Top Ways to Save on Slippery Rock Auto Insurance

Have you had enough of being strong-armed each month for car insurance? Your situation is no different than most other car owners in Pennsylvania. Drivers have multiple to buy insurance from, and although it's a good thing to have a choice, it can be more challenging to compare rates.

It's important to take a look at other company's rates before your policy renews because insurance rates are constantly changing. Even if you got the lowest price a few years ago you may be paying too much now. Block out anything you think you know about auto insurance because we're going to demonstrate the only way to buy cheaper auto insurance.

How to Compare Slippery Rock Auto Insurance Rates

Most major insurance companies like Progressive, GEICO, Allstate and State Farm provide coverage prices directly from their websites. Getting online rates is pretty painless as you just type in into the quote form. Behind the scenes, the company's rating system will obtain your driving record and credit report and gives you a price quote based on many factors. Being able to quote online helps simplify price comparisons, but the process of having to visit several different sites and enter the same data into a form can be a bit tiresome and repetitive. Unfortunately, it is important to compare as many rates as possible if you want to find a lower rate.

Quote rates the easy way

A less time-consuming method to lower your auto insurance bill uses one simple form that gets price quotes from many companies. It's a real time-saver, requires less work, and makes comparison shopping much easier to do. After sending the form, it gets priced and you can choose any one of the returned quotes. If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. The whole process just takes a couple of minutes and you'll know if lower rates are available.

To save time and find out how much you're overpaying now, click here and enter your vehicle and coverage information. If you have coverage now, it's recommended you duplicate identical to your current policy. This way, you are getting rate comparison quotes based on similar coverages.

Slippery Rock Rates are Influenced by These Factors

It's important that you understand the different types of things that go into determining the price you pay for auto insurance. Knowing what impacts premium levels enables informed choices that may reward you with better auto insurance rates.

Battle of the sexes - The statistics show that women are safer drivers than men. That doesn't necessarily mean that men are worse drivers. Men and women cause accidents in similar numbers, but the males cause more damage. They also receive more costly citations such as DWI and reckless driving. Youthful male drivers tend to get in the most accidents and thus pay the highest rates.
You might want pay the small claims yourself - Car insurance companies in Pennsylvania award lower rates to insureds who are claim-free. If you frequently file small claims, you can pretty much guarantee either higher rates or even cancellation. Car insurance is designed for major claims that would cause financial hardship.
Discounts for multiple policies - Most insurers will give a discount to customers who buy several policies from them in the form of a multi-policy discount. Even if you're getting this discount it's in your best interest to shop around to ensure the best deal. You may still be able to find better rates by insuring with multiple companies.
Don't buy coverages you don't need - There are many extra bells and whistles that you can buy on your auto insurance policy. Coverages for personal injury protection, towing coverage and term life insurance may be costing you every month. These may sound like a good investment when talking to your agent, but if they're wasting money eliminate them to save money.
Credit scores impact auto insurance rates - Credit score is a huge factor in your rate calculation. Therefore, if your credit history is lower than you'd like, you could be paying less to insure your by spending a little time repairing your credit. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers who have poor credit.
Drive less and save money - The more miles you rack up on your car every year the more you will pay for auto insurance. Most insurance companies apply a rate based upon how you use the vehicle. Cars and trucks that are left in the garage receive lower rates as compared to vehicles used primarily for driving to work. Verify your auto insurance policy shows how each vehicle is driven, because improper ratings can cost you money.
Liability coverage protects you - Liability insurance will protect you if ever a court rules you are at fault for causing damage or personal injury in an accident. Liability insurance provides legal defense up to the limits shown on your policy. This coverage is very inexpensive compared to physical damage coverage, so do not cut corners here.
Traffic violations increase rates - Your driving citation history has a lot to do with how much you pay for insurance. Just one citation can boost insurance rates by twenty percent. Careful drivers tend to pay less for car insurance than bad drivers. Drivers who have serious citations like reckless driving, hit and run or driving under the influence may need to file a proof of financial responsibility form (SR-22) with their state DMV in order to continue driving.

More discounts equal less premium

Car insurance companies don't list all their discounts very clearly, so we researched both well-publicized and the harder-to-find savings tricks you should be using. If you're not getting every credit available, you're just leaving money on the table.

Save over 55 - Older drivers may qualify for better auto insurance rates.
Employee of Federal Government - Simply working for the federal government can earn a discount up to 10% with select insurance companies.
Anti-lock Brake System - Vehicles with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
Defensive Driver - Taking a course in driver safety could save 5% or more depending on where you live.
Anti-theft System - Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
One Accident Forgiven - Certain companies will allow you to have one accident without raising rates as long as you don't have any claims for a certain period of time.

As a disclaimer on discounts, most discounts do not apply to the entire cost. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like you would end up receiving a 100% discount, auto insurance companies aren't that generous.

For a list of companies offering auto insurance discounts in Pennsylvania, click here to view.

Even more information is located at the Pennsylvania Insurance Department website. Pennsylvania consumers can learn about insurance regulations, download brochures, read consumer alerts, and discover disciplinary actions.

Best coverage at the best price

As you shop your coverage around, it's very important that you do not reduce needed coverages to save money. There are many occasions where an accident victim reduced liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible for the lowest price.

Cheap auto insurance can be found online and also from your neighborhood Slippery Rock agents, and you should be comparing both to get a complete price analysis. Some insurance providers may not provide online quoting and most of the time these small, regional companies sell through independent agents.