Tightwads Guide to Saving on Spring House Auto Insurance

Expensive auto insurance can overdraw your savings account, especially in this economy. Shopping your coverage around is a smart way to slash your bill and have more diposable income.

Since consumers have many companies and agents to choose from, it is very difficult to choose the right car insurance company.

How to Lower Your Auto Insurance Cost in Spring House, Pennsylvania

Most major insurance companies allow you to get insurance quotes online. Getting online quotes doesn't take much effort as you simply type in the coverages you want into the quote form. Behind the scenes, their system will obtain reports for credit and driving violations and gives you a price quote determined by many factors. This makes it a lot easier to compare rates but the process of having to visit several different sites and enter the same data into a form is repetitive and time-consuming. Unfortunately, it is important to do this in order to find a lower rate.

A less time-consuming method to find lower prices requires only one form to obtain quotes from a bunch of companies at once. It's a real time-saver, helps eliminate reptitive entry, and makes quoting online much easier to do. After sending the form, it is rated and you can choose any or none of the returned quotes. If one or more price quotes are lower than your current rates, you can click and sign and buy the policy. The entire process takes 15 minutes at the most and could lower your rates considerably.

To quickly find out how much you're overpaying now, click here and begin entering your coverage information. If you currently have coverage, we recommend you replicate the limits and deductibles exactly as shown on your declarations page. This way, you will receive rate comparison quotes based on similar coverages.

Understand what determines the rate you pay

It's important that you understand some of the elements that go into determining auto insurance rates. When you know what positively or negatively influences your rates helps enable you to make changes that will entitle you to lower auto insurance prices.

Listed below are a few of the "ingredients" that factor into prices.

Your occupation can affect rates - Did you know your auto insurance rates can be affected by your occupation? Careers like lawyers, architects and stock brokers are shown to have the highest rates in part from high stress and lengthy work days. On the other hand, jobs such as pilots, students and homemakers pay the least.
Are you male or female? - Statistics have proven women tend to be less risk to insure than men. That doesn't necessarily mean that men are WORSE drivers than women. Women and men cause accidents in similar percentages, but the men cause more damage. Men also statistically get cited for more serious violations like reckless driving and DUI. Young males tend to get in the most accidents and thus pay the highest rates.
A clean driving record saves money - Even one moving violation may increase your cost by as much as thirty percent. Drivers with clean records tend to pay less for car insurance than bad drivers. If you have serious violations like hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to continue driving.
Discounts for multiple policies - Most companies provide better rates to people who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount, it's in your best interest to shop around to confirm you are receiving the best rates possible.
Always keep insurance in force - Allowing your auto insurance policy to lapse is a quick way to bump up your auto insurance costs. And not only will insurance be more expensive, but being ticketed for driving with no insurance will get you a steep fine or even jail time.You may need to file a SR-22 with the Pennsylvania DMV.
Theft deterrents lower rates - Purchasing a vehicle with anti-theft technology or alarm system can help lower your rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your car from being stolen.

More discounts equal less premium

Companies that sell car insurance don't list every discount very well, so we took the time to find some of the best known and the harder-to-find auto insurance savings.

No Claims - Drivers who don't have accidents can save substantially when compared to frequent claim filers.
Accident Waiver - Some insurance companies will allow you to have one accident without raising rates if your claims history is clear prior to the accident.
Early Signing - Select companies give a discount for signing up before your current policy expires. This can save 10% or more.
Multiple Policy Discount - When you have multiple policies with the same insurance company you could get a discount of up to 20% off your total premium.
Use Seat Belts - Drivers who require all occupants to buckle their seat belts could cut 10% or more off your medical payments premium.

It's important to note that most credits do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like comp or med pay. Even though it may seem like you can get free auto insurance, you're out of luck.

For a list of insurance companies offering auto insurance discounts in Pennsylvania, follow this link.

Additional detailed information can be found at the Pennsylvania Insurance Department website. Pennsylvania drivers can read industry bulletins, learn about insurance regulations, file complaints about a company, and read consumer alerts.

Other useful links include this online resource for auto insurance quotes in Pennsylvania and this list of insurance agents in Spring House.

Affordable insurance is out there

Lower-priced auto insurance is available on the web in addition to many Spring House insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers do not provide online quoting and these regional insurance providers work with independent agents.

Throughout this article, we presented a lot of tips how to lower your auto insurance rates. The key thing to remember is the more price quotes you have, the better your chances of lowering your rates. Consumers could even find that the lowest rates come from a lesser-known regional company. Smaller companies often have lower prices on specific markets as compared to the big name companies such as .