Top Ways to Save on Northern Cambria Auto Insurance

Overpriced auto insurance can empty your personal savings and make it impossible to make ends meet. Shopping your coverage around is free, only takes a few minutes, and is a good way to cut your insurance bill. Companies like GEICO and Progressive all claim big savings with ad campaigns and consumers find it hard to sift through the bull and find the best price available.

It's important to get comparison quotes yearly since insurance rates are constantly changing. Even if you got the lowest price on your last policy the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about auto insurance because you're about to find out the tricks you need to know to properly buy coverages while reducing your premium.

Are you getting all your discounts?

Companies don't always advertise all their discounts in a way that's easy to find, so we researched some of the best known and also the lesser-known savings tricks you should be using. If you aren't receiving every discount you deserve, you're paying more than you need to.

Accident Waiver - A handful of insurance companies allow you one accident before raising your premiums as long as you don't have any claims for a certain period of time.
Life Insurance - Some companies give better rates if you take out life insurance from them.
New Vehicle Savings - Insuring a new car can be considerably cheaper compared to insuring an older model.
No Claims - Drivers who don't have accidents pay much less as compared to bad drivers.
Drivers Ed for Students - Have your child complete a driver education course if it's offered in school.

Keep in mind that most discount credits are not given to your bottom line cost. Most only apply to specific coverage prices like liability, collision or medical payments. So even though it sounds like you could get a free auto insurance policy, it just doesn't work that way.

To see a list of companies who offer auto insurance discounts in Northern Cambria, click here to view.

How to Get Cheap Auto Insurance in Northern Cambria, PA

Most companies allow you to get insurance quotes directly from their websites. Getting online quotes doesn't take much effort as you just type in your required coverages as detailed in the form. Once you submit the form, their system will obtain your driving and credit reports and returns a price quote based on these and other factors. Online quotes makes it a lot easier to compare rates but the process of having to visit different websites and enter the same data into a form gets old quite quickly. But it's very important to have as many quotes as possible in order to find the best price on auto insurance.

There is a better way!

The preferred way to compare auto insurance pricing requires only one form that gets price quotes from several different companies. The form is fast, eliminates repetitive work, and makes online price comparison much more enjoyable. After sending your information, it is rated and you can select your choice of the price quotes you receive. If you find a better price you can click and sign and buy the policy. The entire process just takes a couple of minutes and may save quite a bit of money.

To quickly find out if lower rates are available, click here to open in new window and submit the form. If you have coverage now, it's recommended that you enter the insurance coverages as shown on your current policy. This makes sure you're receiving a price comparison based on the exact same insurance coverage.

Understand what determines the rate you pay

An important part of buying insurance is that you know the different types of things that help determine auto insurance rates. Having a good understanding of what influences your rates helps enable you to make changes that may reward you with better auto insurance rates.

Pay less if you're married - Having a wife or husband can get you a discount on your policy. It usually means you are more mature and statistics show married drivers get in fewer accidents.
Where you live - Residing in a small town can be a good thing when buying auto insurance. Fewer people means reduced accidents as well as less vandalism and auto theft. City drivers tend to have much more traffic to deal with and longer commutes to work. Longer commute distances can result in more accidents.
Please use or commuting - Driving more miles in a year's time the more you will pay for auto insurance. The majority of insurers price each vehicle's coverage based on their usage. Cars and trucks that are left in the garage receive lower rates than vehicles that are driven to work every day. Verify your auto insurance coverage is rated on the proper vehicle usage, because improper ratings can cost you money.
Do you have a high stress job? - Did you know your auto insurance rates can be affected by your occupation? Jobs such as judges, business owners and dentists are shown to have the highest average rates due to high stress and long work hours. Other occupations such as pilots, historians and performers pay the least.
Small claims can cost you - Car insurance companies in Pennsylvania award cheaper rates to drivers who do not rely on their insurance for small claims. If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Car insurance is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.

Tailor your coverage to you

When choosing the best auto insurance coverage for your personal vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else's so your insurance should reflect that For instance, these questions can help discover whether you might need professional guidance.

I have good health insurance, so how much medical payments coverage do I need?
When does my teenage driver need to be added to my policy?
Can I still get insurance after a DUI?
What companies insure drivers after a DUI or DWI?
Is my cargo covered for damage or theft?
Why am I required to get a high-risk car insurance policy?
Why does it cost so much to insure a teen driver in Northern Cambria?

If you're not sure about those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

How can State Farm, GEICO and Progressive save drivers who switch?

Pennsylvania drivers can't get away from ads for car insurance savings from companies such as State Farm, GEICO and Progressive. They all seem to make an identical promise that you can save after switching your policy.

How can each company say the same thing? It's all in the numbers.

Different companies have a preferred profile for the right customer that is profitable for them. For instance, a desirable insured might be profiled as between 30 and 50, has no prior claims, and has great credit. A propective insured who meets those qualifications is entitled to the best price and as a result will probably save when they switch companies.

Potential customers who are not a match for the requirements will have to pay a more expensive rate and ends up with business not being written. The ads state "customers who switch" not "everybody who quotes" save that kind of money. This is how insurance companies can advertise the savings. Because of the profiling, drivers must get a wide range of price quotes. It's not possible to predict which insurance companies will fit your personal profile best.

A tidy conclusion

Affordable auto insurance can be purchased on the web in addition to many Northern Cambria insurance agents, so compare prices from both to have the best rate selection. There are still a few companies who do not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

When you buy insurance online, it's a bad idea to reduce coverage to reduce premium. In many cases, consumers will sacrifice liability coverage limits only to discover later that the few dollars in savings costed them thousands. Your aim should be to buy a smart amount of coverage at the best price.

Additional detailed information is located at the Pennsylvania Insurance Department website. Pennsylvania drivers can get help finding coverage, view agent and company licensing information, file complaints about an insurance agent or broker, and read industry bulletins.