Easy Techniques to Pay Less on Telford Car Insurance

Beginners to shopping for insurance online will find shopping for cheap Telford car insurance nearly impossible.

It's important to compare rates periodically because rates are constantly changing. Despite the fact that you may have had the best deal a couple years back you will most likely find a better rate today. So forget anything you know (or think you know) about car insurance because you're going to learn the proper way to properly buy coverages and cut your premium.

Save big with these discounts

The cost of insuring your cars can be expensive, but there could be available discounts to cut the cost considerably. Some discounts apply automatically at the time of quoting, but some must be asked about before you will receive the discount. If you aren't receiving every discount you qualify for, you are throwing money away.

  • New Car Discount - Buying coverage on a new vehicle is cheaper since new cars are generally safer.
  • Good Student - Performing well in school can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • 55 and Retired - If you qualify as a senior citizen, you may be able to get better car insurance rates.
  • Service Members Pay Less - Being on active duty in the military may qualify for rate reductions.
  • Bundle and Save - If you have multiple policies with the same company you may earn up to 20% off your total premium.
  • Passive Restraints and Air Bags - Factory air bags or motorized seat belts can qualify for discounts of 20% or more.

A little note about advertised discounts, most discounts do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like it's possible to get free car insurance, you won't be that lucky. Any amount of discount will reduce your overall premium however.

Telford car insurance comparison

But I don't know anything about car insurance

When it comes to buying proper insurance coverage for your vehicles, there really is not a best way to insure your cars. Everyone's situation is unique.

These are some specific questions may help highlight if your situation may require specific advice.

  • Should I file a claim if it's only slightly more than my deductible?
  • Do I need to file an SR-22 for a DUI in Pennsylvania?
  • Should I buy additional glass protection?
  • Do I have coverage when using my vehicle for my home business?
  • Should I buy only the required Pennsylvania minimum liability coverage?
  • What are the best liability limits?

If you're not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It's fast, doesn't cost anything and may give you better protection.

Car insurance ads bend the truth

Consumers get pounded daily by advertisements for cheaper car insurance by Progressive, GEICO, Allstate and State Farm. They all seem to make an identical promise about savings after switching to their company.

How can each company make the same claim? This is how they do it.

All companies have a certain "appetite" for the driver that earns them a profit. An example of a desirable insured could be over the age of 50, a clean driving record, and drives less than 10,000 miles a year. A customer who meets those qualifications will qualify for the lowest rates and most likely will save when they switch companies.

Potential insureds who fall outside the requirements will have to pay more money and ends up with business going elsewhere. The ad wording is "drivers who switch" not "people who quote" save that much. That is how companies can truthfully advertise the way they do.

Because of the profiling, you should get as many comparisons as possible. Because you never know which company will provide you with the cheapest rates.

Additional information is available on the Pennsylvania Insurance Department website. Click here for link. Consumers can read enforcement actions against agents and companies, file complaints about a company, and learn about insurance regulations.

Pennsylvania car insurance

In the end, you save

As you go through the steps to switch your coverage, it's not a good idea to buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped liability limits or collision coverage only to find out that the savings was not a smart move. Your aim should be to get the best coverage possible for the lowest price.

We just showed you many tips how you can reduce car insurance prices online. The most important thing to understand is the more times you quote, the better your comparison will be. You may even find the biggest savings come from a smaller regional carrier.

People change insurance companies for any number of reasons including not issuing a premium refund, poor customer service, denial of a claim and even unfair underwriting practices. Whatever your reason, switching car insurance companies is less work than it seems.