Sinking Spring Car Insurance For Less Than You're Paying Now

If you've never shopped for car insurance online, it's easy to be confused because of the huge number of car insurance companies competing for business in Sinking Spring.

It's important to compare prices occasionally due to the fact that insurance rates are constantly changing. Even if you got the best deal six months ago the chances are good that you can find a lower rate today. Starting right now, forget anything you know (or think you know) about car insurance because I'm going to teach you the only way to find lower rates on car insurance.

These discounts can lower your rates

Companies that sell car insurance don't list all their discounts very well, so here is a list both the well known and also the lesser-known ways to save on car insurance.

Bundle and Save - When you combine your home and auto insurance with one insurance company you may earn approximately 10% to 15%.
Braking Control Discount - Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
Good Student - A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
Multiple Vehicles - Buying coverage for multiple vehicles on the same car insurance policy can get a discount on all vehicles.
Accident Forgiveness - Some insurance companies allow you one accident before raising your premiums as long as you don't have any claims for a particular time prior to the accident.
Auto/Life Discount - Companies who offer life insurance give a break if you buy auto and life insurance together.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. The majority will only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, car insurance companies aren't that generous.

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

Automobile Insurance Quotes in Sinking Spring, PA

Most companies provide price estimates on the web. Obtaining pricing is quite simple as you just type in your coverage preferences as detailed in the form. Once you submit the form, the system will obtain credit information and your driving record and provides a quote.

This streamlines rate comparisons, but the work required to visit multiple sites and fill out multiple forms is not the best way to spend an afternoon. But it's very important to do this if you want to find better car insurance pricing.

The preferred way to get multiple rate quotes makes use of a single form that obtains quotes from a lot of companies. The form is fast, eliminates form submissions, and makes online shopping much easier. Once the form is submitted, it gets priced and you can select any or none of the price quotes you receive. If you find a better price you can simply submit the application and purchase coverage. The whole process takes just a few minutes to complete and you'll know if lower rates are available.

In order to find out what other companies charge, click here to open in new window and enter your information. If you have a policy now, it's recommended you complete the form with the limits and deductibles identical to your current policy. This makes sure you will be getting a rate 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 rating factors that help determine the rates you pay for car insurance. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that may reward you with big savings.

The following are some of the factors used by your company to calculate rates.

Big city or small town - Living in less populated areas can be a good thing when talking about car insurance. Drivers in populated areas have much more traffic and longer commute times. Fewer people means a lower chance of having an accident and also fewer theft and vandalism claims.
Do you know you're credit rating? - Credit history is a big factor in determining your rates. If your credit score is not that good, you could pay less to insure your by improving your rating. People with good credit tend to be more responsible than drivers who have lower credit scores.
Bad driving skills means higher rates - Drivers who don't get tickets get better rates compared to drivers with tickets. Only having one moving violation can bump up the cost twenty percent or more. Drivers who have flagrant citations such as DUI or reckless driving may need to submit a SR-22 form to the state department of motor vehicles in order to keep their license.
Liability coverage protects you - Liability coverage is the coverage that protects you if ever you are found liable for personal injury or accident damage. Liability provides legal defense coverage which can cost thousands of dollars. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should carry high limits.

Different people need different coverages

When choosing proper insurance coverage for your vehicles, there really is no perfect coverage plan. Every situation is different.

For instance, these questions might point out whether you would benefit from an agent's advice.

What is the difference between comprehensive and collision coverage?
Can I get a multi-policy discount for packaging my home and auto coverage?
What are the best liability limits?
Do I need to file an SR-22 for a DUI in Pennsylvania?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Am I covered if I wreck a rental car?
I have good health insurance, so how much medical payments coverage do I need?

If it's difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form.

Are you falling for claims of savings?

Car insurance companies such as GEICO, State Farm and Progressive continually stream ads on television and other media. They all seem to make the same claim about savings after switching your coverage to them. But how can every company claim to save you money? It's all in the numbers.

All the different companies have a certain "appetite" for the type of customer that is profitable for them. An example of a desirable insured might be between 25 and 40, owns a home, and has a high credit rating. Any driver who matches those parameters gets the lowest rates and as a result will probably save a lot of money.

Drivers who are not a match for this ideal profile will have to pay a higher premium which leads to the customer not buying. Company advertisements say "customers who switch" not "everybody who quotes" save that much money. That is how companies can truthfully state the savings. Because of the profiling, drivers must get quotes from several different companies. You cannot predict which company will have the lowest rates.

Final considerations

As you restructure your insurance plan, don't be tempted to reduce coverage to reduce premium. In many instances, an insured cut comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. The ultimate goal is to buy the best coverage you can find at the best price.

We just presented many ideas to compare car insurance prices online. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may be surprised to find that the most savings is with some of the smallest insurance companies.

Cheap car insurance can be purchased both online as well as from independent agents in Sinking Spring, so you should compare both to have the best selection. Some insurance companies don't offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.

For more Pennsylvania car insurance information

Even more information is available at the Pennsylvania Insurance Department website. Visitors are able to view agent and company licensing information, find out industry alerts, and file complaints about a company.

Additional helpful sites include Wikipedia and this Sinking Spring agent directory.