Proven Ways to Save on Tamaqua Auto Insurance

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

Having so many companies to choose from, it is very difficult to locate the lowest price provider.

It's important to compare prices occasionally because insurance rates are constantly changing. Even if you think you had the best deal a year ago you will most likely find a better rate today. So forget anything you know (or think you know) about auto insurance because you're about to learn the proper way to find lower rates on auto insurance.

Take advantage of discounts

Car insurance can cost a lot, but you can get discounts to help bring down the price. Certain discounts will be applied when you get a quote, but some must be specifically requested before you will receive the discount.

  • Discount for Swiching Early - Some companies give discounts for switching policies prior to your current policy expiring. The savings is around 10%.
  • Anti-theft Discount - Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Safety Course Discount - Completing a course in driver safety can save you 5% or more if you qualify.
  • Low Mileage - Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
  • Pay Now and Pay Less - If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
  • Homeowners Savings - Being a homeowner can help you save on auto insurance because maintaining a house requires personal responsibility.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Most cut specific coverage prices like medical payments or collision. So even though it sounds like it's possible to get free car insurance, auto insurance companies aren't that generous. Any amount of discount will help reduce your overall premium however.

Pennsylvania auto insurance

How to know if you need help

When it comes to buying proper insurance coverage for your vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else's so your insurance should reflect that These are some specific questions might point out whether your personal situation might need an agent's assistance.

  • Does my car insurance cover rental cars?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Do I really need UM/UIM coverage?
  • Is my vehicle covered for flood damage?
  • What can I do if my company won't pay a claim?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I covered when pulling a rental trailer?

If you're not sure about those questions then you might want to talk to a licensed insurance agent. If you don't have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Are auto insurance companies telling the truth?

Companies like State Farm and Allstate consistently run ads on TV and radio. All the ads make an identical promise about savings if you change to their company. But how can every company make almost identical claims? 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 could possibly be between the ages of 30 and 50, owns a home, and has excellent credit. A driver who meets those qualifications gets the lowest rates and most likely will save a lot of money.

Drivers who don't qualify for this ideal profile will be charged higher premiums and ends up with the driver buying from a lower-cost company. The ads say "customers who switch" not "people who quote" save that much. That is how companies can truthfully make those claims.

That is why you should quote coverage with many companies. It is impossible to predict which company will have the lowest rates.

Additional information is available on the website for the Pennsylvania Insurance Department found here. Pennsylvania consumers can file complaints about a company, read consumer alerts, discover disciplinary actions, and get help finding coverage.

Also read more on III.org's auto insurance page and this directory of insurance agents in Tamaqua Pennsylvania.

Tamaqua auto insurance quote

Affordable insurance is out there

In this article, we presented some good ideas how you can reduce auto insurance prices online. It's most important to understand that the more you quote, the better your comparison will be. Drivers may discover the lowest rates come from a small mutual company. Regional companies may have significantly lower rates on certain market segments than their larger competitors like .

While you're price shopping online, do not buy lower coverage limits just to save a few bucks. There have been many cases where an insured cut liability limits or collision coverage only to find out they didn't purchase enough coverage. Your goal should be to purchase plenty of coverage at the best price, not the least amount of coverage.

Cheap auto insurance is attainable online and also from your neighborhood Tamaqua agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies may not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.