How to Get Cheaper Oreland Car Insurance

Finding lower rates for Oreland car insurance is hard for beginners to comparison shopping online. There are so many choices that it can easily become a big hassle to find lower rates in Oreland.

If you currently have a car insurance policy, you will be able to lower your premiums substantially using this information. This information will instruct you on how to effectively get price quotes and some money-saving tips. Although Pennsylvania consumers do need to know the way companies sell insurance online and apply this information to your search.

Be sure to get all your discounts

Insurance can cost an arm and a leg, but there are discounts available that you may not even be aware of. Certain discounts will be applied when you quote, but less common discounts must be manually applied prior to getting the savings.

Memberships - Being a member of certain professional organizations may earn a discount when buying car insurance.
Military Rewards - Being deployed with a military unit could mean lower rates.
Good Students Pay Less - A discount for being a good student can earn a discount of 20% or more. This discount can apply until age 25.
Multi-car Discount - Buying insurance for more than one vehicle on the same car insurance policy could earn a price break for each car.
Save with a New Car - Buying coverage on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.
One Accident Forgiven - A few companies permit an accident before raising your premiums so long as you haven't had any claims for a set time period.
Paperless Signup - A few companies may give you up to $50 for buying your policy on their website.

A little note about advertised discounts, some credits don't apply to the entire cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like adding up those discounts means a free policy, you won't be that lucky. Any amount of discount will cut the amount you have to pay.

To see a list of insurers offering car insurance discounts in Oreland, click here.

How to Compare Car Insurance Costs in Oreland

There are several ways you can shop for car insurance and some are easier and takes less work. You can waste a lot of time talking to agents in Oreland, or you can utilize online quoting to accomplish the same thing much quicker.

Many insurance companies participate in an industry program that allows shoppers to submit one quote, and each company returns a rated price based on that data. This prevents consumers from doing quote forms to each individual car insurance company. To submit your quote information now, click to open in new window.

One minor caviat to comparing rates this way is you can't choose which carriers you want pricing from. So if you want to select from a list of companies for rate comparison, we put together a list of low cost car insurance companies in Pennsylvania. Click here for list of insurance companies in Pennsylvania.

Whichever method you choose, double check that you are using the exact same coverages and limits on every quote you get. If you have different deductibles it will be next to impossible to determine which rate is truly the best in Oreland. Slightly different coverages can make a big difference in price. It's important to know that quoting more will enable you to find a lower rate.

What determines how much you pay?

An important part of buying insurance is that you know the factors that go into determining the rates you pay for car insurance. Understanding what impacts premium levels allows you to make educated decisions that could result in much lower annual insurance costs.

Listed below are a few of the "ingredients" companies use to determine premiums.

Don't skimp on liability - Liability insurance will protect you if you are found liable for damages from an accident. It provides for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not skimp.
Safer cars are cheaper to insure - Vehicles with high crash test scores get lower rates. Safe vehicles result in less severe injuries and any reduction in injury severity translates into fewer and smaller insurance claims and lower rates for you.
Bad driving skills means higher rates - Whether or not you get tickets impacts your car insurance rates tremendously. Good drivers receive lower rates than bad drivers. Even a single moving violation can increase rates by twenty percent. Drivers with serious tickets like DWI, reckless driving or hit and run convictions are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
Low deductibles can be expensive - The deductibles represent how much money you are willing to pay before a claim is paid by your company. Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Examples of covered claims would be colliding with a building, collision with an animal, or theft. The higher the amount you're willing to pay, the less your company will charge you for insurance.
Mature drivers pay less - Mature drivers are more responsible, statistically cause fewer accidents and are safer drivers. Youthful drivers are statistically proven to be more careless in a vehicle therefore car insurance rates are much higher.
Are you male or female? - The statistics show that men are more aggressive behind the wheel. That doesn't necessarily mean that women are better drivers. Both sexes have accidents in similar percentages, but the male of the species cause more damage. Men also tend to get more serious tickets like DUI and reckless driving. Youthful male drivers are several times more likely to be in an accident and therefore have the most expensive car insurance rates.
Having a spouse can save you money - Having a spouse can actually save you money on car insurance. Having a spouse is viewed as being more responsible and it's statistically proven that drivers who are married are more cautious.

Is there truth in advertising?

Allstate, GEICO and Progressive constantly bombard you with television and radio advertisements. All the companies have a common claim about savings if you switch to them. How do they all claim to save you money?

Insurance companies can use profiling for the type of driver that is profitable for them. For example, a profitable customer might be between the ages of 30 and 50, has no tickets, and has a short commute. Any driver that hits that "sweet spot" will get very good rates and is almost guaranteed to cut their rates substantially.

Potential customers who don't measure up to the "perfect" profile must pay a higher premium and this can result in the customer not buying. The ads say "people who switch" but not "drivers who get quotes" save money. That's why companies can truthfully make the claims of big savings.

This illustrates why drivers must get quotes from several different companies. You cannot predict the company that will fit your personal profile best.

Final considerations

The cheapest car insurance is available both online and with local Oreland insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers do not offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

Drivers switch companies for many reasons like questionable increases in premium, unfair underwriting practices, poor customer service or lack of trust in their agent. Regardless of your reason, finding the right car insurance provider is actually quite simple.

We just presented a lot of ways to compare car insurance prices online. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest rates come from a company that doesn't do a lot of advertising.

More Pennsylvania car insurance information

Additional information can be found on the Pennsylvania Insurance Department website through this link. Visitors are able to find out which companies have the most complaints, find disaster information, and file complaints about a company.