Compare Schellsburg Auto Insurance Prices With These Tricks

Are you intimidated by the number of auto insurance choices in Schellsburg? Lot's of other consumers are too. People have so many options that it can turn into a ton of work to find lower rates.

It's important to compare prices every six months because prices are constantly changing. If you had the best deal six months ago a different company probably has better rates today. So block out anything you think you know about auto insurance because you're going to get a crash course in the proper way to find lower rates on auto insurance.

Save big with these discounts

Companies offering auto insurance don't always advertise all their discounts very well, so here is a list both well-publicized as well as the least known discounts you could be receiving. If you don't get every credit possible, you are throwing money away.

  • Save over 55 - If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums.
  • Clubs and Organizations - Participating in a professional or civic organization may earn a discount on auto insurance.
  • Lower Rates for Military - Being deployed with a military unit can result in better rates.
  • Anti-theft System - Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
  • More Vehicles More Savings - Insuring multiple cars or trucks on one policy may reduce the rate for each vehicle.

Keep in mind that some of the credits will not apply to all coverage premiums. Some only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, it just doesn't work that way.

Schellsburg auto insurance comparison

How to Lower your Auto Insurance Rates

Smart consumers have a good feel for the factors that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively influences your rates empowers consumers to make smart changes that may reward you with better auto insurance rates.

  • Older drivers pay less - Teen drivers in Pennsylvania tend to be more careless when behind the wheel so auto insurance rates are higher. Older insureds are viewed as being more responsible, tend to cause fewer accidents and receive fewer citations.
  • Do you have enough liability coverage? - The liability section of your policy provides coverage if ever a court rules you are at fault for personal injury or accident damage. It will provide legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.
  • Lower rates with optional equipment - Choosing a vehicle with an alarm system can help lower your rates. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart auto theft.
  • Do you qualify for a multi-policy discount? - The majority of insurance companies will give a discount to customers who carry more than one policy, otherwise known as a multi-policy discount. Even with this discount, you still need to compare other company rates to verify if the discount is saving money. Consumers may find a better deal by splitting coverages up.
  • Do you know your deductibles? - Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims could be a windshield shattered by a rock, collision with an animal, and windstorm damage. The deductibles are how much you are required to spend out-of-pocket in the event of a claim. The more money you have to pay, the less your auto insurance will be.
  • Sex matters - Statistics demonstrate women tend to be less risk to insure than men. However, don't assume that women are BETTER drivers than men. Men and women tend to get into accidents at about the same rate, but the males cause more damage and cost insurance companies more money. They also get more serious tickets such as DWI and reckless driving.

Auto insurance ads bend the truth

Pennsylvania consumers get pounded daily by advertisements that promise big savings from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to have a common claim that you can save if you move your coverage to them.

But how can every company make almost identical claims?

Different companies are able to cherry pick for the type of customer that earns them a profit. An example of a desirable insured could possibly be over the age of 50, has no driving citations, and has a high credit rating. A customer getting a price quote that hits that "sweet spot" will get very good rates and most likely will save a lot of money.

Drivers who fall outside this ideal profile will have to pay a higher premium and this can result in the driver buying from a lower-cost company. The ads say "customers that switch" not "people who quote" save that much money. That's the way insurance companies can state the savings. Because of the profiling, drivers should get as many quotes as possible. It's impossible to know which auto insurance company will have the lowest rates.

Additional detailed information is available at the Pennsylvania Insurance Department website. Pennsylvania consumers can read enforcement actions against agents and companies, find out which companies have the most complaints, and view a list of available companies.

Also read more on this Car Insurance FAQ and this page of insurance agents in Schellsburg.

And the best car insurance company is...

As you restructure your insurance plan, do not skimp on coverage in order to save money. There are many occasions where someone sacrificed liability limits or collision coverage only to find out that they should have had better coverage. Your aim should be to find the BEST coverage at a price you can afford.

Affordable auto insurance is possible online as well as from independent agents in Schellsburg, and you should be comparing both to have the best selection. Some insurance companies don't offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

Drivers who switch companies do it for a number of reasons such as not issuing a premium refund, questionable increases in premium, unfair underwriting practices and even policy cancellation. Whatever your reason, choosing a new insurance company is less work than it seems.