Tightwads Guide to Saving on South Fork Auto Insurance

Overpriced auto insurance can drain your personal savings and force you to make sacrifices. Shopping your coverage around is free, only takes a few minutes, and is a good way to lower your monthly bill.

Having so many companies to choose from, it can be impossible to locate the lowest price provider.

Take advantage of discounts

Companies do not list all available discounts very well, so here is a list some of the best known and also the lesser-known savings tricks you should be using.

  • Defensive Driving Course - Successfully completing a course teaching defensive driving skills could cut 5% off your bill if you qualify.
  • Senior Discount - If you qualify as a senior citizen, you can possibly qualify for reduced rates.
  • Military Rewards - Being on active duty in the military can result in better rates.
  • Passive Restraints - Vehicles equipped with air bags or automatic seat belts can receive discounts up to 30%.
  • Good Student Discount - Performing well in school can earn a discount of 20% or more. The discount lasts up to age 25.

Keep in mind that most discount credits are not given to the overall cost of the policy. Most cut specific coverage prices like liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, it just doesn't work that way.

auto insurance in South Fork

How to know if you need help

When it comes to buying proper insurance coverage for your personal vehicles, there really is no one size fits all plan. Every situation is different so your insurance should reflect that These are some specific questions may help you determine whether your personal situation might need professional guidance.

  • Should I rate my vehicle as pleasure use or commute?
  • Should I buy additional glass protection?
  • Do I have coverage when using my vehicle for my home business?
  • Should I drop comprehensive coverage on older vehicles?
  • Why am I required to buy high-risk coverage?
  • Is my dog or cat covered if injured in an accident?
  • Does my car insurance cover rental cars?
  • Do I have any recourse if my insurance company denies a claim?

If you're not sure about those questions then you might want to talk to an agent. If you don't have a local agent, complete this form or go to this page to view a list of companies.

Are auto insurance companies telling the truth?

21st Century, Allstate and State Farm regularly use ads on TV and radio. All the companies make an identical promise that you can save if you move to them. But how can every company say the same thing? It's all in the numbers.

Insurance companies have a preferred profile for the type of driver that earns them a profit. An example of a profitable customer might be profiled as between 30 and 50, insures multiple vehicles, and has a high credit rating. A propective insured who meets those qualifications gets the lowest rates and most likely will save a lot of money.

Potential customers who don't qualify for this ideal profile must pay higher prices and ends up with business not being written. The ads say "customers who switch" not "people who quote" save money. This is how insurance companies can state the savings. This illustrates why you should get a wide range of price quotes. It's not possible to predict which insurance companies will have the lowest rates.

More sites with auto insurance information

Additional detailed information is available at the Pennsylvania Insurance Department website. Pennsylvania drivers can discover disciplinary actions, learn about insurance regulations, find disaster information, and find out industry alerts.

Also read more on this resource for Pennsylvania auto insurance prices and this link which helps you find a South Fork agent.

South Fork auto insurance comparison

The best insurance company isn't always the cheapest

Affordable auto insurance is possible on the web and with local South Fork insurance agents, so compare prices from both so you have a total pricing picture. Some insurance companies do not offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

As you restructure your insurance plan, don't be tempted to buy lower coverage limits just to save a few bucks. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. The proper strategy is to purchase plenty of coverage at the best price while not skimping on critical coverages.