Scranton Auto Insurance For Less Than You're Paying Now

If online auto insurance comparisons are new to you, you may be overwhelmed by the vast number of auto insurance companies selling insurance in Scranton.

This information will familiarize you with the most effective way to quote insurance and some tips to save money. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these techniques. Pennsylvania vehicle owners just need to know the most effective way to shop their coverage around online.

More discounts equal less premium

Insurance can cost an arm and a leg, buy you may qualify for discounts that you may not even be aware of. Larger premium reductions will be automatically applied at quote time, but some may not be applied and must be asked for in order for you to get them. If you don't get every credit you qualify for, you're just leaving money on the table.

  • Homeowners Savings - Owning a home in Scranton can help you save on auto insurance because owning a home demonstrates responsibility.
  • Early Signing - A few companies offer discounts for switching policies before your current policy expires. This can save 10% or more.
  • Good Student - Getting good grades can earn a discount of 20% or more. The good student discount can last until age 25.
  • Military Discounts - Being on active duty in the military could mean lower rates.
  • Anti-lock Brake System - Vehicles with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
  • Auto/Home Discount - When you have multiple policies with the same insurance company you may earn at least 10% off all policies.
  • Theft Prevention Discount - Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • No Claims - Good drivers with no accidents pay less when compared with frequent claim filers.
  • Fewer Miles Equal More Savings - Driving fewer miles could qualify for discounted rates on garaged vehicles.
  • Paperless Signup - A few companies will discount your bill up to fifty bucks for buying a policy and signing up online.

Drivers should understand that most discount credits are not given to the entire policy premium. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like adding up those discounts means a free policy, companies wouldn't make money that way. But all discounts will help reduce your premiums.

For a list of insurers offering auto insurance discounts in Pennsylvania, click here to view.

Vehicle Insurance Comparison

Most major insurance companies give coverage price quotes on their websites. This process doesn't take a lot of time as you just enter your personal and coverage information into the quote form. Once entered, the company's rating system will obtain information on your driving record and credit history and gives you a price quote based on these and other factors.

This makes it a lot easier to compare rates but the process of having to visit each company's website and repetitively complete many quote forms can be a bit repetitive. Unfortunately, it is important to have as many quotes as possible in order to get a lower rate.

A more efficient way to compare rates uses one form to get prices from several companies at one time. It's a real time-saver, requires much less work on your part, and makes online quotes much easier to do. After sending your information, your coverage is rated and you can choose any or none of the quotes that you receive.

If the quotes result in lower rates, you can click and sign and purchase coverage. This process can be completed in less than 10 minutes and you will know how your current rates stack up.

To find out how much you're overpaying now, click here and enter your information. If you have your current policy handy, we recommend you type in the insurance coverages just like they are on your policy. This helps ensure you will have comparison quotes based on identical coverages.

It's not one size fits all

When it comes to choosing coverage for your vehicles, there really is no cookie cutter policy. Each situation is unique.

Here are some questions about coverages that may help highlight if you would benefit from professional advice.

  • When do I need to add a new car to my policy?
  • Does my car insurance cover rental cars?
  • Why am I required to buy high-risk coverage?
  • Am I covered when pulling a rental trailer?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What is the difference between comprehensive and collision coverage?

If you're not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It's fast, free and can provide invaluable advice.

Best coverage at the best price

Budget-conscious auto insurance is available online in addition to many Scranton insurance agents, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who do not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

You just read some good ideas how you can get a better price on auto insurance. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the best price on auto insurance is with a company that doesn't do a lot of advertising.

People switch companies for many reasons like lack of trust in their agent, high prices, poor customer service and unfair underwriting practices. It doesn't matter why you want to switch finding the right auto insurance provider is not as hard as you think.