10 Discounts Prospect Drivers Forget when Comparing Car Insurance

Are you sick and tired of scraping the payment together each month for car insurance? Your situation is no different than many other Pennsylvania drivers.

Drivers have so many to buy insurance from, and though it is a good thing to have a selection, too many choices makes it more difficult to compare rates.

It's important to compare prices once or twice a year since rates are constantly changing. If you had the best rates last year you can probably find a lower rate today. There is a lot of bad information regarding car insurance online but I'm going to show you some great ways to find affordable car insurance.

Choosing the best insurance company for you in Prospect is not that difficult. If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using these techniques. Although Pennsylvania car owners do need to know the way insurance companies determine prices.

Fast and Easy Prospect Car Insurance Quotes

There are multiple methods you can shop for car insurance but there is one way that is easier and takes less work. You can spend countless hours talking about coverages with insurance agencies in Prospect, or you can stay home and use the web to achieve your goal.

The majority of car insurance companies belong to a marketplace that enables customers to submit one quote, and each company then gives them pricing for coverage. This saves time by eliminating quote requests to each individual car insurance company.

To submit your quote information now, click to open in new window.

The one disadvantage to comparing rates this way is you are unable to specify the providers you want pricing from. So if you want to select specific insurance companies to compare rates, we put together a list of the cheapest car insurance companies in Pennsylvania. View list of Pennsylvania insurance companies.

It's up to you which method you use, but double check that you are using identical deductibles and coverage limits on every quote you get. If you use different values for each quote it will be very difficult to determine which rate is truly the best in Prospect. Quoting even small variations in coverages can result in a big premium difference. It's important to know that comparing a large number of companies helps locate better pricing.

Don't pay full price with these ten discounts

Companies don't always list all their discounts very clearly, so the following is a list of some of the more common and the harder-to-find savings tricks you should be using.

  • Homeowners Pay Less - Owning a house in Prospect can help you save on car insurance because of the fact that having a home demonstrates responsibility.
  • Drivers Education - Have your child complete a driver education course in high school.
  • Pay Upfront and Save - If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
  • One Accident Forgiven - Certain companies will allow you to have one accident before raising your premiums as long as you don't have any claims for a particular time prior to the accident.
  • Theft Prevention System - Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Memberships - Belonging to a qualifying organization is a good way to get lower rates on car insurance.
  • Employee of Federal Government - Being employed by or retired from a federal job may qualify you for a discount with select insurance companies.
  • Claim Free - Claim-free drivers pay less as compared to bad drivers.
  • Sign Online - A handful of insurance companies will give a small break for buying your policy over the internet.
  • More Vehicles More Savings - Having multiple cars or trucks on the same car insurance policy qualifies for this discount.

A little note about advertised discounts, most discount credits are not given to the entire cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, you won't be that lucky.

To see a list of companies with the best car insurance discounts in Pennsylvania, click here to view.

More Pennsylvania car insurance information

Even more information can be read at the Pennsylvania Insurance Department website. Consumers can get help finding coverage, download brochures, view a list of available companies, and learn about insurance regulations.