6 Ways to Save on Car Insurance in Stockertown Pennsylvania

Beginners to buying insurance online might discover buying cheap Stockertown car insurance is harder than they anticipated.

Buying car insurance in Stockertown is easy if you know what you're doing. If you have car insurance now, you should be able to save some money using these methods. But Pennsylvania car owners do need to know the way companies compete online and take advantage of how the system works.

compare Stockertown car insurance rates

Automobile Insurance Quotes in Stockertown, PA

There are several ways to compare rate quotes from different Stockertown insurance companies. The best method to find the cheapest insurance rates is simply to get online rate quotes. This can be done using a couple different methods.

  • The recommended way to get quotes is to use a rate comparison form like this one (opens in new window). This form saves time by eliminating separate forms for every car insurance company. A single form will get you rate comparisons from several companies. This is by far the quickest method.
  • A different way to get quotes online requires you to visit the website of each company to complete a price quote. For sake of this example, let's say you want to compare , and . To get rate quotes you would need to spend time on each company's site and enter your policy data, which is why the first method is more popular.

    To view a list of companies in Stockertown, click here.
  • The hardest method to get comparison rates is to waste gas driving to different Stockertown agent offices. The internet has reduced the need for local agents unless you require the personal advice of a local Stockertown agent. Drivers can get the lowest quotes online and still use a local agent and we'll cover that in a bit.

It doesn't matter which method you choose, just make absolute certain that you use apples-to-apples coverage information with each company. If each company quotes unequal deductibles or liability limits it's not possible to make an equal comparison in Stockertown. Having just a slight variation in insurance coverages can make a big difference in price. And when quoting car insurance, remember that quoting more provides better odds of finding the best offered rates.

Save big with these six discounts

Car insurance companies don't always advertise every discount very well, so here is a list some of the more common as well as the least known ways to save on car insurance.

  • Military Rewards - Having a family member in the military may qualify for rate reductions.
  • Braking Control Discount - Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Distant Student - Any of your kids who live away from home and do not have access to a covered vehicle may qualify for this discount.
  • Passive Restraint Discount - Cars that have air bags or motorized seat belts can receive discounts of more than 20%.
  • Auto/Life Discount - Select insurance companies reward you with a break if you buy a life insurance policy as well.
  • Accident Free - Good drivers with no accidents can earn big discounts when compared to bad drivers.

Drivers should understand that many deductions do not apply to your bottom line cost. Some only apply to individual premiums such as liability and collision coverage. Just because it seems like all the discounts add up to a free policy, companies wouldn't make money that way.

To see a list of insurance companies who offer car insurance discounts in Pennsylvania, click this link.

But I don't know anything about car insurance

When choosing proper insurance coverage for your vehicles, there really is no "perfect" insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out if your situation might need an agent's assistance.

  • Am I covered when pulling a rental trailer?
  • Do I need PIP (personal injury protection) coverage in Pennsylvania?
  • What are Pennsylvania no-fault laws?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my insurance cover a custom paint job?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I rate my vehicle as pleasure use or commute?

If it's difficult to answer those questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form.

For more Pennsylvania car insurance information

More detailed Pennsylvania car insurance information is available at the Pennsylvania Insurance Department website. Consumers can view a list of available companies, read consumer alerts, and read enforcement actions against agents and companies.

Additional helpful sites include this page for car insurance prices in Pennsylvania and this page of Stockertown insurance agents.