Consumer Tested Strategies to Save on St Benedict Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Trust us, you are not the only one feeling buyer's remorse. Companies like State Farm, Allstate, GEICO and Progressive all claim big savings with ad campaigns and consumers find it hard to sift through the bull and effectively compare rates to find the best deal.

If you have a current auto insurance policy or need a new policy, you will benefit by learning to shop for the lowest rates while maximizing coverage. Finding affordable coverage in St Benedict is easy if you know what you're doing. Pennsylvania vehicle owners just need to know the most effective way to compare company rates over the internet.

Understand what determines the rate you pay

Consumers need to have an understanding of the rating factors that help determine auto insurance rates. Having a good understanding of what controls the rates you pay helps enable you to make changes that could result in lower auto insurance prices.

Safer cars cost less to insure - Cars with high safety ratings tend to have better insurance rates. Safe vehicles have better occupant injury protection and better occupant protection means lower claim amounts and more competitive rates for policyholders.
Don't sacrifice liability coverage - Liability coverage provides coverage if a jury decides you are liable for damages caused by your negligence. It provides legal defense starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should carry high limits.
Being married can save on auto insurance - Having a wife or husband can get you a discount on your auto insurance policy. Having a spouse usually means you are more mature than a single person and it's proven that being married results in fewer claims.
Frequent auto insurance claims increase rates - Auto insurance companies in Pennsylvania give cheaper rates to people who do not rely on their insurance for small claims. If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for the large, substantial claims.
Traffic citations inflate rates - Whether or not you get tickets has a huge affect on how much you pay. Only having one citation may increase your cost forty percent or more. Drivers with clean records have lower premiums compared to drivers with tickets. Drivers with flagrant tickets like hit and run, DWI or reckless driving convictions are required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.
Don't buy coverages you don't need - There are a ton of extra coverages that you can get tricked into buying if you aren't careful. Insurance for vanishing deductibles, accidental death and membership fees may be wasting your money. They may seem like a good idea when you first buy your policy, but your needs may have changed so eliminate the coverages to reduce your premium.

Be sure to get all your discounts

Companies don't always advertise all available discounts in a way that's easy to find, so we researched some of the best known as well as the least known ways to save on auto insurance. If you aren't receiving every discount possible, you are paying more than you should be.

Fewer Miles Equal More Savings - Fewer annual miles could be rewarded with better rates on cars that stay parked.
Multiple Vehicles - Buying insurance for multiple vehicles with the same company may reduce the rate for each vehicle.
Homeowners Discount - Owning a home in St Benedict may earn you a small savings due to the fact that maintaining a home shows financial diligence.
Drivers Ed for Students - Cut your cost by having your teen driver enroll in driver's education if it's offered in school.
Federal Government Employee - Employees or retirees of the government can save as much as 8% depending on your company.
Paperless Signup - Certain companies give back up to $50 for buying a policy and signing up digitally online.
Driver Safety - Completing a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
New Vehicle Savings - Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
No Claims - Drivers with accident-free driving histories pay much less when compared with accident-prone drivers.
Senior Discount - If you're over the age of 55, you may be able to get a discount up to 10%.

Drivers should understand that many deductions do not apply to all coverage premiums. Most only apply to individual premiums such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, companies wouldn't make money that way.

To choose insurers who offer auto insurance discounts in St Benedict, click this link.

Is there truth in advertising?

Pennsylvania drivers can't ignore all the ads that promise big savings from companies such as 21st Century, Allstate and State Farm. All the companies make the same claim that you'll save big after switching your policy.

How can each company say the same thing?

All companies are able to cherry pick for the right customer that makes them money. For instance, a profitable customer might be profiled as a mature driver, has no driving citations, and drives newer vehicles. A propective insured who matches those parameters is entitled to the best price and is almost guaranteed to save when they switch companies.

Drivers who don't measure up to the requirements must pay higher premiums which leads to business not being written. Company advertisements say "customers that switch" but not "drivers who get quotes" save that kind of money. That's the way companies can claim big savings. This illustrates why you should compare many company's rates. It's not possible to predict which auto insurance company will give you the biggest savings.

Learn more about Pennsylvania auto insurance

More detailed Pennsylvania auto insurance information is located at the Pennsylvania Insurance Department website. Pennsylvania drivers can find disaster information, find out which companies have the most complaints, get help finding coverage, and download brochures.

In the end, you save

Budget-conscious auto insurance can be sourced on the web in addition to many St Benedict insurance agents, and you need to price shop both to have the best chance of lowering rates. A few companies do not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

In this article, we covered many ideas to save on auto insurance. The most important thing to understand is the more companies you get rates for, the better chance you'll have of finding lower rates. Consumers may even find the best price on auto insurance is with some of the lesser-known companies. Some small companies may only write in your state and offer lower rates compared to the large companies like .