Car Insurance in Seward, PA - 7 Discounts You Might be Losing Out On

I can't think of anyone who looks forward to paying for car insurance, especially when they are paying too much. Online insurance companies like GEICO and Progressive persitently shower you with advertising and consumers find it hard to sift through the bull and take the time to shop coverage around.

More discounts equal less premium

Companies don't necessarily list every discount in a way that's easy to find, so here is a list some of the more common and the harder-to-find savings tricks you should be using. If you aren't receiving every discount you qualify for, you are throwing money away.

  • Federal Employees - Active or retired federal employment may qualify you for a discount with a few car insurance companies.
  • Anti-lock Brake System - Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • Multiple Policy Discount - If you have multiple policies with the same insurance company you may earn approximately 10% to 15%.
  • New Car Discount - Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
  • Homeowners Savings - Simply owning a home can help you save on car insurance because owning a home requires personal responsibility.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in school.
  • No Accidents - Good drivers with no accidents can earn big discounts when compared to drivers who are more careless.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like comp or med pay. So even though they make it sound like all those discounts means the company will pay you, car insurance companies aren't that generous.

It's not one size fits all

When it comes to buying proper insurance coverage for your vehicles, there really is not a "perfect" insurance plan. Every insured's situation is different so your insurance should reflect that Here are some questions about coverages that might point out if you would benefit from professional advice.

  • Am I covered if I drive in a foreign country?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when driving in Canada or Mexico?
  • Do I need PIP (personal injury protection) coverage in Pennsylvania?
  • Do I need to file an SR-22 for a DUI in Pennsylvania?
  • Does my policy cover my teen driver if they drive my company car?
  • Is my cargo covered for damage or theft?

If you're not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It's fast, doesn't cost anything and may give you better protection.

Switch companies and save? Really?

Consumers get pounded daily by advertisements for cheaper car insurance by Progressive, Allstate and GEICO. They all make an identical promise about savings if you switch to their company.

How can each company make the same claim? This is how they do it.

All the different companies have a certain "appetite" for the driver that earns them a profit. An example of a driver they prefer could be a mature driver, owns a home, and drives less than 7,500 miles a year. Any new insured who meets those qualifications gets the lowest rates and therefore will save when they switch companies.

Potential customers who do not match the requirements will be quoted a more expensive rate and ends up with business going elsewhere. Company advertisements say "drivers who switch" not "everyone that quotes" save that much. That is how companies can truthfully advertise the way they do. This emphasizes why you should compare many company's rates. It's just too difficult to predict which company will provide you with the cheapest rates.

For more Pennsylvania car insurance information

Even more information is available at the Pennsylvania Insurance Department website. Consumers can download brochures, find out industry alerts, read consumer alerts, and read enforcement actions against agents and companies.

Seward car insurance quote

In the end, you save

When shopping online for car insurance, it's a bad idea to buy lower coverage limits just to save a few bucks. There are too many instances where an insured cut comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy the best coverage you can find for the lowest price while still protecting your assets.

You just learned many tips how you can reduce car insurance prices online. The key thing to remember is the more price quotes you have, the better your chances of lowering your rates. Consumers may even find the best price on car insurance is with a lesser-known regional company. Regional companies may have significantly lower rates on certain market segments as compared to the big name companies such as .