Tightwads Guide to Saving on Reamstown Car Insurance

Nobody I know enjoys paying for car insurance, especially when the cost is way too high.

Since consumers have many different company options, it's nearly impossible to locate the most affordable insurer.

Policy discounts you shouldn't miss

Companies offering auto insurance don't list all available discounts very well, so we took the time to find some of the more common as well as the least known discounts you could be receiving.

  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Anti-lock Brakes - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Auto/Home Discount - If you have multiple policies with one company you may earn at least 10% off all policies.
  • Early Switch Discount - Some insurance companies reward drivers for switching to them prior to your current policy expiring. It's a savings of about 10%.
  • Good Student - Performing well in school can earn a discount of 20% or more. This discount can apply well after school through age 25.

It's important to note that some credits don't apply to your bottom line cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Even though it may seem like adding up those discounts means a free policy, you're out of luck.

Insurance agents can help

When it comes to buying the right insurance coverage for your vehicles, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions might point out whether your personal situation would benefit from an agent's advice.

  • Am I covered when driving on a suspended license?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What are the best liability limits?
  • Does my car insurance cover rental cars?
  • Why am I required to buy high-risk coverage?
  • Am I getting all the discounts available?
  • Is rental equipment covered for theft or damage?

If you can't answer these questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Save $429 a year? Really?

Allstate, GEICO and Progressive continually stream television and radio advertisements. All the companies have a common claim that you can save after switching your coverage to them. But how can every company make the same claim?

Insurance companies have a certain "appetite" for the type of customer that earns them a profit. For example, a profitable customer could be between 25 and 40, owns a home, and chooses high deductibles. A customer that hits that "sweet spot" gets the lowest rates and is almost guaranteed to save a lot of money.

Drivers who don't qualify for this ideal profile must pay a higher premium and this can result in business going elsewhere. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much money. That is how insurance companies can state the savings. This illustrates why you should get a wide range of price quotes. Because you never know which company will give you the biggest savings.

For more Pennsylvania car insurance information

Additional detailed information can be found at the Pennsylvania Insurance Department website. Consumers can report car insurance fraud, find out industry alerts, view agent and company licensing information, and learn about specific coverages.

Also read more on this page for Pennsylvania car insurance and this page for help finding agents in Reamstown, PA.

Reamstown car insurance quote

Affordable insurance is out there

Lower-priced car insurance can be purchased from both online companies as well as from independent agents in Reamstown, so you should compare both to have the best selection. Some insurance companies don't offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

When buying insurance coverage, don't be tempted to buy lower coverage limits just to save a few bucks. In too many instances, an insured cut physical damage coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

We just showed you a lot of ways to reduce car insurance prices online. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may even discover the most savings is with the least-expected company. Regional companies often have lower prices on specific markets compared to the large companies like .