Tightwads Instructions on Saving on Springdale Auto Insurance

Expensive auto insurance can take a big chunk out of your personal savings and make it impossible to make ends meet. Comparison shopping is free, only takes a few minutes, and is a good way to lower your monthly bill.

Lots of contend for your business, and because of this it can be hard to compare and get the best coverage at the lowest price

It's important to get comparison quotes quite often since insurance rates are constantly changing. Even if you got the lowest rates last year you can probably find a lower rate today. Starting now, ignore everything you know about auto insurance because it's time to teach you the tricks you need to know to save on auto insurance.

Springdale auto insurance quote

Free Springdale Auto Insurance Quotes

There are several ways of comparing rate quotes from local Springdale auto insurance companies. The best method to compare insurance prices consists of shopping online. This can be done in just a few minutes using one of these methods.

  • The recommended way consumers can analyze rates is to use a rate comparison form (click to open form in new window). This easy form keeps you from doing separate forms to each individual auto insurance company. One form gets rate comparisons from several companies.
  • A less efficient way to compare rate quotes is spending the time to visit the website for each individual company and fill out their own quote form. For instance, we'll assume you want comparison quotes from , and . To find out each rate you need to go to every website and enter your policy data, which is why the first method is quicker.

    To view a list of companies in Springdale, click here.
  • The least recommended way to get comparison rates is to spend your day driving to and from local Springdale insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you want the trained guidance only provided by licensed Springdale agents. However, consumers can get the lowest quotes online and still use a local agent and we'll touch on that later.

It's up to you which method you use, but make darn sure you compare the exact same information for each comparison quote. If you use higher or lower deductibles then you won't be able to determine the lowest rate in Springdale. Quoting even small variations in coverages could mean much higher rates. And when comparison shopping, having more price comparisons will enable you to find the best price.

Take advantage of discounts

Companies do not advertise every available discount in an easy-to-find place, so we break down some of the best known and also the lesser-known savings tricks you should be using.

  • Anti-lock Brake System - Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Resident Student - Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Life Insurance - Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • Memberships - Affiliation with certain professional organizations is a good way to get lower rates on your policy.
  • Student Driver Training - Have your child take driver's ed class if it's offered in school.
  • No Claims - Drivers who don't have accidents can save substantially compared to bad drivers.

As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Most only apply to specific coverage prices like comprehensive or collision. So when it seems like having all the discounts means you get insurance for free, auto insurance companies aren't that generous.

To see a list of providers who offer auto insurance discounts in Springdale, click here to view.

How to know if you need help

When choosing adequate coverage for your personal vehicles, there 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 will benefit from professional help.

  • Do I need PIP (personal injury protection) coverage in Pennsylvania?
  • Do I pay less if my vehicle is kept in my garage?
  • What happens if I owe more than my vehicle is worth?
  • Am I getting all the discounts available?
  • Is my cargo covered for damage or theft?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my personal policy cover me when driving my company car?
  • Should I rate my vehicle as pleasure use or commute?

If you're not sure about those questions, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

More sites with auto insurance information

Even more information can be found at the Pennsylvania Insurance Department website. Pennsylvania drivers can read consumer alerts, read enforcement actions against agents and companies, file complaints about an insurance agent or broker, and find out which companies have the most complaints.