Comparing Cheaper Pocono Pines Auto Insurance

Have you had enough of being strong-armed each month for car insurance? You are no different than many other Pennsylvania drivers.

Lots of contend to insure your vehicles, so it's not easy to compare every to find the lowest price

It's important to compare prices once or twice a year because insurance rates are constantly changing. Just because you had the best price on your last policy you will most likely find a better rate today. Block out anything you think you know about auto insurance because I'm going to let you in on the secrets to the proper way to find the best coverage while lowering your premiums.

Take advantage of discounts

Companies don't always publicize all their discounts in an easy-to-find place, so we took the time to find both well-publicized and the harder-to-find ways to save on auto insurance.

Save over 55 - If you qualify as a senior citizen, you may qualify for a small decrease in premiums.
Lower Rates for Military - Having a family member in the military could mean lower rates.
Good Students Pay Less - Performing well in school can get you a discount of up to 25%. This discount can apply until age 25.
Clubs and Organizations - Participating in certain professional organizations could trigger savings on auto insurance.
Drive Less and Save - Driving fewer miles can earn better rates on cars that stay parked.

Keep in mind that many deductions do not apply to the entire cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, it just doesn't work that way.

Are auto insurance companies telling the truth?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm constantly bombard you with ads on TV and radio. They all seem to make the same claim that you can save if you switch your coverage to them. How do they all make almost identical claims? This is how they do it.

All companies can use profiling for the type of customer that earns them a profit. For example, a desirable insured could possibly be between 30 and 50, has no tickets, and has great credit. A driver who matches those parameters will qualify for the lowest rates and most likely will cut their rates substantially.

Potential insureds who don't qualify for the "perfect" profile will have to pay more money which leads to the driver buying from a lower-cost company. The ad wording is "drivers who switch" not "people who quote" save that much money. That's why insurance companies can advertise the savings. Because of the profiling, you should compare many company's rates. It is impossible to predict the company that will fit your personal profile best.

Additional detailed information can be found at the Pennsylvania Insurance Department website. Pennsylvania consumers can learn about insurance regulations, find disaster information, file complaints about a company, and find out which companies have the most complaints.

Shop smart and save

When you buy insurance online, never buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped physical damage coverage only to discover later that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible for the lowest price.

In this article, we presented many ideas to reduce auto insurance prices online. The key thing to remember is the more times you quote, the better chance you'll have of finding lower rates. Consumers may even find the best prices are with a smaller regional carrier. Regional companies can often insure niche markets at a lower cost than their larger competitors like .