How to Get Cheap Pine Grove Car Insurance

Are you intimidated by the wide range of car insurance options in Pine Grove? Many other consumers are too. People have so many options available that it can turn into a ton of work to find lower rates.

Why some people pay less for insurance in Pine Grove

Consumers need to have an understanding of some of the elements that help determine the rates you pay for car insurance. Knowing what influences your rates allows you to make educated decisions that will entitle you to much lower annual insurance costs.

Do you have a high stress job? - Did you know your occupation can influence how much you pay for car insurance? Careers like real estate brokers, architects and financial analysts tend to pay higher average rates due to high stress and long work days. Conversely, occupations like actors, engineers and performers have the lowest average rates.
Do you know your deductibles? - Your deductibles define the amount you are required to spend if you file a covered claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your car from damage. Examples of covered claims would be running into the backend of another car, damage caused by hail, or theft. The more expense you're willing to pay, the less your car insurance will be.
Where do you drive? - Driving more miles in a year the higher your rate. Most companies charge to insure your cars based on their usage. Vehicles used primarily for pleasure use get more affordable rates compared to those used for work or business. Double check that your car insurance coverage shows the proper vehicle usage.
Your spouse saves you money - Getting married can get you a discount when buying car insurance. Having a significant other is viewed as being more mature and statistics show being married results in fewer claims.
With age comes lower rates - Youthful drivers in Pennsylvania are known to be careless and easily distracted when behind the wheel so they pay higher car insurance rates. Older insureds are more cautious drivers, statistically cause fewer accidents and are safer drivers.
Your credit rating is important - Having a bad credit history is a big factor in calculating your car insurance rates. If your credit score is not that good, you could save money insuring your by spending a little time repairing your credit. Drivers with good credit tend to file fewer claims and have better driving records than those with lower credit scores.

Be sure to get all your discounts

Properly insuring your vehicles can get expensive, but you may find discounts to reduce the price significantly. Some discounts apply automatically when you quote, but some may not be applied and must be asked about prior to getting the savings. If you're not getting every credit possible, you are paying more than you should be.

Accident Free - Drivers with accident-free driving histories pay less when compared to accident-prone drivers.
Multiple Vehicles - Buying insurance for multiple vehicles with the same company can get a discount on all vehicles.
Discount for Life Insurance - Some companies give a discount if you purchase life insurance.
Paperwork-free - A few companies may give you up to $50 just for signing your application over the internet.
Distant Student - Children living away from home attending college and do not have access to a covered vehicle can receive lower rates.

Keep in mind that most credits do not apply to all coverage premiums. Some only reduce specific coverage prices like comp or med pay. So even though it sounds like all the discounts add up to a free policy, it just doesn't work that way. But any discount will bring down the amount you have to pay.

To choose insurance companies who offer car insurance discounts in Pennsylvania, follow this link.

Is there truth in advertising?

Consumers in Pennsylvania can't ignore all the ads that promise big savings by companies like Progressive, Allstate and GEICO. They all say the same thing that you can save after switching to them.

How does each company claim to save you money? It's all in the numbers.

Insurance companies are able to cherry pick for the type of driver that makes them money. A good example of a driver they prefer might be over the age of 50, has no driving citations, and drives less than 10,000 miles a year. Any driver who fits that profile will get very good rates and is almost guaranteed to save when switching.

Potential customers who don't measure up to these standards will be quoted a higher premium which usually ends up with the customer not buying. The ads say "customers who switch" but not "drivers who get quotes" save money. That's the way insurance companies can advertise the way they do.

This emphasizes why you should get a wide range of price quotes. You cannot predict which car insurance company will provide you with the cheapest rates.

Learn more about Pennsylvania car insurance

More information can be read on the Pennsylvania Insurance Department website found here. Visitors are able to read industry bulletins, report car insurance fraud, and file complaints about an insurance agent or broker.

In the end, you save

Consumers change insurance companies for a variety of reasons including high rates after DUI convictions, lack of trust in their agent, delays in paying claims or even an unsatisfactory settlement offer. Regardless of your reason, finding a new car insurance company is easier than you think.

Affordable car insurance can be purchased both online and with local Pine Grove insurance agents, and you should be comparing both to have the best rate selection. Some car insurance companies do not offer online price quotes and these small insurance companies work with independent agents.

As you go through the steps to switch your coverage, never buy poor coverage just to save money. There are too many instances where someone sacrificed full coverage and found out when filing a claim that the savings was not a smart move. Your strategy should be to find the BEST coverage at the best price while still protecting your assets.