6 Ways You Can Buy Car Insurance for Less in Upper Darby Pennsylvania

Finding lower rates for Upper Darby car insurance is difficult for beginners to comparison shopping online. Drivers have so many choices that it can quickly become a real hassle to locate the lowest price in Upper Darby.

car insurance in Upper Darby

How to Compare Car Insurance Costs in Upper Darby

There are several ways you can shop for car insurance and some are easier and takes less work. You can spend countless hours talking to agents in Upper Darby, or you could save time and use the web to achieve your goal.

The majority of car insurance companies participate in a marketplace that allows shoppers to submit one quote, and each company provides a quote based on the submitted data. This prevents consumers from doing quote forms to each individual car insurance company.

To submit your quote information now, click to open in new window.

One minor caviat to getting quotes like this is that you can't choose the providers to get pricing from. So if you want to select specific insurance companies for rate comparison, we put together a list of car insurance companies in Pennsylvania. Click to view list.

However you get your quotes, double check that you are using identical quote information for every quote you compare. If you enter mixed coverages it's not possible to determine the best price in Upper Darby. Slightly different coverages could mean much higher rates. It's important to know that having more price comparisons helps locate the best offered rates.

Be sure to get all your discounts

Insurance can be prohibitively expensive, but companies offer discounts that you may not know about. Most are applied at the time of purchase, but less common discounts must be asked for prior to receiving the credit.

  • Fewer Miles Equal More Savings - Fewer annual miles can earn a substantially lower rate.
  • Payment Method - By paying your policy upfront instead of paying each month you could save 5% or more.
  • Paperless Signup - A handful of insurance companies may give you up to $50 for buying your policy over the internet.
  • One Accident Forgiven - Certain companies will forgive one accident before raising your premiums so long as you haven't had any claims for a particular time prior to the accident.
  • Save with a New Car - Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
  • Seat Belt Usage - Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more off the personal injury premium cost.

A little note about advertised discounts, some of the credits will not apply to the entire cost. Most only cut individual premiums such as liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.

To see a list of insurers who offer car insurance discounts in Pennsylvania, click here.

More Pennsylvania car insurance information

Additional information can be found on the Pennsylvania Insurance Department website located here. Visitors are able to find disaster information, view a list of available companies, and get help finding coverage.