Lower Online Newtown Auto Insurance Prices With These Tips

If you are a novice to online auto insurance shopping, it's easy to get overwhelmed due to the large number of auto insurance companies competing for business in Newtown.

It's important to get comparison quotes periodically because insurance rates are constantly changing. Despite the fact that you may have had the lowest price a year ago there is a good chance you can find better rates now. Block out anything you think you know about auto insurance because you're about to learn one of the best ways to buy cheaper auto insurance.

Shopping for the cheapest protection in Newtown is easy if you know what you're doing. In a nutshell, everyone who has to buy auto insurance will be able to lower their premiums. Nevertheless, Pennsylvania drivers do need to know how big insurance companies compete online because it can help you find the best coverage.

Understand what determines the rate you pay

Consumers need to have an understanding of some of the elements that help determine the price you pay for auto insurance. When you know what positively or negatively determines base rates helps enable you to make changes that may reward you with better auto insurance rates.

  • Teen drivers pay high rates - Teen drivers in Pennsylvania are known to be more careless behind the wheel so auto insurance rates are higher. Parents adding a teen driver onto your auto insurance can really hurt. Older drivers are viewed as being more responsible, tend to cause fewer accidents and are safer drivers.
  • Traffic violations increase rates - Just one citation may increase your cost by as much as thirty percent. Drivers with clean records tend to pay less for car insurance compared to drivers with tickets. Drivers who have flagrant citations like hit and run, DWI or reckless driving convictions may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.
  • How many coverages with the same company - Many companies will give a discount to customers who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, it's in your best interest to comparison shop to confirm you are receiving the best rates possible.
  • Your auto insurance rates can be influenced by your job - Did you know that where you work can have an impact on rates? Jobs such as judges, architects and stock brokers are shown to have the highest rates in part from job stress and long work hours. On the other hand, occupations like scientists, students and performers pay the least.

Newtown auto insurance comparison

Newtown Auto Insurance Comparisons

Effectively comparing auto insurance prices can take hours if you don't understand the easiest way. You can spend your afternoon discussing policy coverages with local insurance agents in Newtown, or you can stay home and use the internet to get the quickest rates.

Most of the larger companies participate in a marketplace that allows shoppers to submit their information once, and at least one company then gives them pricing determined by their information. This eliminates the need for quotation requests for each company you want a rate for.

To submit your quote information now, click here to open in new window.

One minor caviat to getting quotes like this is that consumers can't choose which providers to receive prices from. So if you prefer to choose individual companies to request quotes from, we have a listing of the cheapest auto insurance companies in Pennsylvania. Click to view list.

Which method you use is up to you, but be sure to compare apples-to-apples coverage information for each comparison quote. If your comparisons have unequal deductibles or liability limits you will not be able to determine the lowest rate in Newtown. Just a small difference in coverage limits could mean much higher rates. Keep in mind that having more price comparisons provides better odds of finding the best offered rates.

How much can you save with discounts?

The cost of insuring your cars can be expensive, but companies offer discounts to cut the cost considerably. A few discounts will automatically apply when you purchase, but less common discounts must be specifically requested before being credited.

  • Discount for New Cars - Putting insurance coverage on a new car can cost up to 25% less compared to insuring an older model.
  • Good Student - This discount can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
  • College Student - Children who are attending college and do not have access to a covered vehicle can receive lower rates.
  • Anti-theft System - Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Military Discounts - Having a deployed family member may qualify for rate reductions.
  • No Claims - Good drivers with no accidents pay much less as compared to accident-prone drivers.
  • Driver Safety - Taking a course in driver safety can save you 5% or more if your company offers it.
  • Save over 55 - If you're over the age of 55, you may be able to get a discount up to 10%.

Consumers should know that most credits do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like you could get a free auto insurance policy, companies don't profit that way. Any qualifying discounts will help reduce the amount you have to pay.

To choose companies who offer auto insurance discounts in Pennsylvania, follow this link.

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

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream television and radio advertisements. They all seem to say the same thing of big savings after switching your policy. But how can every company make almost identical claims? This is how they do it.

Different companies have a certain "appetite" for the right customer that makes them money. For instance, a desirable insured could possibly be between 30 and 50, a clean driving record, and has excellent credit. A driver who fits that profile receives the best rates and is almost guaranteed to save a lot of money.

Consumers who don't meet this ideal profile will have to pay higher prices which usually ends up with the driver buying from a lower-cost company. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that kind of money. That is how insurance companies can confidently make those claims.

Because of the profiling, you need to get as many comparisons as possible. It is impossible to predict which company will have the lowest rates.

How much car insurance do I need?

When buying the best auto insurance coverage for your vehicles, there really is no one size fits all plan. Every insured's situation is different.

For example, these questions may help highlight if your insurance needs might need professional guidance.

  • Should I file a claim if it's only slightly more than my deductible?
  • Do I need to file an SR-22 for a DUI in Pennsylvania?
  • What are Pennsylvania no-fault laws?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Am I covered when delivering products for my home-based business?
  • Are there companies who specialize in insuring high-risk drivers?

If you don't know the answers to these questions then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form.

Additional auto insurance information is located on the Pennsylvania Insurance Department website. Click here for link. Pennsylvania consumers can read enforcement actions against agents and companies, file complaints about a company, and read consumer alerts.

Other informative sites include Auto Insurance 101 and this page where you can research Newtown insurance agents.

Pennsylvania auto insurance

Do the work, save more money

While you're price shopping online, do not reduce coverage to reduce premium. There are many occasions where someone dropped liability coverage limits only to discover later they didn't purchase enough coverage. Your aim should be to buy enough coverage for the lowest price.

In this article, we presented a lot of information how to compare auto insurance prices online. The most important thing to understand is the more times you quote, the better chance you'll have of finding lower rates. You may even find the best prices are with a lesser-known regional company.

Cost effective auto insurance can be bought online in addition to many Newtown insurance agents, so compare prices from both in order to have the best price selection to choose from. Some companies do not provide online price quotes and most of the time these small, regional companies sell through independent agents.