Solebury Auto Insurance For Less Than You're Paying Now

Are you intimidated by the wide range of auto insurance company choices in Solebury? Many other drivers are as well. You have so many choices that it can turn into more work than you anticipated to find the perfect company for you.

Finding the best rates in Solebury is easy if you know what you're doing. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this strategy. But Pennsylvania vehicle owners do need to know the way companies price online insurance.

Are you getting all your discounts?

Companies don't necessarily list all available discounts very clearly, so the following is a list of some of the best known as well as the least known savings tricks you should be using.

Fewer Miles Equal More Savings - Driving fewer miles could qualify for discounted rates on garaged vehicles.
Multi-car Discount - Buying coverage for more than one vehicle on one policy may reduce the rate for each vehicle.
Anti-lock Brake System - Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
New Vehicle Savings - Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
Payment Discounts - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
Clubs and Organizations - Affiliation with a qualifying organization is a good way to get lower rates when buying auto insurance.
Federal Government Employee - Active or retired federal employment could cut as much as 10% off depending on your company.
Senior Discount - If you qualify as a senior citizen, you may qualify for a small decrease in premiums.
Drivers Education - Make teen driver coverage more affordable by requiring them to enroll in driver's education in school.

Consumers should know that most discount credits are not given to all coverage premiums. Most only cut individual premiums such as liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, companies don't profit that way.

How to Lower your Auto Insurance Rates

Smart consumers have a good feel for the different types of things that go into determining auto insurance rates. Knowing what controls the rates you pay empowers consumers to make smart changes that could result in much lower annual insurance costs.

Listed below are some of the items used by your company to calculate premiums.

Safe vehicles cost less to insure - Vehicles with high crash test scores can get you lower premiums. Safe vehicles protect occupants better and better occupant protection means lower claim amounts and thus lower rates.
Do you know your deductibles? - Deductibles for physical damage represent how much money you are willing to pay if you file a covered claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, insures against damage to your car. A few examples of covered claims are colliding with a building, collision with an animal, and rolling your vehicle. The more expense you have to pay, the less your auto insurance will be.
Do you know you're credit rating? - A driver's credit score is a important factor in calculating your auto insurance rates. If your credit is lower than you'd like, you could potentially save money when insuring your by spending a little time repairing your credit. People with high credit scores tend to be more responsible as compared to drivers with poor credit.
Rate your vehicle for proper use - The more miles you rack up on your car in a year the more you'll pay to insure your vehicle. Almost all companies price each vehicle's coverage based on how the vehicle is used. Cars and trucks used primarily for pleasure use get more affordable rates than vehicles that are driven to work every day. Double check that your auto insurance policy shows how each vehicle is driven.
Your car's features help determine rates - Choosing a vehicle with an alarm system can get you a discount on your auto insurance. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart car theft.
Liability coverage is peace of mind - Liability insurance provides coverage if a jury decides you are liable for personal injury or accident damage. Liability provides you with a defense in court which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not cut corners here.

How can 21st Century, Allstate and State Farm save drivers who switch?

21st Century, Allstate and State Farm constantly bombard you with ads on television and other media. All the companies make an identical promise that you'll save big if you switch your coverage to them. How does each company say the same thing?

Insurance companies are able to cherry pick for the type of customer that earns them a profit. A good example of a profitable customer might be profiled as between the ages of 30 and 50, has no driving citations, and drives newer vehicles. A propective insured who meets those qualifications will qualify for the lowest rates and as a result will probably save when switching.

Potential customers who are not a match for these standards must pay higher prices and ends up with business not being written. The ad wording is "customers that switch" not "everybody who quotes" save that much money. That's the way companies can claim big savings. This illustrates why drivers should get a wide range of price quotes. It's not possible to predict which auto insurance company will give you the biggest savings.

Learn more about Pennsylvania auto insurance

More detailed Pennsylvania auto insurance information can be read at the Pennsylvania Insurance Department website. Pennsylvania drivers can find disaster information, report car insurance fraud, and find out industry alerts.

Also read more on this resource for Pennsylvania auto insurance prices and this page of Solebury insurance agents.

Shop smart and save

Discount auto insurance can be found on the web as well as from independent agents in Solebury, and you should compare price quotes from both so you have a total pricing picture. A few companies don't offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

When trying to cut insurance costs, make sure you don't skimp on coverage in order to save money. There are a lot of situations where someone sacrificed full coverage and found out when filing a claim that it was a big mistake. The proper strategy is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

People switch companies for a number of reasons such as delays in responding to claim requests, lack of trust in their agent, policy cancellation and even delays in paying claims. Regardless of your reason for switching companies, choosing a new insurance company is less work than it seems.