Free Guide to Cutting Costs on Northampton Car Insurance Online
Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us when we tell you many Northampton consumers feel financially strained by their car insurance policy. Drivers have multiple to buy insurance from, and although it's a good thing to have a choice, it can be more challenging to compare rates.
Are you getting all your discounts?
Insurance can cost an arm and a leg, but you can get discounts that you may not know about. A few discounts will automatically apply at the time of quoting, but less common discounts must be manually applied before you will receive the discount. If you're not getting every credit possible, you're just leaving money on the table.
- Club Memberships - Being a member of a qualifying organization is a good way to get lower rates when buying car insurance.
- Fewer Miles Equal More Savings - Fewer annual miles could be rewarded with discounted rates on garaged vehicles.
- Paperless Signup - Certain companies may give you up to $50 for buying your policy over the internet.
- Student in College - Kids in college who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.
- Auto/Home Discount - When you have multiple policies with one insurance company you may save up to 20% off your total premium.
- Federal Government Employee - Simply working for the federal government can save as much as 8% depending on your company.
As a disclaimer on discounts, most discounts do not apply the the whole policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, car insurance companies aren't that generous. Any amount of discount will bring down the cost of coverage.
For a list of insurers who offer car insurance discounts in Pennsylvania, click here to view.
How to Compare Northampton Car Insurance Costs
Most major insurance companies like Allstate, GEICO and Progressive provide coverage prices online. Obtaining pricing is pretty painless as you just enter the coverage amounts you desire as detailed in the form. Once entered, the system will obtain information on your driving record and credit history and returns pricing information based on these and other factors. Quoting online helps simplify price comparisons, but the time it takes to visit several different sites and type in the same information gets old quite quickly. But it's very important to have as many quotes as possible if you want to find the best price on car insurance.
Quote rates the easy way
A more efficient way to find better car insurance pricing makes use of a single form to get prices from a bunch of companies at once. The form is fast, requires much less work on your part, and makes online price comparison much more efficient. As soon as you send your information, it gets priced and you can select any one of the quotes that you receive.
If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. The whole process just takes a couple of minutes and you'll know if lower rates are available.
In order to find out if lower rates are available, click here to open in new window and complete the simple form. If you have coverage now, it's recommended you replicate identical to your current policy. This helps ensure you're receiving comparison quotes based on identical coverages.
Best coverage at the best price
Cheap car insurance can be sourced both online and also from your neighborhood Northampton agents, so compare prices from both to have the best chance of lowering rates. Some car insurance companies may not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.
When shopping online for car insurance, never sacrifice coverage to reduce premiums. In too many instances, an insured dropped liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your focus should be to get the best coverage possible for the lowest price while not skimping on critical coverages.
