Car Insurance in Tioga Pennsylvania - 5 Tips to Save Money

Finding affordable Tioga car insurance online is intimidating for beginners to price shopping online. Since there are so many online companies available, how can consumers effectively compare every one to find the cheapest available price?

More discounts equal less premium

Car insurance companies don't always advertise all available discounts very well, so we took the time to find some of the more common and the more hidden discounts you could be receiving. If you don't get every credit you deserve, you are throwing money away.

  • Fewer Miles Equal More Savings - Fewer annual miles can earn a substantially lower rate.
  • Accident Waiver - Some insurance companies permit an accident before your rates go up so long as you haven't had any claims prior to the accident.
  • Auto/Home Discount - If you have multiple policies with the same insurance company you could get a discount of up to 20% off your total premium.
  • Early Switch Discount - A few companies offer discounts for switching to them prior to your current policy expiring. It's a savings of about 10%.
  • Government Employees - Active or retired federal employment can save as much as 8% depending on your company.

As a disclaimer on discounts, some credits don't apply to all coverage premiums. A few only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, car insurance companies aren't that generous.

car insurance in Tioga

Switch companies and save? Really?

Consumers get pounded daily by advertisements for car insurance savings from companies such as 21st Century, Allstate and State Farm. All the companies have a common claim about savings after switching your policy.

But how can every company make the same claim?

All companies have a preferred profile for the right customer that earns them a profit. For example, a profitable customer could be a mature driver, insures multiple vehicles, and has excellent credit. Any new insured that hits that "sweet spot" receives the best rates and therefore will save a lot of money.

Potential customers who do not match this ideal profile must pay a more expensive rate and this can result in business going elsewhere. Company advertisements say "people who switch" not "everyone that quotes" save that kind of money. This is how companies can truthfully make those claims. This illustrates why drivers should get as many comparisons as possible. It's just too difficult to predict which insurance companies will have the lowest rates.

For more Pennsylvania car insurance information

Even more information can be found at the Pennsylvania Insurance Department website. Consumers can discover disciplinary actions, get help finding coverage, and view agent and company licensing information.

Also read more on this resource for Pennsylvania car insurance prices and this page of Tioga insurance agents.

And the best car insurance company is...

Cheap car insurance can be purchased from both online companies in addition to many Tioga insurance agents, and you need to price shop both to have the best rate selection. Some companies do not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

While you're price shopping online, don't be tempted to skimp on coverage in order to save money. There are a lot of situations where drivers have reduced physical damage coverage only to discover later they didn't purchase enough coverage. The proper strategy is to buy enough coverage at an affordable rate while not skimping on critical coverages.

Drivers change insurance companies for many reasons like delays in responding to claim requests, an unsatisfactory settlement offer, policy non-renewal and even high prices. It doesn't matter why you want to switch finding the right car insurance provider is less work than it seems.