Easy Ways to Save Money on Schuylkill Haven Auto Insurance

Purchasing the lowest cost Schuylkill Haven auto insurance over the internet can seem to be challenging for consumers not familiar with buying insurance online. With dozens of insurers to choose from, how can consumers have a chance to compare every company to locate the lowest rates?

Finding the best rates in Schuylkill Haven is quite easy. Just about anyone who has to buy auto insurance will be able to lower their premiums. Nevertheless, Pennsylvania drivers do need to know how big insurance companies sell online.

Where Can I Get Cheap Schuylkill Haven Auto Insurance?

Most major insurance companies like State Farm, Allstate and GEICO quote coverage price quotes directly from their websites. Getting online rates is fairly simple as you simply type in your required coverages as detailed in the form. Behind the scenes, the company's rating system will obtain your driving record and credit report and gives you a price quote based on these factors.

This streamlines rate comparisons, but the process of having to visit different websites and fill out multiple forms gets old quite quickly. But it's very important to perform this step if you are searching for the best price on auto insurance.

There is an easier way!

A less time-consuming method to compare auto insurance pricing uses one simple form that gets prices from many companies. The form is fast, requires less work, and makes online price comparison much easier to do. Once the form is submitted, it is quoted and you can select any one of the returned quotes. If you find a better price you can click and sign and buy the policy. It can be completed in less than 10 minutes and may result in a nice savings.

To save time and find out if lower rates are available, click here to open in new window and input your coverage information. If you have your current policy handy, we recommend you duplicate identical to your current policy. This way, you're receiving a price comparison based on similar coverages.

Tips to Get Lower Schuylkill Haven Rates

It's important that you understand the different types of things that help determine the price you pay for auto insurance. Knowing what determines base rates empowers consumers to make smart changes that will entitle you to better auto insurance rates.

Car features impact rates - Purchasing a vehicle with a theft deterrent system can get you a discount on your auto insurance. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping car theft.
Please use or commuting - Driving more miles in a year's time the higher your rate. Almost all companies apply a rate determined by how the vehicle is used. Cars and trucks that are left in the garage get more affordable rates than vehicles that are driven to work every day. Verify your auto insurance coverage shows the proper vehicle usage.
Pay less after the wedding - Getting married can get you a discount on your policy. Having a significant other translates into being more mature and responsible and statistics show married drivers get in fewer accidents.
Drive a safer car and pay less - Safer cars can get you lower premiums. The safest vehicles protect occupants better and lower injury rates translates into savings for insurance companies and thus lower rates.
Extra add-on coverages are wasting money - There are a ton of add-on coverages that can waste your money on your auto insurance policy. Coverages for rental car reimbursement, accident forgiveness and additional equipment coverage may be costing you every month. They may seem good initially, but now you might not need them so eliminate them to save money.

Are you getting all your discounts?

Companies offering auto insurance don't always publicize every discount very clearly, so the following is a list of both well-publicized and also the lesser-known savings tricks you should be using.

Payment Method - If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.
Life Insurance - Larger companies have a discount if you purchase life insurance from them.
Accident Waiver - Certain companies allow you one accident without raising rates if your claims history is clear for a certain period of time.
Low Mileage Discounts - Fewer annual miles could qualify for discounted rates on garaged vehicles.
Driver Safety - Taking a course in driver safety could cut 5% off your bill depending on where you live.
Early Switch Discount - Some companies give discounts for switching policies before your current policy expires. It's a savings of about 10%.
Anti-theft System - Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
Government Employees - Simply working for the federal government can earn a discount up to 10% with a few auto insurance companies.

Consumers should know that most discounts do not apply to your bottom line cost. Most only reduce specific coverage prices like liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, companies don't profit that way.

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

Tailor your coverage to you

When it comes to choosing coverage for your personal vehicles, there isn't really a one size fits all plan. Your needs are not the same as everyone else's.

For instance, these questions can help discover whether you might need professional guidance.

Are my tools covered if they get stolen from my vehicle?
What are the financial responsibility laws in Pennsylvania?
I have good health insurance, so how much medical payments coverage do I need?
What happens if I owe more than my vehicle is worth?
Is my dog or cat covered if injured in an accident?
Should I have combined single limit or split liability limits?
Does my car insurance cover rental cars?

If you're not sure about those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form.

More tips and info about auto insurance can be read at the Pennsylvania Insurance Department website. Pennsylvania consumers can view a list of available companies, file complaints about an insurance agent or broker, and get help finding coverage.

Other useful links include this page for auto insurance prices in Pennsylvania and this list of insurance agents in Schuylkill Haven, PA.

Do the work, save more money

People change insurance companies for a variety of reasons including unfair underwriting practices, delays in paying claims, an unsatisfactory settlement offer and delays in responding to claim requests. Regardless of your reason for switching companies, finding a new auto insurance company is not as hard as you think.

As you restructure your insurance plan, make sure you don't reduce needed coverages to save money. There have been many situations where consumers will sacrifice full coverage and found out when filing a claim that they should have had better coverage. The proper strategy is to get the best coverage possible at the best price while still protecting your assets.

Cost effective auto insurance can be sourced online as well as from independent agents in Schuylkill Haven, so compare prices from both to get a complete price analysis. Some insurance companies don't offer online quoting and these small insurance companies work with independent agents.