Easy Techniques to Save Money on Sellersville Car Insurance

If shopping for car insurance online is new to you, you may be overwhelmed because of the huge number of car insurance companies all offering big savings in Sellersville.

Finding affordable coverage in Sellersville is not that difficult. If you have insurance now or need new coverage, you can learn to get lower rates while maintaining coverages. Pennsylvania consumers only need to know the proper methods to compare prices online.

How much can you save with discounts?

Auto insurance companies don't necessarily list all available discounts very clearly, so we took the time to find both the well known and the harder-to-find ways to save on car insurance. If you're not getting every credit you qualify for, you are throwing money away.

  • Multi-car Discount - Buying insurance for more than one vehicle on one policy qualifies for this discount.
  • Braking Control Discount - Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • Good Student - Performing well in school can save 20 to 25%. This discount can apply until age 25.
  • Auto/Life Discount - Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Auto/Home Discount - If you have multiple policies with one company you may earn 10% to 20% off each policy.
  • Early Signing - Select companies give a discount for buying a policy prior to your current policy expiring. This can save 10% or more.
  • Passive Restraints and Air Bags - Vehicles equipped with air bags or motorized seat belts may earn rate discounts of 20% or more.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, you won't be that lucky.

What determines how much you pay?

Smart consumers have a good feel for the rating factors that go into determining the rates you pay for car insurance. Knowing what impacts premium levels allows you to make educated decisions that could result in better car insurance rates.

  • Lower deductibles cost more - Physical damage deductibles represent how much money you are willing to pay if you file a covered claim. Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. Examples of covered claims would be colliding with a building, collision with an animal, or theft. The higher the amount you're willing to pay, the lower your rates will be.
  • Better credit means lower rates - A driver's credit score is a huge factor in determining your rates. If your credit score is lower than you'd like, you could potentially save money when insuring your by spending a little time repairing your credit. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers who have poor credit.
  • Poor driving leads to higher costs - Good drivers tend to pay less for car insurance than bad drivers. Only having one moving violation can increase rates twenty percent or more. Drivers with serious tickets like DWI, reckless driving or hit and run convictions are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
  • Where you reside plays a part - Living in a small town is a positive aspect when talking about car insurance. Drivers in populated areas tend to have more traffic problems and a longer drive to work. Lower population means fewer accidents.

How much car insurance do I need?

When it comes to buying the right insurance coverage for your vehicles, there isn't really a "best" method to buy coverage. Every insured's situation is different.

For example, these questions might point out if your insurance needs might need professional guidance.

  • Am I covered when driving on a suspended license?
  • Does my insurance cover a custom paint job?
  • Should I buy only the required Pennsylvania minimum liability coverage?
  • When does my teenage driver need to be added to my policy?
  • What are the best liability limits?
  • Does my car insurance cover rental cars?
  • Should I drop comprehensive coverage on older vehicles?

If it's difficult to answer those questions but a few of them apply, you may need to chat with an agent. If you don't have a local agent, fill out this quick form. It's fast, doesn't cost anything and may give you better protection.

Save 15 percent in 15 minutes? Is it for real?

Consumers in Pennsylvania get pounded daily by advertisements for cheaper car insurance by companies like Allstate, GEICO and Progressive. All the companies make the same claim about savings if you switch to them.

How does each company claim to save you money? This is how they do it.

Different companies have a certain "appetite" for the type of driver that earns them a profit. For example, a profitable customer might be between 30 and 50, owns a home, and drives less than 10,000 miles a year. Any new insured who matches those parameters gets the lowest rates and is almost guaranteed to save when switching.

Consumers who don't meet these standards must pay higher rates which leads to the customer not buying. The ads say "drivers who switch" but not "drivers who get quotes" save money. That is how companies can truthfully advertise the way they do. This illustrates why drivers should quote coverage with many companies. It's just too difficult to predict which company will provide you with the cheapest rates.

Even more information can be found at the Pennsylvania Insurance Department website. Visitors are able to report car insurance fraud, find out industry alerts, and file complaints about a company.

Also read more on this page for Pennsylvania car insurance and this page for help finding agents in Sellersville, PA.

Sellersville car insurance quote

Best coverage at the best price

The cheapest car insurance is available both online and with local Sellersville insurance agents, so compare prices from both to get a complete price analysis. Some car insurance companies do not offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

As you go through the steps to switch your coverage, make sure you don't skimp on coverage in order to save money. In too many instances, an insured cut physical damage coverage only to regret at claim time that the savings was not a smart move. Your focus should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

We just covered many ideas to reduce car insurance prices online. The key thing to remember is the more rate comparisons you have, the better your comparison will be. Drivers may discover the best prices are with a lesser-known regional company.