Top Ways to Save on Susquehanna Auto Insurance

Have you had enough of scraping the payment together each month for car insurance? You are in the same boat as most other car owners in Pennsylvania. Online insurance companies like GEICO and Progressive all promote huge savings with fancy advertisements and it is challenging if not impossible to sift through the bull and find the best price available.

It's important to take a look at other company's rates before your policy renews since insurance rates are constantly changing. Just because you had the best deal a couple years back you will most likely find a better rate today. Starting now, forget all the misinformation about auto insurance because it's time to teach you the proper way to reduce your cost while increasing coverage.

How much can you save with discounts?

Companies offering auto insurance do not advertise all their discounts in a way that's easy to find, so here is a list some of the best known as well as the least known discounts you could be receiving. If you aren't receiving every discount available, you are throwing money away.

  • Homeowners Pay Less - Owning a house in Susquehanna can save you money because owning a home requires personal responsibility.
  • Employee of Federal Government - Active or retired federal employment can earn a discount up to 10% with select insurance companies.
  • Passive Restraint Discount - Factory air bags can qualify for discounts of 20% or more.
  • Seat Belt Usage - Drivers who require all occupants to buckle their seat belts could save 15% off your PIP or medical payments premium.
  • College Student - Youth drivers who live away from home and do not have a car can receive lower rates.
  • Payment Discounts - By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.

As a disclaimer on discounts, some credits don't apply to the entire cost. Most only cut individual premiums such as liability, collision or medical payments. So when the math indicates you could get a free auto insurance policy, auto insurance companies aren't that generous.

Save 15 percent in 15 minutes? Is it for real?

Pennsylvania drivers get pounded daily by advertisements for the lowest price auto insurance by State Farm, GEICO and Progressive. They all seem to have a common claim about savings if you switch to their company.

How can each company say the same thing?

Different companies can use profiling for the driver that earns them a profit. An example of a desirable insured might be profiled as a mature driver, is a homeowner, and drives less than 10,000 miles a year. A propective insured that hits that "sweet spot" will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Consumers who don't meet the requirements will have to pay higher prices and this can result in business not being written. The ad wording is "customers that switch" but not "drivers who get quotes" save that much. That's why companies can truthfully advertise the way they do. Because of the profiling, you should get as many quotes as possible. It's not possible to predict the company that will provide you with the cheapest rates.

Even more information is available at the Pennsylvania Insurance Department website. Pennsylvania drivers can report car insurance fraud, download brochures, find out industry alerts, and find a variety of consumer forms.

A tidy conclusion

Cheap auto insurance is available on the web and also from your neighborhood Susquehanna agents, and you need to price shop both in order to have the best price selection to choose from. Some auto insurance companies may not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

Throughout this article, we presented a lot of ways to reduce auto insurance prices online. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. You may be surprised to find that the best price on auto insurance is with some of the lesser-known companies. Regional companies may have significantly lower rates on certain market segments compared to the large companies like .