Easy Tips to Spend Less on Penn Hills Auto Insurance

If online auto insurance comparisons are new to you, it's easy to get overwhelmed by the vast number of auto insurance companies offering insurance in Penn Hills.

Finding affordable coverage in Penn Hills is quite easy. In a nutshell, everyone who has to buy auto insurance stands a good chance to be able to cut their insurance bill. Nevertheless, Pennsylvania drivers do need to know how the larger insurance companies sell online.

Vehicle Insurance Comparison

Effectively comparing auto insurance prices can be a daunting task if you don't know the most efficient way. You could spend your day talking about coverages with insurance agencies in Penn Hills, or you can utilize the web to get prices fast.

All the larger companies enroll in a system that allows shoppers to submit their information once, and each company provides a quote determined by their information. This saves time by eliminating quote requests for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

The one disadvantage to getting quotes like this is buyers cannot specifically choose which companies to get pricing from. So if you prefer to choose from a list of companies to request quotes from, we have a listing of low cost auto insurance companies in Pennsylvania. Click to view list.

It's your choice how you get your quotes, but be sure to compare identical quote information for every quote you compare. If your comparisons have mixed coverages it will be next to impossible to determine the best price in Penn Hills. Quoting even small variations in coverage limits may cause a big price difference. Keep in mind that obtaining a wide range of quotes helps you find the best offered rates.

Good Decisions Result in Lower Rates

It's important that you understand the different types of things that help determine the price you pay for auto insurance. Knowing what determines base rates enables informed choices that could result in much lower annual insurance costs.

Little extras can really add up - There are a ton of additional coverages that you can get tricked into buying on your auto insurance policy. Coverages for vanishing deductibles, accidental death and term life insurance may be costing you every month. They may seem good at first, but if they're wasting money eliminate them to save money.
Traffic violations increase rates - Only having one ticket can boost insurance rates by twenty percent. Careful drivers receive lower rates compared to drivers with tickets. Drivers with flagrant tickets such as reckless driving, hit and run or driving under the influence are required to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.
Pay less after the wedding - Getting married can get you a discount on your policy. Having a spouse means you're more mature and responsible and it's statistically proven that married couples file fewer claims.
More miles equals more premium - Driving more miles each year the more you'll pay to insure your vehicle. Most insurance companies apply a rate determined by how the vehicle is used. Cars and trucks used primarily for pleasure use get more affordable rates compared to those used for work or business. Double check that your auto insurance coverage shows the proper vehicle usage.

How much can you save with discounts?

Companies offering auto insurance don't always list all available discounts very clearly, so the following is a list of both well-publicized and the more hidden savings tricks you should be using.

Driver Safety - Successfully completing a course in driver safety can save you 5% or more depending on where you live.
Good Student - Getting good grades can earn a discount of 20% or more. The good student discount can last well after school through age 25.
Accident Forgiveness - Certain companies permit an accident without raising rates so long as you haven't had any claims for a set time period.
Life Insurance - Larger companies have a discount if you purchase life insurance.
Fewer Miles Equal More Savings - Fewer annual miles could qualify for discounted rates on garaged vehicles.
Paperless Signup - A few companies will discount your bill up to fifty bucks simply for signing over the internet.
Early Switch Discount - A few companies offer discounts for switching policies before your current policy expires. It's a savings of about 10%.
Service Members Pay Less - Being on active duty in the military may qualify for rate reductions.

Consumers should know that most discounts do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as liability and collision coverage. Just because it seems like adding up those discounts means a free policy, companies don't profit that way.

For a list of insurers who offer auto insurance discounts in Pennsylvania, click here to view.

How much car insurance do I need?

When it comes to choosing coverage for your vehicles, there isn't really a one size fits all plan. Each situation is unique.

For example, these questions may help highlight if your insurance needs will benefit from professional help.

Should I have combined single limit or split liability limits?
Do I need to file an SR-22 for a DUI in Pennsylvania?
I have good health insurance, so how much medical payments coverage do I need?
What happens if I owe more than my vehicle is worth?
Is my vehicle covered for flood damage?
Does my personal policy cover me when driving my company car?

If you're not sure about those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form.

More tips and info about auto insurance can be read at the Pennsylvania Insurance Department website. Pennsylvania consumers can discover disciplinary actions, file complaints about a company, and get help finding coverage.

Other useful links include this resource for Pennsylvania auto insurance prices and this link which helps you find a Penn Hills agent.

Do the work, save more money

Cost effective auto insurance can be sourced online and also from your neighborhood Penn Hills agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who may not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

In this article, we presented many tips how you can lower your auto insurance rates. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may even discover the lowest priced auto insurance comes from a company that doesn't do a lot of advertising.

As you prepare to switch companies, make sure you don't reduce needed coverages to save money. There are a lot of situations where someone dropped collision coverage and discovered at claim time that the small savings ended up costing them much more. The proper strategy is to buy enough coverage at an affordable rate while not skimping on critical coverages.