10 Ways to Save on Car Insurance in Patton, PA

No one in their right mind cherishes buying car insurance, especially when the cost is way too high. Numerous battle for your business, and it can be difficult to compare rates to get the lowest price

If you have a current car insurance policy or are looking for a new policy, you can follow these tips to find the best rates and still get good coverage. Buying car insurance in Patton is not that difficult. Pennsylvania consumers only need to know the tricks to get comparison quotes over the internet.

compare Patton car insurance rates

Car Insurance Comparison Rates in Patton, PA

Cutting your Patton car insurance rates is surprisingly easy. Just take time getting comparison quotes online from several insurance companies. This is very easy and can be done in several different ways.

  • The recommended way to find low rates is to use a rate comparison form like this one (opens in new window). This easy form keeps you from doing multiple quote forms for each company. Just one form will get you rate comparisons from multiple low-cost companies.
  • A different way to compare rate quotes requires you to visit the website of each company and complete a new quote form. For example, let's say you want to compare , and . You would have to visit each site and enter your policy data, which is why the first method is more popular.

    To view a list of companies in Patton, click here.
  • The least recommended method to get comparison rates is to drive around to different Patton agent offices. Shopping for car insurance online has reduced the need for local agents unless you require the trained guidance of a licensed agent. However, consumers can get the lowest quotes online and still use a local agent and we'll cover that in a bit.

It's up to you which method you use, but be sure to compare the exact same coverage information on every quote. If you compare unequal deductibles or liability limits it's impossible to make a fair comparison in Patton.

Take advantage of discounts

Car insurance companies don't list every discount in an easy-to-find place, so we took the time to find some of the more common as well as the least known savings tricks you should be using. If they aren't giving you every credit you qualify for, you're paying more than you need to.

  • Lower Rates for Military - Being on active duty in the military may qualify for rate reductions.
  • Good Student - A discount for being a good student can save 20 to 25%. This discount can apply well after school through age 25.
  • 55 and Retired - Mature drivers may be able to get a small decrease in premiums.
  • Multiple Vehicles - Insuring multiple vehicles on the same car insurance policy may reduce the rate for each vehicle.
  • Anti-theft System - Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
  • Driver Safety - Taking a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Passive Restraint Discount - Cars that have air bags or motorized seat belts can get savings of 20% or more.
  • Federal Employees - Being employed by or retired from a federal job can earn a discount up to 10% with a few car insurance companies.
  • Life Insurance - Companies who offer life insurance give lower rates if you buy life insurance from them.
  • Homeowners Savings - Simply owning a home can help you save on car insurance due to the fact that maintaining a home is proof that your finances are in order.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Most cut individual premiums such as liability and collision coverage. Even though it may seem like you could get a free car insurance policy, you won't be that lucky.

To see a list of insurance companies who offer car insurance discounts in Patton, click here to view.

How to know if you need help

When choosing the right insurance coverage for your vehicles, there is no "perfect" insurance plan. Everyone's situation is a little different so your insurance should reflect that These are some specific questions may help highlight whether your personal situation may require specific advice.

  • Do I have coverage when using my vehicle for my home business?
  • Do I need to file an SR-22 for a DUI in Pennsylvania?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Am I covered when driving on a suspended license?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Should I have combined single limit or split liability limits?

If you're not sure about those questions but a few of them apply, you might consider talking to an insurance agent. If you don't have a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Even more information can be found at the Pennsylvania Insurance Department website. Consumers can find disaster information, file complaints about a company, read enforcement actions against agents and companies, and report car insurance fraud.