Top 8 Ways to Get Lower Rates on Car Insurance in Swatara, PA
Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Trust us, many Swatara consumers feel financially strained by their car insurance policy.
Because you have many car insurance companies to choose from, it can be challenging to find the lowest price provider.
It's important to price shop coverage at least once a year since rates are constantly changing. Even if you think you had the best deal a year ago you can probably find a better price now. So block out anything you think you know about car insurance because we're going to show you the proper way to lower your annual insurance bill.
Finding affordable coverage in Swatara is quite easy. In a nutshell, every driver who has to buy car insurance stands a good chance to be able to save money. Nevertheless, Pennsylvania consumers do need to know the way insurance companies market insurance on the web and take advantage of how the system works.
Be sure to get all your discounts
Companies that sell car insurance don't always advertise all their discounts very well, so here is a list both the well known and the harder-to-find savings tricks you should be using.
- Life Insurance - Larger companies have a break if you buy a life insurance policy as well.
- Drive Less and Save - Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
- Safety Course Discount - Completing a defensive driving course could possibly earn you a 5% discount if your company offers it.
- Anti-lock Brake System - Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
- Save with a New Car - Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
- Pay Now and Pay Less - If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
- Organization Discounts - Being a member of a professional or civic organization is a good way to get lower rates on car insurance.
- No Claims - Drivers with accident-free driving histories can earn big discounts as compared to accident-prone drivers.
It's important to understand that most discounts do not apply the the whole policy. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, it doesn't quite work that way.
To choose companies with discount car insurance rates in Pennsylvania, click here to view.
Is there truth in advertising?
Car insurance companies such as GEICO, State Farm and Progressive consistently run television and radio advertisements. They all seem to make an identical promise of big savings if you change your policy. But how can every company claim to save you money? This is how they do it.
All companies are able to cherry pick for the right customer that makes them money. An example of a desirable insured might be a mature driver, has no tickets, and has excellent credit. Any new insured who meets those qualifications is entitled to the best price and is almost guaranteed to save a lot of money.
Potential customers who don't measure up to this ideal profile will have to pay a more expensive rate and ends up with the customer not buying. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that kind of money. That's the way insurance companies can confidently make those claims. Because of the profiling, you should get quotes from several different companies. It's just too difficult to predict which car insurance company will have the lowest rates.
Find out more about car insurance
More tips and info about car insurance is available at the Pennsylvania Insurance Department website. Visitors are able to file complaints about an insurance agent or broker, find disaster information, discover disciplinary actions, and find out industry alerts.
Other informative sites include Auto Insurance 101 and this page where you can research Swatara insurance agents.
The best insurance company isn't always the cheapest
While you're price shopping online, do not buy poor coverage just to save money. In many instances, an insured dropped liability limits or collision coverage only to find out they didn't purchase enough coverage. The ultimate goal is to buy enough coverage for the lowest price.
Low-cost car insurance is attainable both online in addition to many Swatara insurance agents, and you need to price shop both to have the best rate selection. Some companies do not provide online price quotes and most of the time these smaller companies sell through independent agents.
