Best 10 Ways You Can Buy Car Insurance for Less in North East

Scraping up a payment for overpriced car insurance can dwindle your checking account and put a big crunch on your finances. Doing a price comparison is a smart way to cut your insurance bill.

Companies like State Farm, Allstate, GEICO and Progressive persitently shower you with ad campaigns and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.

It's important to shop coverage around yearly since rates are constantly changing. Just because you found the best price last year you will most likely find a better rate today. Forget anything you know (or think you know) about car insurance because you're about to find out how to use online quotes to properly buy coverages while reducing your premium.

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using this information. Finding affordable coverage in North East is easy if you know what you're doing. But Pennsylvania car owners do need to know how the larger insurance companies sell online and apply this information to your search.

Be sure to get all your discounts

Companies offering auto insurance don't list all their discounts in a way that's easy to find, so we took the time to find some of the more common and also the lesser-known car insurance savings.

Accident Waiver - A handful of insurance companies allow you one accident before your rates go up as long as you don't have any claims for a set time period.
Discount for Life Insurance - Select insurance companies reward you with better rates if you take out life insurance.
Own a Home - Owning a house in North East may trigger a car insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
Lower Rates for Military - Having a deployed family member may qualify for rate reductions.
Theft Prevention Discount - Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
Drive Less and Save - Fewer annual miles can earn lower rates on the low mileage vehicles.
Claim Free - Drivers who don't have accidents can save substantially as compared to drivers who are more careless.
Bundle and Save - If you have multiple policies with one company you could get a discount of at least 10% off all policies.
Sign Online - A few companies will give a small break for buying a policy and signing up digitally online.
College Student - Children who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.

Drivers should understand that most credits do not apply to your bottom line cost. Most only apply to specific coverage prices like liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, companies wouldn't make money that way.

How do I know if I need professional advice?

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a "perfect" insurance plan. Your needs are not the same as everyone else's and a cookie cutter policy won't apply. For example, these questions can help discover whether or not you will benefit from professional help.

I have good health insurance, so how much medical payments coverage do I need?
What are the financial responsibility laws in Pennsylvania?
Does my policy cover my teen driver if they drive my company car?
Am I covered when pulling a rental trailer?
Does my personal auto insurance policy cover using my vehicle for business use?
Is my dog or cat covered if injured in an accident?
Am I covered when delivering products for my home-based business?

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Is there truth in advertising?

Car insurance companies such as State Farm, GEICO and Progressive continually stream television and radio advertisements. They all seem to say the same thing that you'll save big after switching your coverage to them. How can each company make the same claim? It's all in the numbers.

Insurance companies have a preferred profile for the type of customer that earns them a profit. For example, a desirable insured could be between the ages of 40 and 55, has no prior claims, and drives newer vehicles. Any new insured who fits that profile is entitled to the best price and is almost guaranteed to save when they switch companies.

Potential insureds who don't measure up to the requirements will have to pay more money which usually ends up with business going elsewhere. The ads state "customers who switch" but not "drivers who get quotes" save that much money. This is how companies can claim big savings. Because of the profiling, you should get as many quotes as possible. It's just too difficult to predict which insurance companies will give you the biggest savings.

Learn more about car insurance in Pennsylvania

More detailed Pennsylvania car insurance information can be found at the Pennsylvania Insurance Department website. Consumers can get help finding coverage, file complaints about an insurance agent or broker, view a list of available companies, and find disaster information.

Do the work, save more money

Budget-conscious car insurance can be sourced from both online companies as well as from independent agents in North East, so you should be comparing quotes from both in order to have the best chance of saving money. A few companies don't offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

When trying to cut insurance costs, it's not a good idea to buy lower coverage limits just to save a few bucks. In many cases, consumers will sacrifice physical damage coverage only to regret at claim time that it was a big mistake. Your aim should be to buy a smart amount of coverage at the best price.