Car Insurance in Oakmont - 6 Discounts You Might be Losing Out On

People who are new to buying insurance online will discover finding low-cost Oakmont car insurance quite difficult.

It's important to compare rates periodically since rates are constantly changing. Even if you got the best price two years ago a different company probably has better rates today. Ignore everything you know about car insurance because we're going to demonstrate the only way to lower your rates without sacrificing coverage.

Take advantage of discounts

The price of auto insurance can be rather high, but there could be available discounts that many people don't even know exist. Certain discounts will be triggered automatically at the time of purchase, but a few need to be specially asked for prior to receiving the credit.

Bundle and Save - If you have multiple policies with the same company you may earn 10% to 20% off each policy.
Early Signing - Some insurance companies reward drivers for switching to them prior to your current policy expiring. This can save 10% or more.
Anti-theft System - Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
Accident Forgiveness - Certain companies will forgive one accident before your rates go up as long as you don't have any claims for a certain period of time.
Anti-lock Brakes - Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
New Car Discount - Insuring a new car is cheaper compared to insuring an older model.

It's important to note that some of the credits will not apply to the entire policy premium. Most cut individual premiums such as collision or personal injury protection. Even though it may seem like you could get a free car insurance policy, you're out of luck. But any discount will bring down your overall premium however.

How to know if you need help

When it comes to buying the right insurance coverage for your vehicles, there isn't really a "perfect" insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight whether your personal situation will benefit from professional help.

What are the best liability limits?
Does my car insurance cover rental cars?
Do I need special endorsements for business use of my vehicle?
Does my policy cover me when driving someone else's vehicle?
Can I get a multi-policy discount for packaging my home and auto coverage?
Can I still get insurance after a DUI?

If you can't answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don't have a local agent, complete this form.

Are car insurance companies telling the truth?

Car insurance companies such as GEICO, State Farm and Progressive constantly bombard you with ads on TV and radio. They all seem to have a common claim that you can save if you switch to their company. How does each company make the same claim?

Different companies have a certain "appetite" for the driver that earns them a profit. For example, a desirable insured could be between the ages of 40 and 55, a clean driving record, and chooses high deductibles. Any new insured that hits that "sweet spot" gets the lowest rates and most likely will save when switching.

Potential customers who don't qualify for these standards will have to pay higher prices and this can result in business going elsewhere. The ads say "customers that switch" not "people who quote" save that much. That is how insurance companies can state the savings.

Because of the profiling, drivers should get as many comparisons as possible. It's just too difficult to predict which company will give you the biggest savings.

More information can be found on the Pennsylvania Insurance Department website located here. Consumers can view agent and company licensing information, file complaints about a company, and read consumer alerts.

Shop smart and save

When buying insurance coverage, never skimp on coverage in order to save money. In many instances, someone dropped physical damage coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase plenty of coverage at a price you can afford.

You just learned a lot of techniques to reduce car insurance prices online. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. You may even find the lowest priced car insurance comes from the least-expected company.

Lower-priced car insurance can be found from both online companies and also from your neighborhood Oakmont agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.