Comparing the Cheapest Tionesta Auto Insurance

Tired of robbing Peter to pay Paul each month for car insurance? You are in the same boat as many other Pennsylvania drivers. Insurance companies such as GEICO and Progressive constantly blast consumers with TV and radio ads and it is difficult to sift through the bull and do the work needed to find the best deal.

It's important to compare prices once or twice a year because prices are constantly changing. Just because you found the best price on your last policy a different company probably has better rates today. Ignore everything you know about auto insurance because you're about to find out the quickest way to find better coverage at a better price.

Be sure to get all your discounts

The price of auto insurance can be rather high, but you can get discounts that you may not know about. Some trigger automatically when you quote, but less common discounts must be inquired about before you get the savings. If you aren't receiving every discount available, you are throwing money away.

  • Save with a New Car - Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Pay Now and Pay Less - By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Clubs and Organizations - Being a member of a civic or occupational organization may earn a discount on auto insurance.
  • No Accidents - Claim-free drivers can save substantially as compared to drivers who are more careless.
  • Sign Online - A few companies may give you up to $50 just for signing your application digitally online.

It's important to note that some credits don't apply to the entire cost. Some only reduce the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, you're out of luck. But any discount will reduce the amount you have to pay.

Pennsylvania auto insurance quotes

Good Decisions Result in Lower Rates

Smart consumers have a good feel for the factors that play a part in calculating the rates you pay for auto insurance. Having a good understanding of what influences your rates enables informed choices that may reward you with much lower annual insurance costs.

Shown below are a few of the "ingredients" auto insurance companies consider when setting rates.

  • The more you drive the more you pay - The higher the mileage driven every year the more you will pay for auto insurance. Most insurance companies charge to insure your cars based on their usage. Cars used primarily for pleasure use qualify for better rates compared to those used for work or business. Double check that your auto insurance declarations sheet is rated on the correct usage for each vehicle.
  • Lower rates with optional equipment - Driving a car that has an advanced theft prevention system can help bring down rates. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
  • Liability insurance protects assets - Your policy's liability coverage will protect you if ever you are found liable for causing damage or personal injury in an accident. It provides for a legal defense which can be incredibly expensive. This coverage is very inexpensive as compared to coverage for physical damage, so do not skimp.
  • Do you work long hours in a high stress job? - Jobs such as lawyers, social workers and dentists tend to have the highest average rates attributed to high stress and long work days. Other occupations like farmers, historians and retirees receive lower rates.
  • Having a spouse can save you money - Having a spouse helps lower the price on auto insurance. It means you're more mature and it's statistically proven that drivers who are married are more cautious.
  • Males pay more for insurance - The statistics show women are more cautious behind the wheel. Now that doesn't mean men are worse drivers. Both sexes have accidents in similar percentages, but the males tend to have more serious accidents. They also get more serious tickets like DUI and reckless driving.
  • Cautious drivers pay less - Your driving citation history has a huge affect on how much you pay. Careful drivers receive lower rates than their less careful counterparts. Even a single speeding ticket can boost insurance rates by twenty percent. Drivers who have dangerous citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to prevent a license revocation.

Is there truth in advertising?

Consumers in Pennsylvania get pounded daily by advertisements for the lowest price auto insurance by GEICO, State Farm and Progressive. They all seem to have a common claim that you can save if you change to their company.

How can each company claim to save you money?

Insurance companies can use profiling for the driver that earns them a profit. For example, a desirable insured might be between 25 and 40, has no tickets, and has great credit. A customer getting a price quote that hits that "sweet spot" will get very good rates and is almost guaranteed to save when they switch companies.

Drivers who don't measure up to the requirements will have to pay a higher premium and this can result in the customer not buying. The ads say "people who switch" but not "drivers who get quotes" save that much. That's why insurance companies can advertise the savings.

Because of the profiling, drivers should get quotes from several different companies. It's impossible to know the company that will fit your personal profile best.

More Pennsylvania auto insurance information

More information can be found on the website for the Pennsylvania Insurance Department through this link. Visitors are able to file complaints about an insurance agent or broker, view a list of available companies, find out which companies have the most complaints, and read industry bulletins.

compare Tionesta auto insurance rates

In the end, you save

When you buy insurance online, it's a bad idea to skimp on coverage in order to save money. In many instances, an insured dropped physical damage coverage only to discover later that the few dollars in savings costed them thousands. The ultimate goal is to find the BEST coverage at an affordable rate.

Lower-priced auto insurance can be sourced both online and also from your neighborhood Tionesta agents, so you should compare both to have the best selection. There are still a few companies who may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.