Easy Ways to Save Money on Plum Auto Insurance

Purchasing the cheapest Plum auto insurance online is impossible for consumers not familiar with buying insurance online. With so many choices of companies competing online, how can consumers effectively compare every company to locate the lowest price?

It's important to compare prices quite often since insurance rates are constantly changing. Just because you found the lowest price on your last policy the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about auto insurance because you're about to learn how to use online quotes to properly buy coverages while reducing your premium.

More discounts equal less premium

Car insurance is not cheap, but you can get discounts that you may not know about. Larger premium reductions will be automatically applied when you purchase, but less common discounts must be inquired about before being credited.

Anti-lock Brakes - Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
Resident Student - Youth drivers who are attending college and do not have access to a covered vehicle may be able to be covered for less.
Accident Waiver - Some insurance companies allow you one accident before raising your premiums if you are claim-free for a certain period of time.
Anti-theft System - Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
Payment Method - By paying your policy upfront instead of paying each month you may reduce your total bill.
E-sign - Some insurance companies give back up to $50 for buying your policy online.

A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. A few only apply to specific coverage prices like comprehensive or collision. So despite the fact that it appears you could get a free auto insurance policy, you won't be that lucky. Any amount of discount will help reduce your premiums.

To see a list of providers who offer auto insurance discounts in Pennsylvania, click here.

Free Plum Auto Insurance Quotes

Most companies provide coverage prices directly from their websites. Getting online quotes is quite simple as you simply enter your coverage information into the quote form. Once you submit the form, their system will obtain your credit score and driving record and generates a price.

This helps simplify price comparisons, but the time required to go to different websites and enter the same data into a form can be a bit repetitive. Unfortunately, it is important to do this if you want to find a lower rate.

Quote rates the easy way

The preferred way to locate the lowest prices requires only one form to return rates from more than one company. It's a real time-saver, reduces the work, and makes online quotes much simpler. After sending your information, it gets priced and you can select any or none of the price quotes you receive.

If you find a better price you can simply submit the application and buy the policy. The whole process just takes a couple of minutes and you will find out if you're overpaying now.

To quickly find out how much you're overpaying now, click here and begin entering your coverage information. If you have coverage now, it's recommended that you enter your coverages as close as possible to your current policy. This makes sure you will have a price comparison based on the exact same insurance coverage.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know the factors that help determine auto insurance rates. When you know what positively or negatively impacts premium levels enables informed choices that can help you get better auto insurance rates.

More than one policy can earn a discount - Many insurance companies give discounts to people who buy several policies from them, otherwise known as a multi-policy discount. Even if you're getting this discount it's still a good idea to compare rates to ensure the best deal.
Mature drivers pay less - Teenage drivers in Pennsylvania are known to be less responsible when driving so auto insurance rates are higher. If you've ever had to add a teen driver to your auto insurance policy can really hurt. More mature drivers tend to be more responsible, tend to cause fewer accidents and tend to be better behind the wheel.
Women pay lower rates - Statistics have proven women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Men and women cause accidents in similar numbers, but men have costlier accidents. Men also get more serious tickets like reckless driving and DUI. Youthful male drivers are the most expensive to insure and therefore have the most expensive auto insurance rates.
Optional equipment can affect rates - Purchasing a vehicle with a theft deterrent system can help lower your rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft.
Do you need the policy add-ons? - There are a ton of add-on coverages you can purchase if you aren't careful. Things like personal injury protection, better glass coverage and term life insurance are some examples. These may sound like a good investment initially, but if they're wasting money remove them from your policy.

It's not one size fits all

When choosing the best auto insurance coverage for your personal vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else's.

Here are some questions about coverages that may help you determine if you would benefit from professional advice.

Do I need PIP (personal injury protection) coverage in Pennsylvania?
Why does it cost so much to insure a teen driver in Plum?
Does my policy cover me when driving someone else's vehicle?
Am I covered when renting a car or should I buy coverage from the car rental agency?
What can I do if my company won't pay a claim?
Does my personal policy cover me when driving my company car?
Should I have combined single limit or split liability limits?
Do I need to file an SR-22 for a DUI in Pennsylvania?

If you can't answer these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Switch companies and save? Really?

Companies like Allstate and Progressive continually stream ads in print and on television. All the ads have a common claim about savings after switching to their company. But how can every company say the same thing? It's all in the numbers.

Different companies have a preferred profile for the driver that is profitable for them. For instance, a preferred risk might be profiled as a mature driver, insures multiple vehicles, and has great credit. A propective insured that hits that "sweet spot" receives the best rates and therefore will save a lot of money.

Consumers who do not match this ideal profile will be charged higher prices and this can result in business not being written. Company advertisements say "customers who switch" not "everyone that quotes" save that much. This is how companies can truthfully advertise the savings.

That is why drivers must get quotes from several different companies. It's not possible to predict which insurance companies will fit your personal profile best.

Do the work, save more money

When you buy insurance online, do not reduce coverage to reduce premium. Too many times, drivers have reduced liability coverage limits only to discover later that the few dollars in savings costed them thousands. The aim is to buy enough coverage at the best price, not the least amount of coverage.

Cheaper auto insurance can be sourced on the web and also from your neighborhood Plum agents, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who may not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

Drivers change insurance companies for a variety of reasons including policy cancellation, not issuing a premium refund, denial of a claim or policy non-renewal. It doesn't matter why you want to switch finding a new auto insurance company is actually quite simple.

Additional information is located on the Pennsylvania Insurance Department website found here. Pennsylvania drivers can read consumer alerts, read enforcement actions against agents and companies, and learn about insurance regulations.

Additional helpful sites include BankRate.com's Car Insurance: When not to Skimp and this directory of Plum insurance agents.