6 Guaranteed Ways to Lower Car Insurance Costs in St Clair, PA
Are you overwhelmed by the wide range of car insurance company choices in St Clair? Many other consumers are too. There are so many choices that it can turn into a big hassle to find better rates.
It's important to do rate comparisons at least once a year since rates are constantly changing. Just because you found the best rates last year you can probably find a better price now. There is a lot of bad information regarding car insurance online but I'm going to show you some great ways to quit paying high car insurance rates.
Finding the best rates in St Clair is quite easy. If you have a policy now or are shopping for new coverage, you will benefit by learning to get lower rates and still get good coverage. Pennsylvania drivers only need an understanding of the most effective way to shop for car insurance on the web.
These six discounts can lower your rates
Companies offering auto insurance don't list all their discounts very clearly, so the following is a list of some of the more common and the more hidden savings tricks you should be using. If you're not getting every credit possible, you are paying more than you should be.
- Life Insurance - Larger companies have a discount if you purchase life insurance.
- Drive Less and Save - Low mileage vehicles could qualify for discounted rates on garaged vehicles.
- Multiple Cars - Buying coverage for all your vehicles with the same company could earn a price break for each car.
- No Charge for an Accident - Certain companies permit an accident before hitting you with a surcharge as long as you don't have any claims for a set time period.
- Anti-lock Brake System - Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.
- College Student - Kids in college living away from home attending college and don't have a car can be insured at a reduced rate.
Consumers should know that most discount credits are not given the the whole policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, companies don't profit that way.
To choose companies with discount car insurance rates in Pennsylvania, click here to view.
Are you falling for claims of savings?
Consumers can't ignore all the ads that promise big savings by companies like GEICO, State Farm and Progressive. They all seem to make an identical promise of big savings if you change to them.
How does each company make the same claim?
Insurance companies are able to cherry pick for the type of driver that makes them money. A good example of a desirable insured could be a mature driver, has no tickets, and drives newer vehicles. Any new insured who meets those qualifications is entitled to the best price and as a result will probably save when switching.
Potential insureds who are not a match for these standards will have to pay more money and ends up with business going elsewhere. The ads state "people who switch" not "everybody who quotes" save money. That's the way insurance companies can confidently claim big savings. Because of the profiling, you should get a wide range of price quotes. It's just too difficult to predict which car insurance company will give you the biggest savings.
Find out more about car insurance
More tips and info about car insurance can be read at the Pennsylvania Insurance Department website. Consumers can file complaints about an insurance agent or broker, find disaster information, and find out which companies have the most complaints.
A tidy conclusion
When trying to cut insurance costs, never buy poor coverage just to save money. In many instances, an insured dropped full coverage and found out when filing a claim that it was a big mistake. The ultimate goal is to buy a smart amount of coverage at an affordable rate.
Cost effective car insurance can be sourced from both online companies and with local St Clair insurance agents, and you need to price shop both in order to have the best chance of saving money. A few companies do not offer online price quotes and most of the time these small insurance companies sell through independent agents.
People leave their current company for many reasons like delays in paying claims, delays in responding to claim requests, lack of trust in their agent or even denial of a claim. Regardless of your reason for switching companies, finding the right car insurance provider is easier than you think.
