Tightwads Guide for Saving on Pottstown Auto Insurance
Sick and tired of scraping the payment together each month for car insurance? You are in the same boat as many other Pennsylvania drivers.
Big companies like GEICO and Progressive all claim big savings with catchy ads and it is difficult to sift through the bull and do the work needed to find the best deal.
If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using this information. Finding affordable coverage in Pottstown is not that difficult. Although Pennsylvania vehicle owners do need to know the way companies price insurance differently because it can help you find the best coverage.
How much can you save with discounts?
Companies that sell car insurance don't always advertise all available discounts in a way that's easy to find, so we researched some of the best known and the harder-to-find auto insurance savings.
- Club Memberships - Affiliation with a civic or occupational organization could qualify you for a break when buying auto insurance.
- Employee of Federal Government - Simply working for the federal government could cut as much as 10% off depending on your company.
- New Vehicle Savings - Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
- Claim Free - Claim-free drivers pay much less when compared with frequent claim filers.
- Payment Method - If you pay your bill all at once rather than paying monthly you could save up to 5%.
- Driver Safety - Successfully completing a course teaching defensive driving skills could save 5% or more depending on where you live.
- One Accident Forgiven - A handful of insurance companies will allow you to have one accident without raising rates so long as you haven't had any claims for a set time period.
A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, you won't be that lucky.
For a list of insurers who offer auto insurance discounts in Pottstown, follow this link.
Cheap Pottstown Auto Insurance Comparisons
There are several ways you can shop for auto insurance and some are less labor-intensive and much quicker. You can waste hours discussing policy coverages with agents in Pottstown, or you can stay home and use online quotes to get rate comparisons in just a few minutes.
Most car insurance companies belong to a marketplace that allows shoppers to complete one form, and each participating company returns a rated price based on that information. This eliminates the need for quotation requests for each company you want a rate for.
To submit your quote information now, click here (opens in new window).
One minor caviat to comparing rates this way is you can't choose the companies you want pricing from. So if you prefer to pick from a list of companies for rate comparison, we put together a list of the cheapest auto insurance companies in Pennsylvania. Click to view list.
Whichever way you use, ensure you're using exactly the same information on every quote you get. If the quotes have higher or lower deductibles you will not be able to determine which rate is truly the best in Pottstown. Just a small difference in coverages can result in a big premium difference. And when price shopping your coverage, comparing a large number of companies will improve the odds of getting the best price.
Shop smart and save
The cheapest auto insurance can be purchased on the web as well as from independent agents in Pottstown, and you should compare price quotes from both to have the best selection. Some auto insurance companies don't offer online quoting and usually these small, regional companies provide coverage only through local independent agents.
When shopping online for auto insurance, it's a bad idea to sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your focus should be to get the best coverage possible for the lowest price while not skimping on critical coverages.
