Top Ways to Save on Salisbury Auto Insurance

Have you had enough of being strong-armed each month for car insurance? You are in the same boat as many other Pennsylvania drivers. Insurance companies such as GEICO and Progressive increase brand awareness with TV and radio ads and consumers find it hard to sift through the bull and take the time to shop coverage around.

It's important to compare prices before your policy renews because prices are constantly changing. Despite the fact that you may have had the lowest price last year there is a good chance you can find better rates now. You'll find quite a bit of inaccurate information about auto insurance on the internet, so I'm going to show you some great ways to reduce your auto insurance bill.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of the different types of things that help determine the price you pay for auto insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that may reward you with big savings.

Men pay higher rates - The statistics show women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. They both tend to get into accidents in similar numbers, but the males have costlier accidents. They also receive more costly citations such as DWI and reckless driving. Youthful male drivers are most likely to cause an accident and are penalized with high auto insurance rates.
Your auto insurance rates can be influenced by your job - Did you know that where you work can have an impact on rates? Jobs such as judges, business owners and dentists have the highest average rates because of high stress levels and lots of time spent at work. Other professions such as farmers, historians and performers get better rates.
Liability coverage is cheap - Liability coverage will protect you if ever a court rules you are at fault for personal injury or accident damage. It will provide legal defense which can cost thousands of dollars. This coverage is very inexpensive when compared with rates for comp and collision, so do not cut corners here.
Teen drivers pay high rates - Mature drivers are viewed as being more responsible, file fewer claims and receive fewer citations. Teen drivers are known to be more careless in a vehicle and because of this, their auto insurance rates are much higher.
Pay less if you're married - Having a wife or husband can get you a discount on your policy. It translates into being more responsible and it's proven that drivers who are married are more cautious.
Bump up deductibles to save - Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. A few examples of covered claims could be a windshield shattered by a rock, vandalism, and windstorm damage. Deductibles for physical damage are how much you are required to spend before your auto insurance pays a claim. The more you have to pay, the less your company will charge you for insurance.
Where you live can impact rates - Being located in less populated areas can be a good thing when insuring your vehicles. Less people living in that area means a lower chance of having an accident as well as less vandalism and auto theft. Drivers who live in large Pennsylvania cities regularly have much more traffic to deal with and longer commute times. Higher commute times means more change of being in an accident.
More claims means more premium - Car insurance companies in Pennsylvania award cheaper rates to insureds who do not file claims often. If you tend to file frequent claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance coverage is designed for major claims that would cause financial hardship.

Compare Salisbury Auto Insurance Costs

Reducing your insurance rates isn't really that difficult. You just have to take the time to compare rate quotes provided by online insurance companies. It is quite easy and can be accomplished in several different ways.

The fastest way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This easy form keeps you from doing separate forms to each individual auto insurance company. In just a few minutes this one form will get you rate comparisons from several companies.
A more difficult way to get quotes online requires you to visit each company's website and fill out their own quote form. For example, we'll assume you want rates from , and . To find out each rate you need to visit each site and enter your policy data, which is why the first method is more popular.

To view a list of companies in Salisbury, click here.

It's up to you which method you use, but ensure you're using exactly the same coverage information for each comparison quote. If you have unequal deductibles or liability limits it's impossible to determine the lowest rate in Salisbury.

Save big with these discounts

Companies don't list all their discounts in a way that's easy to find, so we researched both well-publicized as well as the least known savings tricks you should be using. If you aren't receiving every discount available, you are paying more than you should be.

Save over 55 - If you're over the age of 55, you may be able to get a small decrease in premiums.
Employee of Federal Government - Employees or retirees of the government may qualify you for a discount with select insurance companies.
Claim Free - Claim-free drivers pay much less as compared to accident-prone drivers.
Multiple Vehicles - Insuring multiple vehicles with the same company may reduce the rate for each vehicle.
College Student - Kids in college who are attending college and do not have access to a covered vehicle may qualify for this discount.
Sign Online - A handful of insurance companies will discount your bill up to fifty bucks for buying your policy digitally online.

A little note about advertised discounts, most discount credits are not given to the entire cost. Some only reduce individual premiums such as liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, you won't be that lucky.

To choose companies who offer auto insurance discounts in Salisbury, click here to view.

Auto insurance ads bend the truth

Pennsylvania consumers can't ignore all the ads for the lowest price auto insurance from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to make an identical promise about savings after switching your coverage to them.

How can each company make almost identical claims?

All the different companies can use profiling for the type of customer that makes them money. For instance, a desirable insured could possibly be between 30 and 50, is a homeowner, and has great credit. A customer getting a price quote who meets those qualifications will get very good rates and most likely will save when they switch companies.

Consumers who fall outside the requirements will have to pay higher prices and ends up with the driver buying from a lower-cost company. The ads say "customers that switch" not "people who quote" save that much money. That's why companies can truthfully advertise the savings. Because of the profiling, you need to compare many company's rates. It's impossible to know the company that will give you the biggest savings.

Even more information is located at the Pennsylvania Insurance Department website. Pennsylvania consumers can learn about insurance regulations, read industry bulletins, find out which companies have the most complaints, and read enforcement actions against agents and companies.

A tidy conclusion

As you prepare to switch companies, it's a bad idea to reduce coverage to reduce premium. There are many occasions where an accident victim reduced collision coverage and learned later that the small savings ended up costing them much more. Your aim should be to find the BEST coverage at a price you can afford.

Cheaper auto insurance can be bought online as well as from independent agents in Salisbury, so compare prices from both in order to have the best price selection to choose from. There are still a few companies who don't offer online price quotes and most of the time these small, regional companies sell through independent agents.