7 Discounts Shiremanstown Drivers Forget when Shopping for Car Insurance

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me when I say you are not the only one feeling buyer's remorse. Lots of contend for your business, so it can be very hard to choose a and uncover the absolute lowest price

It's important to take a look at other company's rates at least once a year since rates are constantly changing. If you had the best rates last year you will most likely find a better rate today. There is a lot of bad information regarding car insurance on the internet, so we're going to give you some great ways to put money back in your pocket.

More discounts equal less premium

Car insurance is not cheap, but you can get discounts to help offset the cost. Larger premium reductions will be automatically applied at the time of quoting, but some may not be applied and must be asked for before you will receive the discount. If they aren't giving you every credit possible, you are throwing money away.

Anti-theft System - Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
Low Mileage - Keeping the miles down could qualify for better rates on cars that stay parked.
Pay Upfront and Save - If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
More Vehicles More Savings - Having multiple cars or trucks on one policy may reduce the rate for each vehicle.
Auto/Life Discount - Companies who offer life insurance give lower rates if you buy life insurance from them.
Resident Student - Any of your kids living away from home attending college without a vehicle on campus may be able to be covered for less.
Senior Citizens - If you qualify as a senior citizen, you can possibly qualify for better car insurance rates.

As a disclaimer on discounts, many deductions do not apply the the whole policy. Most only apply to individual premiums such as comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, car insurance companies aren't that generous. Any amount of discount will cut your premiums.

Switch companies and save? Really?

Consumers in Pennsylvania get pounded daily by advertisements that promise big savings by Allstate and Progressive. All the ads make the same claim about savings if you move to their company.

How do they all claim to save you money?

Different companies are able to cherry pick for the driver that earns them a profit. A good example of a preferred risk might be a mature driver, has no tickets, and has great credit. Any new insured who matches those parameters is entitled to the best price and therefore will cut their rates substantially.

Potential insureds who do not match the "perfect" profile will be charged more money which leads to the customer not buying. The ads state "customers that switch" not "everyone that quotes" save that much. That's the way companies can truthfully advertise the savings.

That is why you should get a wide range of price quotes. It's just too difficult to predict which car insurance company will give you the biggest savings.

Additional information can be read on the website for the Pennsylvania Insurance Department located here. Visitors are able to read consumer alerts, find disaster information, view a list of available companies, and report car insurance fraud.

A tidy conclusion

As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. Too many times, an insured dropped collision coverage and discovered at claim time that the small savings ended up costing them much more. The aim is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

Cheap car insurance is possible both online and also from your neighborhood Shiremanstown agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who may not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.