How to Know You're Throwing Money Away for Car Insurance in Shinglehouse

Have you had enough of scraping the payment together each month for car insurance? Your situation is no different than many other Pennsylvania drivers.

Drivers have so many to buy insurance from, and although it's a good thing to have a selection, too many choices makes it more difficult to compare rates.

It's important to compare prices once or twice a year due to the fact that insurance rates are constantly changing. Even if you got the best rates last year the chances are good that you can find a lower rate today. There is a lot of bad information regarding car insurance on the internet, so I'm going to show you some great ways to save money.

These discounts can lower your rates

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that many people don't even know exist. Some discounts apply automatically at the time of quoting, but some may not be applied and must be asked for before you will receive the discount.

Homeowners Pay Less - Owning a house in Shinglehouse can save you money because owning a home demonstrates responsibility.
Lower Rates for Military - Being deployed with a military unit could mean lower rates.
Anti-theft System - Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
Sign Online - Some insurance companies may give you up to $50 for buying your policy over the internet.
Senior Citizens - Mature drivers may qualify for a small decrease in premiums.
Memberships - Being a member of a qualifying organization may earn a discount on car insurance.

A little note about advertised discounts, some credits don't apply to the entire cost. Most only reduce individual premiums such as liability, collision or medical payments. So even though they make it sound like you could get a free car insurance policy, you won't be that lucky. Any amount of discount will bring down the cost of coverage.

To see a list of companies offering car insurance discounts in Pennsylvania, click here.

Fast and Easy Shinglehouse Car Insurance Quotes

Most companies like State Farm, GEICO and Progressive provide price estimates directly from their websites. Obtaining pricing is quite simple as you just type in the amount of coverage you want as detailed in the form. Once you submit the form, the system will obtain information on your driving record and credit history and gives you a price quote determined by many factors. Quoting online streamlines rate comparisons, but the process of having to visit a lot of sites and complete many quote forms can be a bit tiresome and repetitive. But it's very important to do this if you want to find better car insurance pricing.

Quote rates the easy way

The preferred way to find cheaper rates makes use of a single form that gets price quotes from a bunch of companies at once. The form is fast, requires much less work on your part, and makes comparison shopping much easier to do. Immediately after submitting the form, it gets priced and you can choose any one of the price quotes you receive.

If a lower price is quoted, you can click and sign and purchase the new policy. The whole process can be completed in a matter of minutes and you will find out if you're overpaying now.

In order to find out what other companies charge, click here to open in new window and complete the simple form. If you have your current policy handy, we recommend that you enter the coverages as close as possible to your current policy. This makes sure you are getting a fair comparison based on the exact same insurance coverage.

How to Lower your Car Insurance Rates

An important part of buying insurance is that you know the factors that go into determining the rates you pay for car insurance. Knowing what impacts premium levels empowers consumers to make smart changes that may reward you with better car insurance rates.

Having a spouse can save you money - Getting married can actually save you money on car insurance. It translates into being more responsible and it's proven that drivers who are married are more cautious.
Save money with special equipment - Driving a car with an alarm system can get you a discount on your car insurance. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder auto theft.
Multiple policies with one company can save - Most insurance companies will give a discount to insureds who consolidate policies with them in the form of a multi-policy discount. Even if you're getting this discount you still need to compare rates to verify if the discount is saving money. You may still be able to find better rates by insuring with multiple companies.
Mature drivers pay less - Youthful drivers in Pennsylvania are statistically proven to be more careless in a vehicle so they pay higher car insurance rates. Mature drivers are viewed as being more responsible, tend to cause fewer accidents and get fewer tickets.
Drive a safer car and pay less - Safer cars get lower rates. These vehicles protect occupants better and any reduction in injury severity translates into fewer and smaller insurance claims and thus lower rates.
More performance means more cost - The make and model of the car you own makes a huge difference in how high your rates are. The lowest rates are generally reserved for small economy passenger cars, but other factors influence the final cost greatly.
Small claims can cost you - If you tend to file frequent claims, you can definitely plan on either higher rates or even cancellation. Car insurance companies in Pennsylvania generally give lower rates to insureds who do not file claims often. Car insurance is intended for major claims that would cause financial hardship.

Are you falling for claims of savings?

Car insurance companies such as State Farm, GEICO and Progressive constantly bombard you with ads on television and other media. They all seem to have a common claim about savings if you switch your coverage to them. How does each company claim to save you money?

Different companies can use profiling for the type of customer that is profitable for them. A good example of a desirable insured might be over the age of 50, has no tickets, and drives newer vehicles. Any driver that hits that "sweet spot" will get the preferred rates and as a result will probably save when switching.

Potential insureds who are not a match for these standards will have to pay more money and this can result in the customer not buying. The ads state "customers that switch" not "everybody who quotes" save that much money. That's why companies can truthfully claim big savings.

Because of the profiling, drivers must get quotes from several different companies. You cannot predict the company that will give you the biggest savings.

Do the work, save more money

Cheaper car insurance can be found both online as well as from independent agents in Shinglehouse, and you should be comparing both to have the best chance of lowering rates. A few companies don't offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

When trying to cut insurance costs, never reduce coverage to reduce premium. In many cases, an insured dropped collision coverage and discovered at claim time that it was a big mistake. Your aim should be to get the best coverage possible at a price you can afford.

Additional information can be read on the website for the Pennsylvania Insurance Department located here. Visitors are able to get help finding coverage, view a list of available companies, read consumer alerts, and read enforcement actions against agents and companies.