Easy Techniques to Save Money on Royersford Auto Insurance

Buying the lowest cost Royersford auto insurance on the web is intimidating for consumers not familiar with buying insurance on the web. Since there are so many online companies, how can consumers effectively compare every company to locate the lowest rates?

More discounts equal less premium

Car insurance companies don't necessarily list every discount very clearly, so we researched some of the best known and the harder-to-find ways to save on auto insurance.

Payment Discounts - If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
Accident Waiver - Certain companies will allow you to have one accident before your rates go up if your claims history is clear for a certain period of time.
Braking Control Discount - Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
New Vehicle Savings - Buying coverage on a new vehicle is cheaper compared to insuring an older model.
Auto/Life Discount - Companies who offer life insurance give a discount if you purchase life insurance from them.
Passive Restraints and Air Bags - Cars that have air bags or automatic seat belts may earn rate discounts of 20% or more.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, you won't be that lucky.

You have some control over your rates

Smart consumers have a good feel for the rating factors that go into determining auto insurance rates. Knowing what impacts premium levels enables informed choices that will entitle you to better auto insurance rates.

Equipment add-ons that lower auto insurance rates - Purchasing a vehicle with anti-theft technology or alarm system can get you a discount on your auto insurance. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your vehicle from being stolen.
Battle of the sexes - Statistics have proven that women are safer drivers than men. That doesn't necessarily mean that men are worse drivers. Men and women cause accidents in similar numbers, but the men cause more damage. Men also statistically have more aggressive citations like reckless driving and DUI. Youthful male drivers tend to get in the most accidents and therefore are the most expensive to insure.
How credit affects auto insurance rates - Having a bad credit score is a huge factor in determining what you pay for auto insurance. Therefore, if your credit is lower than you'd like, you could potentially save money when insuring your by spending a little time repairing your credit. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers who have poor credit.
Drive less and save money - The more miles you rack up on your car in a year's time the higher your rate. Most insurance companies price each vehicle's coverage based upon how you use the vehicle. Autos that are left in the garage receive lower rates as compared to vehicles used primarily for driving to work. Verify your auto insurance policy shows how each vehicle is driven, because improper ratings can cost you money.
Don't buy coverages you don't need - There are many add-on coverages that can waste your money if you aren't careful. Coverages for personal injury protection, accident forgiveness and term life insurance may be wasting your money. These may sound like a good investment when talking to your agent, but if they're wasting money eliminate them to save money.
Never go without insurance - Letting your insurance expire is a quick way to bump up your auto insurance costs. And not only will insurance be more expensive, but not being able to provide proof of insurance can result in a hefty fine and possibly a revoked license.You may need to file a SR-22 with the Pennsylvania motor vehicle department.

Switch companies and save? Really?

Auto insurance providers like State Farm, Allstate and GEICO constantly bombard you with ads in print and on television. They all make the same claim about savings if you switch to their company. How does each company say the same thing? This is how they do it.

Different companies have a preferred profile for the driver that earns them a profit. For instance, a driver they prefer might be profiled as a mature driver, insures multiple vehicles, and drives less than 7,500 miles a year. A propective insured who matches those parameters will get the preferred rates and therefore will save when switching.

Potential customers who do not match these standards will be quoted a more expensive rate which leads to business not being written. The ads state "drivers who switch" not "everyone that quotes" save that much. This is how companies can truthfully advertise the way they do. This emphasizes why drivers should compare as many rates as you can. It's not possible to predict which insurance companies will provide you with the cheapest rates.

Even more information is located at the Pennsylvania Insurance Department website. Pennsylvania drivers can view a list of available companies, learn about insurance regulations, and find out industry alerts.

Also read more on this site for auto insurance rates in Pennsylvania and this list of insurance agents in Royersford, PA.

Do the work, save more money

Insureds switch companies for any number of reasons including unfair underwriting practices, denial of a claim, policy cancellation and even delays in paying claims. It doesn't matter why you want to switch switching auto insurance companies is less work than it seems.

Cheaper auto insurance can be found on the web and also from your neighborhood Royersford agents, and you need to price shop both to have the best rate selection. Some auto insurance companies may not provide you the ability to get quotes online and these small, regional companies work with independent agents.

When shopping online for auto insurance, make sure you don't skimp on coverage in order to save money. There have been many situations where drivers have reduced liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible for the lowest price while still protecting your assets.