Scranton Auto Insurance For Less Than You're Paying Now
Are you intimidated by the dozens of auto insurance options in Scranton? You're not the only one! Drivers have so many companies to choose from that it can turn into more work than you anticipated to find the perfect company for you.
How much can you save with discounts?
Auto insurance companies don't necessarily list all available discounts in an easy-to-find place, so we researched both the well known and the harder-to-find discounts you could be receiving.
- Clubs and Organizations - Being a member of certain professional organizations may earn a discount when buying auto insurance.
- Student Driver Training - Make teen driver coverage more affordable by requiring them to enroll in driver's education in high school.
- Paperless Signup - Certain companies may give you up to $50 just for signing your application on their website.
- Senior Citizens - If you qualify as a senior citizen, you can possibly qualify for better auto insurance rates.
- Federal Government Employee - Active or retired federal employment can save as much as 8% depending on your company.
Keep in mind that some credits don't apply to all coverage premiums. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like it's possible to get free car insurance, it just doesn't work that way.
Save 15 percent in 15 minutes? Is it for real?
Allstate, GEICO and Progressive regularly use television and radio advertisements. All the companies have a common claim that you can save if you move to their company. How do they all claim to save you money? This is how they do it.
All companies are able to cherry pick for the driver that earns them a profit. For instance, a profitable customer might be between the ages of 30 and 50, has no driving citations, and has a short commute. A customer getting a price quote that hits that "sweet spot" receives the best rates and is almost guaranteed to cut their rates substantially.
Potential insureds who don't meet the "perfect" profile must pay more money and this can result in the customer not buying. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much. That's the way insurance companies can make the claims of big savings. This illustrates why you should quote coverage with many companies. It's impossible to know which auto insurance company will fit your personal profile best.
Additional detailed information is located at the North Dakota Insurance Department website. Visitors are able to find out which companies have the most complaints, view a list of available companies, and get help finding coverage.
Shop smart and save
Affordable auto insurance is possible both online and also from your neighborhood Scranton agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers may not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.
Drivers who switch companies do it for any number of reasons including questionable increases in premium, extreme rates for teen drivers, an unsatisfactory settlement offer and even denial of a claim. It doesn't matter what your reason, switching auto insurance companies is less work than it seems.
As you shop your coverage around, you should never buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy enough coverage for the lowest price while not skimping on critical coverages.
