Free Guide to Spending Less for Spring Grove Auto Insurance Online

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me when I say there are a lot of people in Spring Grove just like you who feel imprisoned by their auto insurance policy. Drivers have so many to buy insurance from, and though it is a good thing to be able to choose, too many choices makes it more difficult to compare rates.

It's important to compare prices every six months because prices are constantly changing. If you had the lowest rates a couple years back you can probably find a better price now. Starting right now, block out anything you think you know about auto insurance because you're going to get a crash course in the tricks you need to know to find lower rates on auto insurance.

The purpose of this post is to help educate you on how to get online quotes. If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using these techniques. Pennsylvania vehicle owners just need to know the proper way to find the lowest price online.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of the different types of things that come into play when calculating the price you pay for auto insurance. Knowing what controls the rates you pay empowers consumers to make smart changes that may reward you with big savings.

The list below includes a few of the "ingredients" used by your company to calculate rates.

  • Pay less after the wedding - Having a spouse actually saves money on your policy. It translates into being more mature than a single person it has been statistically shown that being married results in fewer claims.
  • Don't sacrifice liability coverage - The liability section of your policy provides coverage if ever a court rules you are at fault for personal injury or accident damage. Liability insurance provides for a legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not cut corners here.
  • Lower rates with optional equipment - Choosing a vehicle with anti-theft technology or alarm system can get you a discount on your auto insurance. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart car theft.
  • Do you know your deductibles? - Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims could be running into the backend of another car, vandalism, and burglary. Deductibles for physical damage are how much you are required to spend out-of-pocket if you file a covered claim. The higher the amount you have to pay, the less your auto insurance will be.
  • Rates may be lower depending on your job - Jobs such as lawyers, business owners and financial analysts have higher average rates in part from stressful work requirements and lots of time spent at work. Conversely, jobs such as actors, engineers and the unemployed get better rates.
  • Drive a safer car and pay less - Vehicles with good safety scores can get you lower premiums. These vehicles protect occupants better and lower injury rates means lower claim amounts and thus lower rates.

Don't pay full price with these discounts

Insuring your vehicles can cost a lot, but discounts can save money and there are some available to help offset the cost. Some trigger automatically at quote time, but lesser-known reductions have to be asked about in order for you to get them. If you're not getting every credit possible, you are paying more than you should be.

  • Sign Online - A handful of insurance companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
  • Organization Discounts - Participating in a qualifying organization is a good way to get lower rates on auto insurance.
  • Pay Upfront and Save - If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
  • Homeowners Discount - Owning a house in Spring Grove can help you save on auto insurance because of the fact that having a home is proof that your finances are in order.
  • Claim Free - Drivers with accident-free driving histories can save substantially as compared to accident-prone drivers.
  • Lower Rates for Military - Being on active duty in the military can result in better rates.
  • Seat Belts Save - Buckling up and requiring all passengers to use their safety belts could save 15% on the medical payments or PIP coverage costs.
  • Federal Government Employee - Employees or retirees of the government may qualify you for a discount with select insurance companies.
  • More Vehicles More Savings - Having multiple cars or trucks with the same company qualifies for this discount.
  • Discount for Good Grades - This discount can be rewarded with saving of up to 25%. This discount can apply up to age 25.

Drivers should understand that most discounts do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, companies wouldn't make money that way. But all discounts will bring down your premiums.

To choose companies with the best auto insurance discounts in Pennsylvania, click here to view.

The auto insurance bait and switch

Pennsylvania consumers can't ignore all the ads that promise big savings from the likes of State Farm, GEICO and Progressive. They all seem to make an identical promise that you'll save big if you move your coverage to them.

How does each company make almost identical claims? This is how they do it.

All the different companies are able to cherry pick for the type of customer that makes them money. For example, a desirable insured could possibly be between 25 and 40, has no driving citations, and drives less than 10,000 miles a year. A customer getting a price quote who meets those qualifications will get the preferred rates and therefore will save when switching.

Potential insureds who don't measure up to these standards will have to pay more money and ends up with the driver buying from a lower-cost company. The ads state "drivers who switch" not "everyone that quotes" save that much money. That's the way companies can advertise the way they do.

Because of the profiling, you should get as many comparisons as possible. It's impossible to know which auto insurance company will provide you with the cheapest rates.

Learn more about Pennsylvania auto insurance

Much more information about auto insurance in Pennsylvania can be found on the website for the Pennsylvania Insurance Department. Click here for link. Pennsylvania consumers can get help finding coverage, find out which companies have the most complaints, view a list of available companies, and report car insurance fraud.

In the end, you save

Budget-conscious auto insurance is possible online as well as from independent agents in Spring Grove, so you should compare both in order to have the best chance of saving money. Some auto insurance companies don't offer online price quotes and most of the time these regional insurance providers sell through independent agents.

You just read many tips how you can save on auto insurance. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. You may even find the most savings is with a lesser-known regional company. Some small companies may only write in your state and offer lower rates as compared to the big name companies such as .