Top Ways to Save on Sligo Car Insurance

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us when we tell you there are a lot of people in Sligo just like you who feel imprisoned by their car insurance policy.

Multiple compete for your insurance dollar, so it can be very hard to choose a to discover the definitive lowest price

It's important to compare rates every six months due to the fact that insurance rates are constantly changing. Even if you got the best deal a year ago a different company probably has better rates today. Starting now, block out anything you think you know about car insurance because I'm going to teach you the only way to properly buy coverages and cut your premium.

If you currently have car insurance, you stand a good chance to be able to save some money using this strategy. Finding the best rates in Sligo is not that difficult. Although Pennsylvania consumers do need to know how insurance companies price online insurance and take advantage of how the system works.

These discounts can lower your rates

Companies don't always publicize all their discounts in an easy-to-find place, so here is a list both the well known and the harder-to-find car insurance savings.

Discount for Life Insurance - Companies who offer life insurance give lower rates if you buy life insurance from them.
Multi-car Discount - Buying coverage for more than one vehicle on one policy qualifies for this discount.
Anti-theft System - Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
College Student - Children who live away from home and do not have a car can be insured at a reduced rate.
Drive Less and Save - Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
Homeowners Discount - Owning a house in Sligo may trigger a car insurance policy discount because owning a home requires personal responsibility.
Use Seat Belts - Drivers who require all occupants to wear their seat belts could save 15% off your PIP or medical payments premium.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, you won't be that lucky.

You have some control over your rates

Smart consumers have a good feel for some of the elements that go into determining the rates you pay for car insurance. Understanding what impacts premium levels enables informed choices that may reward you with better car insurance rates.

Drive less and save money - The more miles you rack up on your car in a year the more you will pay for car insurance. Most insurance companies charge to insure your cars based upon how you use the vehicle. Vehicles that are left in the garage can get a lower rate than vehicles that are driven to work every day. Verify your car insurance policy is showing how each vehicle is driven, because it can save money.
Do you know your deductibles? - Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply would be running into the backend of another car, collision with an animal, and rolling your vehicle. Your deductibles are how much you are willing to pay before a claim is paid by your company. The more money you are required to pay out-of-pocket, the less your car insurance will be.
How many coverages with the same company - Most companies will give a discount to insureds who consolidate policies with them. It's known as a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even if you're getting this discount it's in your best interest to compare other company rates to ensure the best deal. You may still be able to find a better deal by insuring with multiple companies.
Older drivers pay less - Older insureds are viewed as being more responsible, tend to cause fewer accidents and get fewer tickets. Youthful drivers are statistically proven to be more careless when behind the wheel therefore car insurance rates are much higher.
Do you need those extra coverages? - There are many extra coverages that you can buy when buying car insurance. Coverages like rental car reimbursement, towing coverage and term life insurance are examples of these. These may sound like a good investment when talking to your agent, but if they're wasting money get rid of them and save.
Don't cancel a policy without a new one in place - Letting your insurance expire is a fast way to increase your car insurance rates. And not only will your rates increase, getting caught without coverage can result in a steep fine or even jail time.

Are you falling for claims of savings?

Car insurance companies such as GEICO, State Farm and Progressive constantly bombard you with ads on television and other media. They all seem to say the same thing about savings if you switch to their company. How do they all claim to save you money? This is how they do it.

Different companies are able to cherry pick for the driver that earns them a profit. An example of a desirable insured might be over the age of 50, has no driving citations, and has excellent credit. Any driver who fits that profile will qualify for the lowest rates and as a result will probably cut their rates substantially.

Potential insureds who are not a match for the "perfect" profile will have to pay more money which usually ends up with the customer not buying. The ad wording is "drivers who switch" not "everybody who quotes" save that much. That's the way companies can truthfully make those claims. Because of the profiling, drivers should get a wide range of price quotes. You cannot predict which car insurance company will have the lowest rates.

Even more information is available at the Pennsylvania Insurance Department website. Visitors are able to file complaints about an insurance agent or broker, report car insurance fraud, read consumer alerts, and read enforcement actions against agents and companies.

Do the work, save more money

While you're price shopping online, never skimp on coverage in order to save money. In many instances, someone sacrificed comprehensive coverage or liability limits to discover at claim time they didn't purchase enough coverage. The ultimate goal is to purchase a proper amount of coverage for the lowest price.

The cheapest car insurance can be found both online and also from your neighborhood Sligo agents, and you should be comparing both in order to have the best chance of saving money. Some companies may not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.