How to Get Cheap Trexlertown Car Insurance

Beginners to shopping for insurance online may find finding low-cost Trexlertown car insurance to be a formidable task.

Take advantage of discounts

Car insurance companies don't always advertise all available discounts very clearly, so we took the time to find some of the more common and the more hidden car insurance savings. If you're not getting every credit you qualify for, you're paying more than you need to.

Homeowners Savings - Owning a home in Trexlertown may trigger a car insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
Good Student - A discount for being a good student can earn a discount of 20% or more. This discount can apply well after school through age 25.
Student in College - Children who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
Accident Forgiveness - Certain companies permit an accident before raising your premiums so long as you haven't had any claims for a set time period.
Air Bag Discount - Vehicles equipped with air bags or motorized seat belts may earn rate discounts of 20% or more.
Driver Safety - Successfully completing a driver safety course can save you 5% or more and easily recoup the cost of the course.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, car insurance companies aren't that generous.

To see a list of insurers who offer car insurance discounts in Pennsylvania, follow this link.

Vehicle Insurance Comparison

Finding cheaper car insurance prices is surprisingly easy. Just spend a little time getting comparison quotes online with multiple companies. This can be done in a couple of different ways.

The best way to find low rates is to use a rate comparison form like this one (opens in new window). This method keeps you from doing separate forms for each company you want a rate for. Just one form will get you rate comparisons from several companies. Recommended for those who want to invest the least amount of time.
Another way to compare rate quotes requires you to visit each individual company website and complete a new quote form. For examples sake, let's say you want to compare , and . To get each rate you have to take the time to go to each site and enter your policy data, which is why most consumers use the first method.

To view a list of companies in Trexlertown, click here.

Whichever way you use, be sure to compare identical coverage information on every quote. If you use unequal deductibles or liability limits it will be next to impossible to make a fair comparison in Trexlertown.

Tips to Get Lower Trexlertown Rates

An important part of buying insurance is that you know some of the elements that help determine your car insurance rates. Knowing what impacts premium levels empowers consumers to make smart changes that could result in much lower annual insurance costs.

What are your deductibles? - Your deductibles represent how much money you are required to spend if you file a covered claim. Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. A few examples of covered claims are colliding with a building, damage caused by hail, and windstorm damage. The higher the amount you have to pay, the lower your rates will be.
How's your driving record? - Drivers who don't get tickets receive lower rates compared to drivers with tickets. Just one moving violation can bump up the cost twenty percent or more. Drivers with flagrant tickets like DUI or reckless driving are required to file a SR-22 with their state motor vehicle department in order to keep their license.
Mature drivers pay less - Young drivers in Pennsylvania are known to get distracted easily behind the wheel so they pay higher car insurance rates. If you've ever had to add a youthful driver onto a policy can be very expensive. Older drivers are more responsible, statistically cause fewer accidents and receive fewer citations.
Men pay higher rates - Statistics show that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Both sexes tend to get into accidents in similar percentages, but the male of the species have costlier accidents. Men also tend to get cited for more serious violations such as reckless driving. Youthful male drivers are several times more likely to be in an accident and therefore have the most expensive car insurance rates.

How to know if you need help

When choosing the right insurance coverage for your vehicles, there isn't really a best way to insure your cars. Each situation is unique.

These are some specific questions may help highlight whether your personal situation would benefit from professional advice.

When do I need to add a new car to my policy?
Do I need to file an SR-22 for a DUI in Pennsylvania?
Why does it cost so much to insure a teen driver in Trexlertown?
Does my policy cover me when driving someone else's vehicle?
Can I rate high risk drivers on liability-only vehicles?
Should I rate my vehicle as pleasure use or commute?

If you don't know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Are car insurance companies telling the truth?

Consumers can't get away from ads for cheaper car insurance from the likes of Allstate, GEICO and Progressive. All the companies say the same thing about savings after switching your coverage to them.

How does each company make the same claim?

Insurance companies have a certain "appetite" for the type of customer that is profitable for them. For example, a profitable customer could be a mature driver, a clean driving record, and has great credit. A customer who fits that profile is entitled to the best price and most likely will save when switching.

Consumers who don't qualify for these standards must pay higher rates which usually ends up with business going elsewhere. The ads state "people who switch" not "people who quote" save that much money. That is how companies can truthfully advertise the savings. This illustrates why drivers must get as many comparisons as possible. Because you never know which company will give you the biggest savings.

A tidy conclusion

Cheap car insurance can be bought from both online companies as well as from independent agents in Trexlertown, and you need to price shop both to get a complete price analysis. There are still a few companies who don't offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

We just showed you many ways to compare car insurance prices online. The most important thing to understand is the more rate comparisons you have, the better chance you'll have of finding lower rates. You may even find the best price on car insurance is with a company that doesn't do a lot of advertising.

As you prepare to switch companies, never reduce coverage to reduce premium. In too many instances, someone dropped physical damage coverage only to discover later that the small savings ended up costing them much more. Your focus should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

Additional Pennsylvania consumer information

Even more information can be found at the Pennsylvania Insurance Department website. Consumers can report car insurance fraud, file complaints about a company, and read enforcement actions against agents and companies.