Buy Low-Cost Shrewsbury Auto Insurance

Expensive auto insurance can dwindle your savings account and force you to prioritize other expenses. Comparison shopping is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income. With consumers having so many choices of insurance companies, it is hard for the average consumer to find the lowest cost provider.

It's important to check auto insurance prices on a regular basis because prices are constantly changing. If you had the best rates six months ago there is a good chance you can find better rates now. You can find a lot of misleading information regarding auto insurance online but we're going to give you some great ways to reduce your auto insurance bill.

What determines how much you pay?

Consumers need to have an understanding of the different types of things that come into play when calculating the rates you pay for auto insurance. When you know what positively or negatively impacts premium levels allows you to make educated decisions that can help you get lower auto insurance prices.

Cautious drivers pay less - Good drivers tend to pay less for car insurance than people who have multiple driving citations. Even one moving violation can increase rates by as much as thirty percent. Drivers who get severe violations such as DWI, reckless driving or hit and run convictions may be required to submit a SR-22 form to the state department of motor vehicles in order to drive a vehicle legally.
High deductibles save money - Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of covered claims would be running into the backend of another car, damage caused by hail, and rolling your vehicle. Deductibles for physical damage are the amount of money you are required to spend out-of-pocket in the event of a claim. The more expense you're willing to pay, the bigger discount you will receive.
Too many auto insurance claims drive up costs - If you are a frequent claim filer, you can expect either a policy non-renewal or much higher rates. Insurance companies in Pennsylvania award discounts to insureds who file claims infrequently. Auto insurance is intended for the bigger claims that can't be paid out-of-pocket.
Do you qualify for a multi-policy discount? - The majority of insurers give discounts to insureds who consolidate policies with them, otherwise known as a multi-policy discount. Even if you're getting this discount it's in your best interest to comparison shop to make sure you are getting the best deal.
Men fork out a little more - Statistics have proven women tend to be less risk to insure than men. However, don't assume that women are better drivers. Women and men are in accidents at a similar rate, but men cause more damage and cost insurance companies more money. Men also receive more costly citations like DUI and reckless driving.
The type of vehicle makes a difference - The performance of the vehicle you drive makes a huge difference in how high your rates are. The cheapest insurance rates are generally reserved for lower performance four cylinder passenger cars, but there are many factors that impact the final cost.

Which Auto Insurance is Cheapest in Shrewsbury, Pennsylvania?

All major auto insurance companies provide prices for coverage online. This process is fairly straightforward as you simply enter the coverages you want as detailed in the form. After the form is submitted, the system will obtain information on your driving record and credit history and generates a price based on many factors. This makes comparing rates easy, but the time required to go to several different sites and fill out multiple forms gets old quite quickly. But it's very important to get many rate quotes if you want to find better auto insurance pricing.

Quote rates the easy way

The preferred way to find lower prices uses one form that analyzes rates from a bunch of companies at once. The form is fast, requires much less work on your part, and makes online price comparison much simpler. Once the form is submitted, it gets priced and you are able to buy any or none of the resulting price quotes.

If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. The whole process can be completed in a matter of minutes and you'll know if lower rates are available.

To find out what other companies charge, click here to open in new window and begin entering your coverage information. If you have your current policy handy, we recommend you replicate identical to your current policy. This makes sure you're receiving rate comparison quotes for the exact same coverage.

These discounts can lower your rates

Car insurance can cost a lot, but there are discounts available that can drop the cost substantially. A few discounts will automatically apply at the time of quoting, but some may not be applied and must be requested specifically before you will receive the discount. If you don't get every credit you deserve, you are paying more than you should be.

Good Student Discount - This discount can get you a discount of up to 25%. The good student discount can last up to age 25.
Own a Home - Being a homeowner can help you save on auto insurance because of the fact that having a home demonstrates responsibility.
Government Employees - Employees or retirees of the government can save as much as 8% with certain companies.
Anti-theft Discount - Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
Accident Waiver - Some insurance companies will allow you to have one accident before hitting you with a surcharge if you are claim-free prior to the accident.
Sign Early and Save - Select companies give a discount for buying a policy prior to your current policy expiration. It can save you around 10%.

As a disclaimer on discounts, most discounts do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like medical payments or collision. Just because you may think you can get free auto insurance, auto insurance companies aren't that generous. Any amount of discount will help reduce the cost of coverage.

To choose providers with the best auto insurance discounts in Pennsylvania, click here to view.

Are you falling for claims of savings?

Consumers in Pennsylvania can't ignore all the ads for car insurance savings by companies like State Farm and Allstate. All the ads make an identical promise about savings if you move to them.

But how can every company claim to save you money? This is how they do it.

All companies have a preferred profile for the type of driver that makes them money. A good example of a preferred risk might be between 30 and 50, insures multiple vehicles, and has a high credit rating. A customer getting a price quote who meets those qualifications receives the best rates and as a result will probably save a lot of money.

Potential insureds who are not a match for this ideal profile will be charged more money and ends up with the customer not buying. Company advertisements say "drivers who switch" not "everybody who quotes" save money. This is how companies can truthfully state the savings.

That is why you need to quote coverage with many companies. It's impossible to know which insurance companies will have the lowest rates.

Additional information can be read on the website for the Pennsylvania Insurance Department. Click here for link. Visitors are able to file complaints about a company, report car insurance fraud, download brochures, and read consumer alerts.

Other informative sites include NAIC.org's Understanding your Policy and this directory of insurance agents in Shrewsbury Pennsylvania.

In the end, you save

We covered many tips how you can compare auto insurance prices online. The key concept to understand is the more you quote, the higher the chance of saving money. Drivers may discover the best prices are with a lesser-known regional company. These smaller insurers may have significantly lower rates on certain market segments than the large multi-state companies such as .

Cheap auto insurance is definitely available both online and with local Shrewsbury insurance agents, so compare prices from both to have the best chance of lowering rates. Some insurance companies do not offer online price quotes and many times these small insurance companies only sell through independent insurance agents.