How to Know You're Wasting Money for Auto Insurance in Stewartstown
Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us when we tell you there are lots of people in the same boat.
Big companies like GEICO and Progressive constantly blast consumers with fancy advertisements and it is difficult to sift through the bull and take the time to shop coverage around.
It's important to take a look at other company's rates every six months because prices are constantly changing. Just because you found the lowest price a year ago there may be better deals available now. You'll find quite a bit of inaccurate information about auto insurance online, so we're going to give you some great ways to stop overpaying for insurance.
If you are paying for car insurance now, you should be able to cut costs considerably using this information. Finding affordable coverage in Stewartstown is not that difficult. Although Pennsylvania consumers do need to know how insurance companies sell online because it can help you find the best coverage.
Policy discounts you shouldn't miss
Auto insurance companies don't always publicize every available discount in a way that's easy to find, so we researched both the well known as well as the least known ways to save on auto insurance.
- Theft Prevention System - Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
- Club Memberships - Being a member of a civic or occupational organization could trigger savings on your policy.
- No Accidents - Drivers with accident-free driving histories pay much less compared to frequent claim filers.
- Senior Citizens - Older drivers may receive better auto insurance rates.
- Service Members Pay Less - Having a family member in the military could be rewarded with lower premiums.
- E-sign - A handful of insurance companies may give you up to $50 for buying your policy digitally online.
- Drivers Ed for Students - Require your teen driver to take driver's ed class if offered at their school.
A little note about advertised discounts, many deductions do not apply to all coverage premiums. Most only cut individual premiums such as comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, you won't be that lucky.
For a list of providers with discount auto insurance rates in Stewartstown, click this link.
Comprehensive Stewartstown Auto Insurance Comparison
The are a couple different ways of comparing rates from auto insurance companies in your area. The recommended way to compare insurance prices is to perform an online rate comparison. This can be accomplished in just a few minutes using one of these methods.
One of the best ways to get quotes for comparison is a comparison rater form click here to open form in new window. This form keeps you from doing repetitive form submissions to each individual auto insurance company. Filling out one form gets you price quotes from multiple companies.
A slightly less efficient method to shop for auto insurance online requires a trip to the website for each individual company and fill out their own quote form. For sake of this example, let's assume you want to compare rates from , and . To find out each rate you need to spend time on each company's site to input your insurance information, which is why the first method is more popular.
For a list of links to companies insuring cars in Stewartstown, click here.
It doesn't matter which method you choose, just ensure you are comparing exactly the same quote information for each comparison quote. If you enter mixed coverages it will be impossible to determine the lowest rate in Stewartstown. Having just a slight variation in coverages may cause a big price difference. Just remember that obtaining a wide range of quotes will improve the odds of getting a better price.
The best insurance company isn't always the cheapest
While you're price shopping online, it's a bad idea to sacrifice coverage to reduce premiums. Too many times, someone sacrificed collision coverage and learned later they didn't purchase enough coverage. The aim is to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.
The cheapest auto insurance can be sourced both online and also from your neighborhood Stewartstown agents, and you should be comparing both in order to have the best price selection to choose from. Some companies may not provide online quoting and many times these small, regional companies only sell through independent insurance agents.
