Best Way to Find Cheap North Wales Car Insurance

Finding better rates for North Wales car insurance is a challenge for beginners to comparison shopping online. You have so many companies to choose from that it can quickly become a big hassle to locate the lowest price in North Wales.

It's important to price shop coverage once or twice a year because rates are constantly changing. If you had the best rates a couple years back the chances are good that you can find a lower rate today. Don't believe everything you read about car insurance online but we're going to give you some great ways to save money.

More discounts equal less premium

Car insurance can cost a lot, buy you may qualify for discounts to help offset the cost. Some trigger automatically when you get a quote, but some may not be applied and must be asked about before you will receive the discount.

Passive Restraints and Air Bags - Vehicles with factory air bags may earn rate discounts of 20% or more.
Drivers Education - Have your child take driver's ed class in high school.
Pay Upfront and Save - By paying your policy upfront instead of paying each month you could save 5% or more.
Multi-policy Discount - When you combine your home and auto insurance with the same insurance company you will save approximately 10% to 15%.
Military Discounts - Being deployed with a military unit can result in better rates.
Homeowners Pay Less - Being a homeowner can save you money because of the fact that having a home demonstrates responsibility.

As a disclaimer on discounts, some credits don't apply to the entire cost. Most only cut the price of certain insurance coverages like medical payments or collision. Just because you may think having all the discounts means you get insurance for free, car insurance companies aren't that generous. Any amount of discount will bring down your premiums.

To see a list of providers with the best car insurance discounts in Pennsylvania, click here.

Fast and Easy North Wales Car Insurance Quotes

Most companies like State Farm and Allstate provide coverage price quotes on the web. The process doesn't take a lot of time as you simply enter the amount of coverage you want into the quote form. Once you submit the form, their rating system will obtain reports for credit and driving violations and generates pricing information based on these factors.

This makes it a lot easier to compare rates but the time it takes to visit several different sites and type in the same information is not the best way to spend an afternoon. Unfortunately, it is important to perform this step if you want to find a lower rate.

The preferred way to find cheaper rates utilizes a single form that analyzes rates from a bunch of companies at once. It's a real time-saver, helps eliminate reptitive entry, and makes online shopping much more enjoyable and efficient. Immediately after you send the form, it gets priced and you are able to buy any one of the price quotes you receive.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. The whole process can be completed in a matter of minutes and you'll know if lower rates are available.

If you want to find out how much you're overpaying now, click here and input your coverage information. If you have your current policy handy, we recommend you copy the coverages identical to your current policy. This makes sure you will be getting rate comparison quotes based on the exact same insurance coverage.

Learn How to Buy Car Insurance Cheaper

An important part of buying insurance is that you know the factors that come into play when calculating your car insurance rates. Knowing what impacts premium levels helps enable you to make changes that can help you get big savings.

The list below includes some of the items that factor into your rates.

Better credit scores mean better rates - Your credit rating is a huge factor in your rate calculation. Consumers who have good credit tend to be less risk to insure as compared to drivers with lower credit ratings. Therefore, if your credit rating can use some improvement, you could pay less to insure your by spending a little time repairing your credit.
More claims means more premium - If you are a frequent claim filer, you can definitely plan on higher rates. Insurance companies in Pennsylvania generally give lower rates to insureds who do not rely on their insurance for small claims. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
Theft deterrents lower rates - Driving a car with anti-theft technology or alarm system can get you a discount on your car insurance. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft.
Big city or small town - Being located in less populated areas has it's advantages when it comes to car insurance. Urban drivers have congested traffic and longer commutes to work. Lower population means reduced accidents and a lower car theft rate.
One company can mean more discounts - The majority of insurance companies give discounts to policyholders who buy several policies from them in the form of a multi-policy discount. Even if you're getting this discount it's in your best interest to compare rates to confirm you are receiving the best rates possible. Consumers may find better rates by insuring with multiple companies.
Rates may be lower depending on your job - Occupations like real estate brokers, social workers and financial analysts are shown to have higher average rates in part from high stress levels and lots of time spent at work. Conversely, jobs such as farmers, engineers and the unemployed pay the least.
Safe vehicles cost less to insure - Vehicles with good safety scores get lower rates. Safer cars have better occupant injury protection and fewer injuries translates into fewer and smaller insurance claims and thus lower rates.

Switch companies and save? Really?

Companies like State Farm and Allstate regularly use ads in print and on television. All the ads have a common claim about savings if you move your policy. How does each company make the same claim? This is how they do it.

All the different companies can use profiling for the right customer that is profitable for them. A good example of a preferred risk could be between 25 and 40, has no tickets, and drives less than 10,000 miles a year. A customer that hits that "sweet spot" will qualify for the lowest rates and therefore will save when switching.

Drivers who do not match these standards will be charged higher premiums and this can result in business going elsewhere. The ad wording is "drivers who switch" not "everyone that quotes" save that kind of money. That's why companies can truthfully advertise the way they do.

That is why drivers must get a wide range of price quotes. Because you never know the company that will provide you with the cheapest rates.

Affordable insurance is out there

We just showed you a lot of ways to compare car insurance prices online. The key concept to understand is the more you quote, the higher the chance of saving money. You may even discover the most savings is with a lesser-known regional company.

Drivers who switch companies do it for any number of reasons including poor customer service, extreme rates for teen drivers, unfair underwriting practices or policy non-renewal. It doesn't matter why you want to switch switching car insurance companies is actually quite simple.

As you go through the steps to switch your coverage, make sure you don't reduce coverage to reduce premium. There have been many cases where an insured dropped collision coverage and discovered at claim time that the savings was not a smart move. Your goal should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

More Pennsylvania car insurance information

Additional information can be read on the Pennsylvania Insurance Department website. Click here for link. Consumers can find out industry alerts, download brochures, and view a list of available companies.

Additional helpful sites include NAIC.org's Understanding your Policy and this directory of North Wales insurance agents.