Free Guide to Paying Less for Pittston Auto Insurance Online

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Trust us, you are not the only one feeling buyer's remorse.

Because you have many different company options, it can be challenging to find the cheapest insurer.

It's important to get comparison quotes at least once a year because insurance rates are constantly changing. Despite the fact that you may have had the best rates two years ago you can probably find a better price now. There is a lot of wrong information about auto insurance online but I'm going to show you some great ways to quit paying high auto insurance rates.

Understand what determines the rate you pay

Consumers need to have an understanding of the factors that help determine the price you pay for auto insurance. When you know what positively or negatively influences your rates helps enable you to make changes that may reward you with lower auto insurance prices.

Men pay higher rates - Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. Women and men have accidents at a similar rate, but the males have costlier accidents. They also get more serious tickets such as DWI and reckless driving. Young males are most likely to cause an accident and are penalized with high auto insurance rates.
Don't get talked into coverage you don't need - There are a ton of extra coverages that you can buy on your auto insurance policy. Things like vanishing deductibles, towing coverage and membership fees are some examples. These coverages may sound good when you first buy your policy, but your needs may have changed so remove them from your policy.
With age comes lower rates - Teen drivers in Pennsylvania are known to be more careless when behind the wheel so auto insurance rates are higher. Older insureds are viewed as being more responsible, tend to file fewer claims and are safer drivers.
Traffic violations increase rates - Your driving citation history has a big impact on rates. Just one ticket may increase your cost twenty percent or more. Drivers with clean records have lower premiums compared to drivers with tickets. Drivers who have flagrant citations such as hit and run, DWI or reckless driving convictions may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.
Better crash test results mean better rates - Cars with high safety ratings get lower rates. These vehicles have better occupant injury protection and lower injury rates means lower claim amounts passed on to you as lower rates.
Your auto insurance rates can be influenced by your job - Did you know that where you work can have an impact on rates? Jobs such as real estate brokers, social workers and stock brokers are shown to have the highest rates because of high stress and lengthy work days. On the other hand, occupations like actors, students and performers pay the least.
An active claims history can cost you - Car insurance companies in Pennsylvania generally give discounts to drivers who do not rely on their insurance for small claims. If you file claims often, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance is designed for the large, substantial claims.

Policy discounts you shouldn't miss

Auto insurance companies don't always advertise all their discounts very well, so the following is a list of both well-publicized as well as the least known discounts you could be receiving.

Save over 55 - If you're over the age of 55, you may be able to get a discount up to 10%.
Driver Safety - Completing a course in driver safety could possibly earn you a 5% discount if your company offers it.
Discount for New Cars - Insuring a new car can cost up to 25% less since new cars are generally safer.
Passive Restraint Discount - Factory air bags and/or automatic seat belt systems can receive discounts up to 30%.
Military Discounts - Being deployed with a military unit may qualify for rate reductions.

Keep in mind that some of the credits will not apply the the whole policy. The majority will only reduce individual premiums such as liability, collision or medical payments. Just because you may think it's possible to get free car insurance, it just doesn't work that way.

To choose companies who offer auto insurance discounts in Pennsylvania, click here.

Save $429 a year? Really?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream television and radio advertisements. They all seem to have a common claim that you can save after switching your policy. But how can every company make almost identical claims?

All companies are able to cherry pick for the right customer that makes them money. A good example of a desirable insured could possibly be a mature driver, has no tickets, and chooses high deductibles. A driver that hits that "sweet spot" gets the lowest rates and is almost guaranteed to save a lot of money.

Potential customers who don't qualify for this ideal profile will have to pay a more expensive rate and this can result in the driver buying from a lower-cost company. Company advertisements say "customers that switch" but not "drivers who get quotes" save that kind of money. That's the way insurance companies can state the savings. Because of the profiling, you should quote coverage with many companies. It is impossible to predict which auto insurance company will give you the biggest savings.

Additional detailed information can be read at the Pennsylvania Insurance Department website. Pennsylvania consumers can learn about insurance regulations, discover disciplinary actions, read enforcement actions against agents and companies, and file complaints about a company.

Other informative sites include this Car Insurance FAQ and this page of insurance agents in Pittston.

Affordable insurance is out there

When buying insurance coverage, don't be tempted to buy poor coverage just to save money. There are many occasions where an insured dropped full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find at a price you can afford.

Affordable auto insurance can be bought online in addition to many Pittston insurance agents, and you need to price shop both to have the best rate selection. Some insurance companies do not provide online price quotes and most of the time these small insurance companies sell through independent agents.

In this article, we presented a lot of techniques to save on auto insurance. The most important thing to understand is the more times you quote, the higher the chance of saving money. Drivers may discover the best price on auto insurance is with some of the lesser-known companies. Some small companies can often insure niche markets at a lower cost compared to the large companies like .