutes, and is a good way to help make ends meet.

You have so many to buy insurance from, and though it is a good thing to have a choice, lots of choices makes it harder to compare rates.

Buying car insurance in Newtown Square is quite easy. Basically, anyone who has to buy car insurance stands a good chance to be able to cut their insurance bill. Nevertheless, Pennsylvania consumers do need to know how big insurance companies price online insurance because it can help you find the best coverage.

Where Can I Get Cheap Newtown Square Car Insurance?

There are several ways of comparing rates from local Newtown Square car insurance companies. The recommended way to find the cheapest insurance rates consists of obtaining rate quotes online. This can be accomplished in just a few minutes using one of these methods.

The first (and easiest) way to find low rates is to use a rate comparison form (click to open form in new window). This easy form eliminates the need for separate quotes to each individual car insurance company. A single, simple form compares rates instantly.

A slightly less efficient method to compare rate quotes is going to the website of each company to complete their respective quote request forms. For example, we'll assume you want comparison quotes from , and . To find out each rate you need to visit each site and enter your information, which is why the first method is more popular.

To view a list of companies in Newtown Square, click here.

It's up to you which method you use, but make sure you use identical coverage limits and deductibles on every quote you get. If you have different liability limits it will be impossible to determine which rate is truly the best in Newtown Square. Quoting even small variations in coverage limits may result in large price differences. And when comparing car insurance rates, know that comparing more company's prices helps locate the best rates.

Tips to Get Lower Newtown Square Rates

It's important that you understand the different types of things that go into determining the rates you pay for car insurance. Knowing what determines base rates empowers consumers to make smart changes that will entitle you to big savings.

High numbers of claims are not good - If you tend to file frequent claims, you can expect higher rates. Companies in Pennsylvania award lower rates to policyholders who do not file claims often. Insurance coverage is intended for the bigger claims that can't be paid out-of-pocket.
More people means more accidents - Residing in less populated areas can save you money when talking about car insurance. Drivers who live in large cities have to deal with traffic congestion and much longer commute distances. Less people living in that area means a lower chance of having an accident as well as less vandalism and auto theft.
Consolidate policies to earn discounts - Most insurers provide better rates to insureds who carry more than one policy in the form of a multi-policy discount. If you currently are using one company, you still need to shop around to verify if the discount is saving money.
Older drivers save more - Youthful drivers in Pennsylvania are statistically proven to be careless and easily distracted when driving so they pay higher car insurance rates. Parents adding a teen driver onto a policy can be quite pricey. More mature drivers are more cautious drivers, file fewer claims and receive fewer citations.
Battle of the sexes - Statistics have proven that women are safer drivers than men. That doesn't necessarily mean that women are BETTER drivers than men. They both tend to get into accidents in similar numbers, but the men cause more damage. Men also statistically receive more costly citations like DUI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and thus pay the highest rates.

Take advantage of discounts

Companies don't always list every discount very clearly, so we researched both the well known as well as the least known savings tricks you should be using.

Government Employees - Simply working for the federal government may qualify you for a discount with a few car insurance companies.
Multiple Policy Discount - When you have multiple policies with the same company you could get a discount of approximately 10% to 15%.
Anti-lock Brake System - Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
Distant Student - Kids in college who are attending college and do not have a car may qualify for this discount.
Senior Citizens - Older drivers may qualify for a small decrease in premiums.
Low Mileage Discounts - Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
Drivers Education - Require your teen driver to successfully complete driver's ed class in school.

It's important to understand that most discount credits are not given to your bottom line cost. Some only reduce individual premiums such as comp or med pay. Just because it seems like all those discounts means the company will pay you, it doesn't quite work that way.

For a list of insurance companies offering car insurance discounts in Pennsylvania, click here to view.

How to know if you need help

When it comes to choosing the best car insurance coverage for your personal vehicles, there isn't really a perfect coverage plan. Everyone's needs are different so your insurance should reflect that These are some specific questions can help discover whether your personal situation might need professional guidance.

Do I have coverage for damage caused while driving under the influence?
What is the difference between comprehensive and collision coverage?
Do I need PIP (personal injury protection) coverage in Pennsylvania?
Why does it cost so much to insure a teen driver in Newtown Square?
Should I buy additional glass protection?
Is my dog or cat covered if injured in an accident?
Is my cargo covered for damage or theft?

If you're not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. If you don't have a local agent, simply complete this short form or you can also visit this page to select a carrier

More tips and info about car insurance is located at the Pennsylvania Insurance Department website. Visitors are able to download brochures, view agent and company licensing information, read consumer alerts, and read enforcement actions against agents and companies.

Affordable insurance is out there

When shopping online for car insurance, it's very important that you do not reduce needed coverages to save money. There are too many instances where consumers will sacrifice collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to find the BEST coverage at a price you can afford while still protecting your assets.

Low-cost car insurance can be found both online as well as from independent agents in Newtown Square, so compare prices from both to have the best rate selection. Some car insurance companies don't offer online quoting and these small, regional companies work with independent agents.