Top Ways to Save on Taylor Auto Insurance

I can't think of anyone who looks forward to buying auto insurance, in particular when the cost is too high. Drivers have multiple to buy insurance from, and though it is a good thing to have a choice, it can be more challenging to compare rates.

It's important to take a look at other company's rates occasionally because insurance rates are constantly changing. Even if you think you had the best rates a couple years back you may be paying too much now. There is too much inaccurate information about auto insurance online but I'm going to show you some great ways to slash your auto insurance rates.

Finding Auto Insurance Deals in Taylor, PA

Most major insurance companies like GEICO, State Farm and Progressive allow you to get coverage prices directly from their websites. Getting online rates is pretty painless as you just type in your coverage preferences as detailed in the form. Behind the scenes, the company's rating system will obtain your credit score and driving record and quotes a price. Being able to quote online helps simplify price comparisons, but having to visit several different sites and type in the same information is repetitive and time-consuming. But it's very important to compare as many rates as possible in order to find the best price on auto insurance.

A less time-consuming method to get multiple rate quotes uses one simple form that obtains quotes from more than one company. The form is fast, reduces the work, and makes quoting online a lot less work. Immediately after you send the form, it is rated with multiple companies and you can pick any one of the returned quotes. If one or more price quotes are lower than your current rates, it's easy to complete the application and purchase coverage. The entire process can be completed in less than 10 minutes and could lower your rates considerably.

To save time and find out if lower rates are available, click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend that you enter your coverages exactly as shown on your declarations page. This way, you will receive comparison quotes based on similar coverages.

Taylor Rates are Influenced by These Factors

It's important that you understand the factors that play a part in calculating the price you pay for auto insurance. Knowing what influences your rates enables informed choices that may reward you with better auto insurance rates.

Shown below are some of the items auto insurance companies consider when setting rates.

Rural vs Urban Areas - Living in a small town can be a good thing when insuring your vehicles. Urban drivers have to deal with much more traffic and longer commute times. Lower population translates into fewer accidents and a lower car theft rate.
One company can mean more discounts - Some insurance companies will give a discount to customers who consolidate policies with them in the form of a multi-policy discount. Even with this discount, it's in your best interest to shop around to ensure the best deal.
Little extras can really add up - There are quite a few additional coverages that you can buy on your auto insurance policy. Coverages for rental car reimbursement, towing coverage and term life insurance are some examples. These coverages may sound good when talking to your agent, but if they're wasting money eliminate them to save money.
Men are more aggressive - Statistics show that women are safer drivers than men. Now that doesn't mean men are worse drivers. Men and women are in accidents at a similar rate, but the males tend to have more serious accidents. They also get more serious tickets such as DWI and reckless driving.

Are you getting all your discounts?

Car insurance companies don't always publicize all their discounts very clearly, so the following is a list of both well-publicized and the harder-to-find discounts you could be receiving. If you're not getting every credit you qualify for, you're just leaving money on the table.

Bundle and Save - When you have multiple policies with one insurance company you may earn 10% to 20% off each policy.
Anti-theft System - Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
Safety Course Discount - Taking a course in driver safety can save you 5% or more depending on where you live.
Save over 55 - Older drivers may receive better auto insurance rates.
Discount for New Cars - Insuring a new car can save up to 30% compared to insuring an older model.

It's important to note that some of the credits will not apply to your bottom line cost. Most cut the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you could get a free auto insurance policy, you're out of luck.

For a list of companies with discount auto insurance rates in Pennsylvania, click here.

Tailor your coverage to you

When it comes to choosing coverage for your vehicles, there isn't really a one size fits all plan. Everyone's situation is unique and your policy should reflect that. For instance, these questions might point out whether you might need an agent's assistance.

What is the difference between comprehensive and collision coverage?
Does my personal auto insurance policy cover using my vehicle for business use?
Should I rate my vehicle as pleasure use or commute?
Should I buy additional glass protection?
Should I file a claim if it's only slightly more than my deductible?
Does my policy cover me when driving someone else's vehicle?
Should I drop comprehensive coverage on older vehicles?

If you can't answer these questions, you may need to chat with a licensed insurance agent. If you don't have a local agent, complete this form or you can go here for a list of companies in your area. It's fast, free and may give you better protection.

Additional detailed information can be read at the Pennsylvania Insurance Department website. Pennsylvania consumers can view agent and company licensing information, read consumer alerts, discover disciplinary actions, and learn about insurance regulations.

In the end, you save

As you go through the steps to switch your coverage, it's very important that you do not reduce needed coverages to save money. In many instances, an insured cut full coverage and found out when filing a claim that the savings was not a smart move. The ultimate goal is to purchase plenty of coverage for the lowest price.

Lower-priced auto insurance is attainable online and also from your neighborhood Taylor agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some auto insurance companies may not provide online quoting and most of the time these small insurance companies sell through independent agents.

In this article, we presented a lot of techniques to lower your auto insurance rates. It's most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the lowest rates come from a smaller regional carrier. Smaller companies often have lower prices on specific markets than the large multi-state companies such as .