How to Know You're Throwing Money Away for Auto Insurance in Pitcairn
Are you tired of paying out the nose each month for car insurance? You are in the same boat as many other drivers in Pennsylvania.
Insurance companies such as GEICO and Progressive all claim big savings with ad campaigns and it is difficult to sift through the bull and take the time to shop coverage around.
It's important to compare rates before your policy renews since insurance rates are constantly changing. Just because you had the best price on your last policy there may be better deals available now. Forget anything you know (or think you know) about auto insurance because you're about to find out the proper way to buy cheaper auto insurance.
Don't pay full price with these discounts
Car insurance can cost a lot, but there could be available discounts that you may not even be aware of. Some trigger automatically at the time of quoting, but less common discounts must be inquired about before you will receive the discount.
- Passive Restraints and Air Bags - Vehicles with factory air bags can qualify for discounts up to 30%.
- Employee of Federal Government - Simply working for the federal government may qualify you for a discount with certain companies.
- No Accidents - Claim-free drivers can save substantially compared to frequent claim filers.
- Auto/Life Discount - Some companies give better rates if you take out auto and life insurance together.
- Club Memberships - Affiliation with a civic or occupational organization could trigger savings on your policy.
It's important to note that many deductions do not apply to the entire cost. Most only apply to the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, you're out of luck. But any discount will reduce your premiums.
For a list of providers offering auto insurance discounts in Pitcairn, click this link.
How to Compare Pitcairn Auto Insurance Rates
There are multiple methods you can shop for auto insurance and some are less time-consuming than others. You can waste hours talking to insurance companies in Pitcairn, or you can stay home and use online quoting to get rate comparisons in just a few minutes.
Most car insurance companies belong to an insurance system that enables customers to complete one form, and every company can provide price quotes for coverage. This system prevents you from having to do quote forms to each individual auto insurance company. To submit your quote information now, click here (opens in new window).
One minor caviat to using this type of form is you cannot specify the companies you will receive quotes from. So if you prefer to pick specific insurance companies to compare rates, we have assembled a list of the cheapest auto insurance companies in Pennsylvania. Click here for list of insurance companies in Pennsylvania.
It doesn't matter which method you choose, just ensure you're using exactly the same coverages and limits with each company. If you use different deductibles you will not be able to make an equal comparison in Pitcairn. Having just a slight variation in limits may result in a large different in cost. And when price shopping your coverage, getting more free quotes will improve the odds of getting a lower rate.
The best insurance company isn't always the cheapest
In this article, we covered many ideas to get a better price on auto insurance. The key thing to remember is the more you quote, the better likelihood of reducing your rate. Drivers may discover the most savings is with a lesser-known regional company. These companies often have lower prices on specific markets as compared to the big name companies such as .
When you buy insurance online, it's a bad idea to sacrifice coverage to reduce premiums. There have been many cases where an accident victim reduced physical damage coverage only to discover later that the few dollars in savings costed them thousands. Your goal should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.
