Top Ways to Save on Saxton Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Believe me, many consumers are feeling buyer's remorse and feel like there's no way out.

Since consumers have many insurance companies to choose from, it is very difficult to choose the most affordable provider.

It's important to get comparison quotes at least once a year because prices are constantly changing. Even if you got the best deal six months ago you may be paying too much now. So just block out anything you think you know about auto insurance because you're going to get a crash course in the only way to save on auto insurance.

Finding affordable coverage in Saxton is easy if you know what you're doing. If you have car insurance now, you will most likely be able to save some money using this information. But Pennsylvania drivers do need to know the way insurance companies price insurance differently and take advantage of how the system works.

How to Compare Saxton Auto Insurance Costs

There are several ways to compare auto insurance prices but there is one way that is less labor-intensive and much quicker. You could spend your day driving to insurance agencies in Saxton, or you can utilize the internet to get the quickest rates.

All the larger companies participate in a marketplace that allows shoppers to submit one quote, and each participating company then gives them pricing. This saves time by eliminating repetitive form submissions for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

The only drawback to doing it this way is you are unable to specify which companies you want pricing from. So if you want to select specific providers to compare rates, we have a page of low cost auto insurance companies in Pennsylvania. Click to view list.

It's your choice how you get your quotes, but compare apples-to-apples information for each price quote. If you compare higher or lower deductibles it will be next to impossible to truly determine the lowest rate in Saxton. Quoting even small variations in insurance coverages could mean much higher rates. Just keep in mind that having more price comparisons provides better odds of finding the best price.

Understand what determines the rate you pay

It's important that you understand the different types of things that help determine the price you pay for auto insurance. When you know what positively or negatively controls the rates you pay helps enable you to make changes that may reward you with lower auto insurance prices.

The following are some of the factors that factor into rates.

  • Pay less after the wedding - Being married can get you a discount on your policy. It usually means you are more mature than a single person and it's statistically proven that being married results in fewer claims.
  • Extra add-on coverages are wasting money - There are a ton of extra coverages that you can buy on your auto insurance policy. Things like vanishing deductibles, towing coverage and membership fees may be costing you every month. They may seem like a good idea at first, but your needs may have changed so remove them from your policy.
  • Your location affects your rates - Choosing to live in a rural area can be a good thing when insuring your vehicles. Drivers who live in large cities have to deal with much more traffic and longer commute times. Fewer drivers means reduced accidents and also fewer theft and vandalism claims.
  • Do you qualify for a multi-policy discount? - Many insurers will give a discount to customers who have multiple policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, you may still want to shop around to confirm you are receiving the best rates possible. You may still find a better deal by buying insurance from more than one company.
  • Don't sacrifice liability coverage - Liability coverage provides coverage if ever a court rules you are at fault for damages caused by your negligence. It provides legal defense coverage starting from day one. This coverage is very inexpensive when compared with rates for comp and collision, so do not cut corners here.
  • Do you have a high stress job? - Did you know that where you work can have an impact on rates? Jobs such as doctors, business owners and stock brokers are shown to have the highest rates attributed to stressful work requirements and lengthy work days. On the other hand, occupations like actors, students and performers pay the least.
  • Do men or women drive better? - Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. Women and men have accidents at about the same rate, but the males have costlier accidents. They also receive more costly citations such as DWI and reckless driving. Teenage male drivers are several times more likely to be in an accident and thus pay the highest rates.

How much can you save with discounts?

Companies don't list all their discounts very well, so here is a list both well-publicized and the more hidden savings tricks you should be using.

  • Sign Online - Certain companies will discount your bill up to fifty bucks for buying a policy and signing up online.
  • Driver Safety - Completing a course in driver safety could possibly earn you a 5% discount depending on where you live.
  • Bundle and Save - When you have multiple policies with one company you may save up to 20% off your total premium.
  • Anti-theft Discount - Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Club Memberships - Participating in a professional or civic organization is a good way to get lower rates on auto insurance.
  • No Claims - Drivers with accident-free driving histories can earn big discounts as compared to frequent claim filers.
  • Drive Less and Save - Fewer annual miles can qualify you for discounted rates on garaged vehicles.
  • No Charge for an Accident - Some insurance companies permit an accident without raising rates as long as you don't have any claims prior to the accident.
  • Air Bag Discount - Factory air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • Military Discounts - Being on active duty in the military may qualify for rate reductions.

Drivers should understand that most discounts do not apply the the whole policy. Most cut the cost of specific coverages such as liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, companies wouldn't make money that way.

For a list of companies who offer auto insurance discounts in Pennsylvania, click here to view.

More detailed Pennsylvania auto insurance information is available at the Pennsylvania Insurance Department website. Pennsylvania consumers can get help finding coverage, discover disciplinary actions, view agent and company licensing information, and read consumer alerts.

Other useful links include this page for Pennsylvania auto insurance and see this list of insurance agents in Saxton.

auto insurance in Saxton

Do the work, save more money

Budget-conscious auto insurance can be purchased online in addition to many Saxton insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies do not provide online quoting and most of the time these smaller companies sell through independent agents.

As you restructure your insurance plan, do not reduce needed coverages to save money. In many cases, an insured dropped comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your aim should be to purchase plenty of coverage at an affordable rate.