Car Insurance in Pennsburg Pennsylvania - 6 Discounts You Might be Unaware of

People who are new to buying insurance online might discover buying cheap Pennsburg car insurance is more work than they anticipated.

Finding affordable coverage in Pennsburg is not that difficult. If you have insurance now or need a new policy, you will benefit by learning to find better prices and still get good coverage. Pennsylvania drivers only need an understanding of the most effective way to get comparison rates online.

Save big with these six discounts

Properly insuring your vehicles can get expensive, but you can get discounts that many people don't even know exist. Larger premium reductions will be automatically applied at the time you complete a quote, but lesser-known reductions have to be inquired about prior to getting the savings. If you don't get every credit you qualify for, you are paying more than you should be.

  • Federal Employees - Employees or retirees of the government may qualify you for a discount with a few car insurance companies.
  • Anti-lock Brakes - Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
  • Early Signing - A few companies offer discounts for switching to them prior to your current policy expiration. This can save 10% or more.
  • New Car Discount - Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
  • Good Student - This discount can be rewarded with saving of up to 25%. This discount can apply until age 25.
  • Life Insurance Discount - Larger companies have a break if you buy auto and life insurance together.

Consumers should know that some credits don't apply to your bottom line cost. Some only reduce the cost of specific coverages such as comp or med pay. So when it seems like having all the discounts means you get insurance for free, companies don't profit that way. Any qualifying discounts will help reduce your overall premium however.

To choose insurance companies offering car insurance discounts in Pennsylvania, click here.

Car insurance ads bend the truth

Consumers can't ignore all the ads for cheaper car insurance by Progressive, Allstate and GEICO. They all have a common claim of big savings if you switch to their company.

But how can every company make the same claim?

All the different companies have a certain "appetite" for the driver that makes them money. For example, a driver they prefer could be a mature driver, owns a home, and has great credit. Any new insured that hits that "sweet spot" will get very good rates and most likely will save a lot of money.

Potential customers who fall outside this ideal profile will be quoted a more expensive rate and this can result in business going elsewhere. The ads say "people who switch" not "people who quote" save that much. That is how insurance companies can confidently advertise the savings.

This emphasizes why you should compare many company's rates. It's just too difficult to predict which company will fit your personal profile best.

But I don't know anything about car insurance

When buying adequate coverage for your vehicles, there really is no "perfect" insurance plan. Each situation is unique.

These are some specific questions might point out if your situation would benefit from professional advice.

  • Am I covered if I drive in a foreign country?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my insurance cover a custom paint job?
  • Does my car insurance cover rental cars?
  • Do I need PIP (personal injury protection) coverage in Pennsylvania?
  • Should I file a claim if it's only slightly more than my deductible?
  • Should I buy only the required Pennsylvania minimum liability coverage?

If you can't answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don't have a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

For more Pennsylvania car insurance information

Additional car insurance information can be found on the Pennsylvania Insurance Department website through this link. Consumers can download brochures, find out industry alerts, and file complaints about a company.

Other informative sites include this online resource for car insurance quotes in Pennsylvania and this list of insurance agents in Pennsburg.

Pennsburg car insurance quote

In the end, you save

Drivers switch companies for many reasons like extreme rates for teen drivers, policy cancellation, high prices or even not issuing a premium refund. Whatever your reason, finding the right car insurance provider is easier than you think.

When you buy insurance online, don't be tempted to buy poor coverage just to save money. There are too many instances where an insured cut uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. Your strategy should be to find the BEST coverage at an affordable rate while still protecting your assets.

You just learned a lot of ways to save on car insurance. The key thing to remember is the more price quotes you have, the higher your chance of finding lower rates. Consumers may even find the best price on car insurance is with a company that doesn't do a lot of advertising.