Tightwads Guide to Saving on Summit Hill Auto Insurance

No one in their right mind likes having to buy auto insurance, especially knowing the price is too high.

With consumers having so many choices, it is very difficult to locate the best provider.

It's important to compare prices periodically since insurance rates are constantly changing. Even if you got the best deal six months ago you will most likely find a better rate today. Starting right now, forget anything you know (or think you know) about auto insurance because it's time to teach you the proper way to find lower rates on auto insurance.

Buying car insurance in Summit Hill is easy if you know what you're doing. Basically, everyone who is required by state law to have auto insurance should be able to reduce their rates. But Pennsylvania vehicle owners do need to know how the larger insurance companies price online insurance and take advantage of how the system works.

Save big with these discounts

Companies don't list every available discount very well, so here is a list some of the best known and also the lesser-known savings tricks you should be using.

Anti-lock Brake System - Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
Early Signing - Some companies give discounts for signing up prior to your current policy expiring. This can save 10% or more.
Multi-policy Discount - If you have multiple policies with the same company you may earn up to 20% off your total premium.
Homeowners Savings - Being a homeowner can help you save on auto insurance because owning a home requires personal responsibility.
Driver's Ed - Make teen driver coverage more affordable by requiring them to take driver's ed class in school.
Low Mileage - Driving fewer miles can qualify you for discounted rates on garaged vehicles.
Service Members Pay Less - Being on active duty in the military could mean lower rates.
Seat Belts Save - Drivers who require all occupants to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
Good Student - Performing well in school can get you a discount of up to 25%. The discount lasts until age 25.
Federal Employees - Active or retired federal employment can save as much as 8% with certain companies.

Drivers should understand that most discounts do not apply to the entire policy premium. Some only apply to specific coverage prices like comprehensive or collision. So even though they make it sound like it's possible to get free car insurance, companies wouldn't make money that way.

But I don't know anything about car insurance

When it comes to buying proper insurance coverage for your vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else's so your insurance should reflect that These are some specific questions may help highlight if your situation will benefit from professional help.

Does my insurance cover a custom paint job?
Does my car insurance cover rental cars?
Can I get a multi-policy discount for packaging my home and auto coverage?
Am I covered when driving in Canada or Mexico?
Will I be non-renewed for getting a DUI or other conviction?
Does my policy cover my teen driver if they drive my company car?

If you're not sure about those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

Auto insurance ads bend the truth

Companies like Allstate and Progressive constantly bombard you with ads on TV and radio. All the ads make an identical promise that you'll save big if you switch to their company. But how can every company say the same thing? It's all in the numbers.

All companies have a certain "appetite" for the driver that earns them a profit. An example of a preferred risk might be profiled as between the ages of 40 and 55, a clean driving record, and has a high credit rating. A propective insured who meets those qualifications will qualify for the lowest rates and most likely will save a lot of money.

Drivers who fall outside this ideal profile will be charged higher premiums and ends up with business not being written. The ad wording is "customers who switch" not "people who quote" save that much. That is how companies can state the savings. That is why you should compare many company's rates. It's not possible to predict which company will have the lowest rates.

More detailed Pennsylvania auto insurance information is available at the Pennsylvania Insurance Department website. Pennsylvania drivers can find out industry alerts, file complaints about a company, read consumer alerts, and get help finding coverage.

Also read more on NAIC.org's Understanding your Policy and this directory of Summit Hill insurance agents.

Affordable insurance is out there

As you restructure your insurance plan, do not buy lower coverage limits just to save a few bucks. Too many times, someone dropped liability limits or collision coverage only to find out that they should have had better coverage. The aim is to get the best coverage possible at the best price, not the least amount of coverage.

Throughout this article, we presented many tips how you can reduce auto insurance prices online. The key thing to remember is the more quotes you get, the better your chances of lowering your rates. Consumers may even find the lowest priced auto insurance comes from a small mutual company. Regional companies may only write in your state and offer lower rates than their larger competitors like .