Easy Ways to Cut Costs on Ridgway Auto Insurance

Purchasing the most affordable Ridgway auto insurance online is rather challenging for consumers not familiar with buying insurance online. Because there are so many companies competing online, how can consumers possibly compare every company to locate the lowest price?

It's important to compare rates yearly because insurance rates are constantly changing. Despite the fact that you may have had the best rates last year you will most likely find a better rate today. You can find a lot of wrong information about auto insurance online but we're going to give you some great ways to put money back in your pocket.

Save big with these discounts

Companies don't list every available discount in an easy-to-find place, so the following is a list of both well-publicized and also the lesser-known discounts you could be receiving.

Anti-lock Brakes - Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
Life Insurance Discount - Companies who offer life insurance give lower rates if you buy auto and life insurance together.
Save over 55 - If you qualify as a senior citizen, you may be able to get better auto insurance rates.
Low Mileage - Fewer annual miles could qualify for a substantially lower rate.
Driver Safety - Taking part in a course in driver safety could cut 5% off your bill if you qualify.
Own a Home - Being a homeowner can save you money due to the fact that maintaining a home demonstrates responsibility.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Some only reduce specific coverage prices like comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, you won't be that lucky.

But I don't know anything about car insurance

When it comes to buying coverage for your personal vehicles, there is no one size fits all plan. Your needs are not the same as everyone else's.

These are some specific questions can help discover if your situation would benefit from professional advice.

Can I get a multi-policy discount for packaging my home and auto coverage?
When does my teenage driver need to be added to my policy?
Should I buy additional glass protection?
Is my dog or cat covered if injured in an accident?
Should I rate my vehicle as pleasure use or commute?
What happens if I owe more than my vehicle is worth?
When do I need to add a new car to my policy?

If you can't answer these questions, you might consider talking to a licensed insurance agent. If you don't have a local agent, fill out this quick form.

Auto insurance ads bend the truth

Companies like Allstate and Progressive continually stream ads on TV and radio. All the ads have a common claim about savings after switching to their company. How do they all make almost identical claims? It's all in the numbers.

All the different companies have a preferred profile for the driver that earns them a profit. A good example of a preferred risk could possibly be a mature driver, has no prior claims, and has great credit. A driver that hits that "sweet spot" will get very good rates and most likely will cut their rates substantially.

Potential customers who fall outside the "perfect" profile will be charged a more expensive rate and this can result in the driver buying from a lower-cost company. The ads say "customers who switch" not "people who quote" save that much. This is how companies can truthfully advertise the savings. That is why you should compare many company's rates. It is impossible to predict which insurance companies will give you the biggest savings.

Learn more about auto insurance in Pennsylvania

Even more information can be read at the Pennsylvania Insurance Department website. Pennsylvania consumers can find out industry alerts, view agent and company licensing information, and learn about insurance regulations.

The best insurance company isn't always the cheapest

As you prepare to switch companies, you should never buy lower coverage limits just to save a few bucks. Too many times, consumers will sacrifice full coverage and found out when filing a claim that the small savings ended up costing them much more. The aim is to find the BEST coverage at the best price, not the least amount of coverage.

Cheaper auto insurance can be bought online and also from your neighborhood Ridgway agents, and you need to price shop both to have the best rate selection. There are still a few companies who may not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

In this article, we presented a lot of techniques to reduce auto insurance prices online. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Consumers may even find the best price on auto insurance is with a small mutual company.