Finding Low-Cost Somerset Auto Insurance

Nobody likes having to buy auto insurance, in particular when the cost is too high.

Because you have many companies and agents to choose from, it can be hard to locate the lowest price company.

It's important to shop coverage around occasionally because insurance rates are constantly changing. If you had the best rates a couple years back you will most likely find a better rate today. You can find a lot of misleading information regarding auto insurance on the internet, so I'm going to show you some great ways to put money back in your pocket.

Choosing the best insurance company for you in Somerset is not that difficult. If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using these techniques. Although Pennsylvania drivers do need to know the way companies determine prices.

More discounts equal less premium

Companies offering auto insurance don't always advertise all their discounts very well, so the following is a list of both well-publicized and also the lesser-known savings tricks you should be using.

  • Accident Forgiveness - Some insurance companies allow you one accident before your rates go up as long as you don't have any claims for a particular time prior to the accident.
  • Theft Prevention System - Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Lower Rates for Military - Being on active duty in the military can result in better rates.
  • Drive Less and Save - Keeping the miles down could qualify for discounted rates on garaged vehicles.
  • Clubs and Organizations - Participating in a professional or civic organization is a good way to get lower rates on auto insurance.
  • Good Student - Performing well in school can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
  • Homeowners Savings - Owning a house in Somerset can help you save on auto insurance because of the fact that having a home demonstrates responsibility.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. Some only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, you won't be that lucky.

It's not one size fits all

When it comes to buying coverage for your vehicles, there really is no one size fits all plan. Every situation is different so your insurance should reflect that Here are some questions about coverages that might point out if you might need an agent's assistance.

  • Does my policy cover me when driving someone else's vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Am I covered when pulling a rental trailer?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Is my dog or cat covered if injured in an accident?
  • Is my nanny covered when driving my vehicle?
  • Do I have coverage when using my vehicle for my home business?

If you're not sure about those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Switch companies and save? Really?

Auto insurance companies such as State Farm, GEICO and Progressive regularly use ads in print and on television. They all seem to make an identical promise about savings if you move your coverage to them. But how can every company make almost identical claims? It's all in the numbers.

All the different companies have a certain "appetite" for the type of customer that earns them a profit. A good example of a desirable insured could possibly be between the ages of 30 and 50, owns a home, and drives less than 10,000 miles a year. A driver who meets those qualifications will qualify for the lowest rates and therefore will save a lot of money.

Consumers who do not match this ideal profile will have to pay higher rates and ends up with the driver buying from a lower-cost company. The ad wording is "customers who switch" not "everyone that quotes" save that much money. That is how companies can truthfully advertise the way they do. Because of the profiling, you should get a wide range of price quotes. It is impossible to predict which company will provide you with the cheapest rates.

For more Pennsylvania car insurance information

Even more information can be read at the Pennsylvania Insurance Department website. Pennsylvania consumers can learn about insurance regulations, read consumer alerts, view a list of available companies, and find disaster information.

Also read more on this site for Pennsylvania auto insurance information and see this list of insurance agents in Somerset.

Somerset auto insurance quote

Do the work, save more money

The cheapest auto insurance is possible online as well as from independent agents in Somerset, and you should compare price quotes from both to get a complete price analysis. Some auto insurance companies don't offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

As you go through the steps to switch your coverage, do not buy lower coverage limits just to save a few bucks. In many cases, an insured cut full coverage and found out when filing a claim that the savings was not a smart move. Your aim should be to get the best coverage possible at the best price.