6 Guaranteed Tips to Lower Car Insurance Costs in Scottdale

Shopping for the most affordable Scottdale car insurance over the internet is rather challenging for consumers not familiar with online price comaprisons. Because there are so many insurers available, how can you have a chance to compare every company to locate the cheapest rates?

It's important to shop coverage around quite often since rates are constantly changing. Just because you found the lowest price on your last policy you will most likely find a better rate today. You can find a lot of misleading information regarding car insurance online but I'm going to show you some great ways to put money back in your pocket.

These six discounts can lower your rates

Auto insurance companies don't list all their discounts very well, so we researched both the well known and the more hidden savings tricks you should be using.

  • College Student - Kids in college who are attending college and don't have a car can be insured at a reduced rate.
  • Senior Citizens - If you qualify as a senior citizen, you may receive a small decrease in premiums.
  • Multiple Cars - Buying coverage for all your vehicles on one policy could earn a price break for each car.
  • Anti-lock Brake System - Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
  • Life Insurance - Companies who offer life insurance give a break if you buy auto and life insurance together.
  • Drive Less and Save - Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.

As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Just because it seems like all those discounts means the company will pay you, car insurance companies aren't that generous.

Scottdale car insurance comparison

Different people need different coverages

When it comes to buying the best car insurance coverage for your personal vehicles, there really is no "best" method to buy coverage. Each situation is unique.

For instance, these questions may help you determine whether you would benefit from an agent's advice.

  • Why does it cost so much to insure a teen driver in Scottdale?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Am I covered when driving on a suspended license?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What happens if I owe more than my vehicle is worth?
  • Is my dog or cat covered if injured in an accident?
  • Should I rate my vehicle as pleasure use or commute?
  • Should I buy additional glass protection?

If you're not sure about those questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Are you falling for claims of savings?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm consistently run ads on television and other media. They all seem to make an identical promise about savings if you change your coverage to them. But how can every company claim to save you money?

All the different companies have a preferred profile for the type of customer that earns them a profit. For instance, a desirable insured might be between 25 and 40, insures multiple vehicles, and has great credit. Any new insured who meets those qualifications will qualify for the lowest rates and as a result will probably save a lot of money.

Drivers who are not a match for this ideal profile will have to pay higher premiums and ends up with the customer not buying. The ad wording is "people who switch" not "everybody who quotes" save that much money. This is how companies can truthfully advertise the savings. Because of the profiling, you should quote coverage with many companies. It's just too difficult to predict which insurance companies will fit your personal profile best.

More sites with car insurance information

Even more information is located at the Pennsylvania Insurance Department website. Visitors are able to read enforcement actions against agents and companies, report car insurance fraud, and file complaints about an insurance agent or broker.

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

Scottdale car insurance comparison

Do the work, save more money

When you buy insurance online, do not buy lower coverage limits just to save a few bucks. There are many occasions where drivers have reduced collision coverage and learned later that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible at an affordable rate.

Cheap car insurance can be sourced both online as well as from independent agents in Scottdale, so you should compare both to have the best chance of lowering rates. There are still a few companies who don't offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

People leave their current company for many reasons like not issuing a premium refund, lack of trust in their agent, delays in paying claims and even delays in responding to claim requests. Regardless of your reason for switching companies, finding the right car insurance provider is less work than it seems.