Tightwads Guide to Saving on Seven Fields Auto Insurance

Have you had enough of scraping the payment together each month for car insurance? You're in the same situation as the majority of other car owners in Pennsylvania.

Having so many companies and agents to choose from, it is hard for the average consumer to pick the right insurer.

The purpose of this post is to instruct you on the best way to quote coverages and some tips to save money. If you are paying for car insurance now, you will most likely be able to cut costs considerably using these techniques. Nevertheless, Pennsylvania drivers do need to know the way companies sell insurance online because it can help you find the best coverage.

Comprehensive Auto Insurance Comparison in Seven Fields

Most companies quote insurance quotes on the web. This process doesn't take much effort as you just enter the amount of coverage you want into the quote form. When the form is submitted, 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 multiple sites and complete many quote forms is repetitive and time-consuming. Unfortunately, it is important to have as many quotes as possible if you are searching for a lower rate.

A quicker way to find cheaper rates uses one form to get prices from a bunch of companies at once. It's a real time-saver, requires much less work on your part, and makes quoting online much easier to do. As soon as the form is sent, it is quoted and you can choose any or none of the quotes returned.

If you find a better price you can click and sign and purchase the new policy. It just takes a couple of minutes and can result in significant savings.

To find out how much you're overpaying now, click here and enter your information. If you have coverage now, it's recommended you complete the form with exactly as they are listed on your policy. This ensures you will receive a rate comparison for similar insurance coverage.

More discounts equal less premium

Insurance can cost an arm and a leg, but companies offer discounts that you may not even be aware of. Certain discounts will be applied at the time of quoting, but less common discounts must be specially asked for before you will receive the discount.

  • Memberships - Participating in a professional or civic organization is a good way to get lower rates when buying auto insurance.
  • Military Discounts - Being on active duty in the military could mean lower rates.
  • Early Signing - Some companies give discounts for switching policies before your current expiration date. This can save 10% or more.
  • Good Students Pay Less - A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
  • No Claims - Claim-free drivers pay much less when compared with bad drivers.
  • Defensive Driver - Taking part in a course in driver safety could save 5% or more and easily recoup the cost of the course.
  • Auto/Home Discount - When you combine your home and auto insurance with the same insurance company you will save approximately 10% to 15%.

It's important to understand that most discounts do not apply to the entire cost. Most only reduce specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, it doesn't quite work that way. Any qualifying discounts will help reduce your premiums.

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

More Pennsylvania auto insurance information

Additional auto insurance information is located on the website for the Pennsylvania Insurance Department found here. Pennsylvania consumers can find out which companies have the most complaints, find disaster information, learn about specific coverages, and file complaints about a company.

Additional helpful sites include this link for Pennsylvania auto insurance quotes and this link which helps you find a Seven Fields agent.