Tightwads Guide for Saving on Sewickley Auto Insurance

No one looks forward to paying for auto insurance, in particular when the cost is too high.

Insurance companies such as GEICO and Progressive promote their brand names with advertising and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.

It's important to price shop coverage occasionally because insurance rates are constantly changing. Despite the fact that you may have had the best rates a few years ago you can probably find a lower rate today. You'll find quite a bit of inaccurate information about auto insurance on the web, but I'm going to show you some great ways to find affordable auto insurance.

Pennsylvania auto insurance quotes

Automobile Insurance Quotes in Sewickley, PA

Most companies provide coverage price quotes on their websites. Getting online rates doesn't take a lot of time as you just type in your coverage preferences as detailed in the form. When the form is submitted, the company's rating system will obtain reports for credit and driving violations and quotes a price based on these factors. Online quotes makes it a lot easier to compare rates but having to visit many different websites and enter the same data into a form is repetitive and time-consuming. But it's very important to perform this step if you want to find better auto insurance pricing.

A quicker way to get multiple rate quotes uses one simple form that obtains quotes from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes quoting online a lot less work. After sending the form, it gets priced and you can select your choice of the quotes returned. If the quotes result in lower rates, it's easy to complete the application and purchase coverage. The whole process can be completed in less than 10 minutes and you will find out if you're overpaying now.

To save time and find out what other companies charge, click here to open in new window and submit the form. If you have your current policy handy, we recommend you input the coverage information as close as possible to your current policy. This ensures you will receive rate quotes for similar insurance coverage.

These discounts can lower your rates

Companies offering auto insurance don't always publicize all their discounts in a way that's easy to find, so the following is a list of both well-publicized and the more hidden ways to save on auto insurance.

  • Bundle and Save - When you combine your home and auto insurance with one insurance company you may earn at least 10% off all policies.
  • Braking Control Discount - Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
  • Save over 55 - Mature drivers may be able to get a discount up to 10%.
  • No Claims - Good drivers with no accidents pay less as compared to bad drivers.
  • Drive Less and Save - Fewer annual miles could qualify for better rates on cars that stay parked.
  • Payment Method - If paying your policy premium upfront instead of paying each month you could save 5% or more.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Most cut the cost of specific coverages such as collision or personal injury protection. So when it seems like all the discounts add up to a free policy, you won't be that lucky.

To see a list of companies who offer auto insurance discounts in Sewickley, click this link.

Different people need different coverages

When choosing coverage for your vehicles, there really is not a one size fits all plan. Everyone's needs are different so this has to be addressed. For instance, these questions might point out whether you might need an agent's assistance.

  • What is the difference between comprehensive and collision coverage?
  • Do I need PIP (personal injury protection) coverage in Pennsylvania?
  • Should I put collision coverage on all my vehicles?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my dog or cat covered if injured in an accident?
  • What can I do if my company won't pay a claim?
  • Does my personal policy cover me when driving my company car?

If it's difficult to answer those questions, then you may want to think about talking to a licensed agent. If you don't have a local agent, fill out this quick form or you can go here for a list of companies in your area.

For more Pennsylvania car insurance information

Even more information can be read at the Pennsylvania Insurance Department website. Pennsylvania consumers can view agent and company licensing information, read consumer alerts, learn about insurance regulations, and read industry bulletins.