Top 9 Ways to Save on Car Insurance in Skippack, PA

Are you sick and tired of robbing Peter to pay Paul each month for car insurance? Your situation is no different than many other Pennsylvania drivers. Drivers have multiple to buy insurance from, and though it is a good thing to have a selection, it can be more challenging to compare rates.

It's important to compare prices once or twice a year since rates are constantly changing. Even if you think you had the best price a couple years back the chances are good that you can find a lower rate today. Forget all the misinformation about car insurance because we're going to demonstrate how to quote online to eliminate unnecessary coverages and save money.

Buying car insurance in Skippack is easy if you know what you're doing. If you have car insurance now, you should be able to lower your premiums substantially using these methods. Pennsylvania vehicle owners just need to know how to get comparison rates on the web.

Save big with these nine discounts

Car insurance companies don't necessarily list all their discounts very clearly, so we took the time to find some of the more common and also the lesser-known ways to save on car insurance. If you're not getting every credit available, you're paying more than you need to.

New Car Discount - Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
Drivers Education - Have your child complete a driver education course if offered at their school.
Drive Less and Save - Low mileage vehicles can earn better rates on cars that stay parked.
One Accident Forgiven - Certain companies allow you one accident before raising your premiums as long as you don't have any claims prior to the accident.
Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
Pay Now and Pay Less - If paying your policy premium upfront instead of paying each month you may reduce your total bill.
Passive Restraints - Factory air bags may earn rate discounts of more than 20%.
No Accidents - Claim-free drivers can save substantially as compared to bad drivers.
Safety Course Discount - Completing a driver safety course could save 5% or more and easily recoup the cost of the course.

Drivers should understand that most discount credits are not given to the entire cost. Most only apply to specific coverage prices like collision or personal injury protection. Just because you may think it's possible to get free car insurance, companies wouldn't make money that way.

To see a list of companies with discount car insurance rates in Pennsylvania, click this link.

How to Compare Car Insurance Costs in Skippack

Finding cheaper car insurance prices doesn't have to be difficult. You just have to take time comparing rate quotes provided by online insurance companies. This can be done using a couple different methods.

The best way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This form prevents you from having to do a different quote for every car insurance company. Taking the time to complete one form will get you price quotes .
A different way to get quotes online requires a visit to the website for each individual company to request a price quote. For instance, let's say you want rates from , and . To get rate quotes you would need to go to every website to input your insurance information, which is why the first method is quicker.

To view a list of companies in Skippack, click here.
The hardest way of getting rate comparisons to different Skippack agent offices. Buying insurance online has reduced the need for local agents unless you want the personal advice of a local Skippack agent. Drivers can obtain prices from the web and still use a local agent and we'll cover that in a bit.

It's up to you how you get prices quotes, just double check that you are using identical coverage limits for each price quote. If you use differing limits then you won't be able to truly determine the lowest rate in Skippack.

Car insurance ads bend the truth

Consumers can't get away from ads for the lowest price auto insurance by GEICO, State Farm and Progressive. They all seem to make the same claim that you'll save big if you change to their company.

How does each company make the same claim? It's all in the numbers.

All companies can use profiling for the driver that is profitable for them. For example, a desirable insured could be over the age of 40, has no tickets, and drives less than 10,000 miles a year. Any new insured who matches those parameters is entitled to the best price and most likely will save when switching.

Drivers who fall outside these standards will have to pay higher premiums which leads to business going elsewhere. Company advertisements say "customers who switch" not "people who quote" save that much. That's why companies can advertise the way they do. Because of the profiling, drivers must get as many comparisons as possible. It's just too difficult to predict the company that will provide you with the cheapest rates.

Best coverage at the best price

As you go through the steps to switch your coverage, never reduce coverage to reduce premium. In many instances, an insured dropped physical damage coverage only to regret at claim time that the savings was not a smart move. The ultimate goal is to buy enough coverage at the best price.

Budget-conscious car insurance is attainable from both online companies and also from your neighborhood Skippack agents, and you need to comparison shop both to have the best chance of lowering rates. Some car insurance companies may not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

More detailed Pennsylvania car insurance information can be found at the Pennsylvania Insurance Department website. Consumers can file complaints about an insurance agent or broker, view a list of available companies, discover disciplinary actions, and learn about insurance regulations.