Tightwads Guide for Saving on Red Lion Auto Insurance

Scraping up a payment for overpriced auto insurance can take a big chunk out of your personal savings and force you to make sacrifices. Doing a price comparison is a smart way to reduce premiums and put more money in your pocket.

Big-name insurance companies like GEICO and Progressive all promote huge savings with TV and radio ads and consumers find it hard to sift through the bull and effectively compare rates to find the best deal.

It's important to take a look at other company's rates yearly since insurance rates are constantly changing. Even if you think you had the best rates two years ago there may be better deals available now. You'll find quite a bit of inaccurate information about auto insurance online but we're going to give you some great ways to stop overpaying for insurance.

If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. Finding affordable coverage in Red Lion is easy if you know what you're doing. But Pennsylvania vehicle owners do need to know how companies market insurance on the web.

Policy discounts you shouldn't miss

Car insurance can cost a lot, but you can get discounts to help bring down the price. Some trigger automatically when you complete an application, but some may not be applied and must be specially asked for before they will apply.

Good Student Discount - Getting good grades can get you a discount of up to 25%. The good student discount can last up until you turn 25.
Discount for Life Insurance - Select insurance companies reward you with better rates if you take out a life insurance policy as well.
Service Members Pay Less - Having a deployed family member could be rewarded with lower premiums.
Use Seat Belts - Requiring all passengers to buckle their seat belts can save up to 15% off your medical payments premium.
Government Employees - Simply working for the federal government can save as much as 8% with certain companies.
Resident Student - Children living away from home attending college and don't have a car can receive lower rates.
E-sign - Certain companies give back up to $50 for buying a policy and signing up digitally online.
Safety Course Discount - Completing a course teaching defensive driving skills could cut 5% off your bill depending on where you live.
Anti-theft Discount - Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. Some only reduce the price of certain insurance coverages like medical payments or collision. Just because you may think you can get free auto insurance, companies don't profit that way. But all discounts will reduce the amount you have to pay.

For a list of providers with discount auto insurance rates in Red Lion, follow this link.

Where Can I Get Cheap Red Lion Auto Insurance?

The are a couple different ways to compare rate quotes from local Red Lion auto insurance companies. The recommended way to compare insurance prices is to use the internet to compare rates. This can be accomplished using a couple different methods.

One of the best ways to get quotes for comparison is a comparison rater form (click to open form in new window). This method keeps you from doing multiple quote forms for every auto insurance company. A single, simple form will get you price quotes from multiple low-cost companies.

A harder way to shop for auto insurance online requires a visit to each company website and complete a new quote form. For example, we'll assume you want comparison quotes from , and . To get rate quotes you would need to visit each site to input your insurance information, and that's why the first method is more popular. For a list of links to companies insuring cars in Red Lion, click here.

Whichever way you use, make sure you use exactly the same coverage limits on every quote. If you have differing limits it will be very difficult to make a fair comparison in Red Lion. Just a small difference in insurance coverages may cause a big price difference. And when comparing auto insurance rates, know that obtaining a wide range of quotes will improve the odds of getting better pricing.

Insurance agents can help

When it comes to choosing coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone's situation is unique so your insurance needs to address that. For example, these questions can help discover whether your personal situation would benefit from an agent's advice.

Should I buy only the required Pennsylvania minimum liability coverage?
What happens if I owe more than my vehicle is worth?
Am I covered when delivering products for my home-based business?
Why am I be forced to buy a membership to get insurance from some companies?
Why am I required to get a high-risk car insurance policy?
Why does it cost so much to insure a teen driver in Red Lion?
Does my personal policy cover me when driving my company car?

If you don't know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.

Final considerations

Throughout this article, we presented many ways to get a better price on auto insurance. It's most important to understand that the more you quote, the higher the chance of saving money. Consumers may even find the most savings is with a smaller regional carrier. These companies may often insure only within specific states and give getter rates compared to the large companies like .

When buying insurance coverage, it's a bad idea to sacrifice coverage to reduce premiums. There have been many cases where consumers will sacrifice collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to find the BEST coverage for the lowest price, not the least amount of coverage.

Discount auto insurance is attainable on the web and also from your neighborhood Red Lion agents, so you should compare both to get a complete price analysis. Some insurance companies may not provide online quoting and many times these small insurance companies only sell through independent insurance agents.