Tightwads Guide to Saving on Valley View Auto Insurance

Are you tired of being strong-armed each month for car insurance? You're in the same situation as most other car owners in Pennsylvania. Because there are so many choices of insurance companies, it can be challenging to choose the lowest price car insurance company.

It's important to take a look at other company's rates before your policy renews because insurance rates are constantly changing. Even if you think you had the best price a few years ago you may be paying too much now. Forget anything you know (or think you know) about auto insurance because you're about to learn how to quote online to eliminate unnecessary coverages and save money.

This article will let you in on how to effectively get price quotes and some money-saving tips. If you have car insurance now, you will most likely be able to lower your premiums substantially using this strategy. Pennsylvania vehicle owners just need to know the most efficient way to shop for auto insurance on the web.

Comparison of Auto Insurance in Valley View

Most major insurance companies give coverage prices online. Getting online rates is pretty painless as you just type in as detailed in the form. Behind the scenes, the company's rating system will obtain your driving and credit reports and gives you a price quote based on these factors. This helps simplify price comparisons, but the process of having to visit multiple sites and enter the same data into a form is repetitive and time-consuming. But it's very important to perform this step in order to get better auto insurance pricing.

A less time-consuming method to lower your auto insurance bill uses one simple form that gets price quotes from several different companies. The form is fast, eliminates repetitive work, and makes quoting online much easier to do. After sending the form, your coverage is rated with multiple companies and you can pick any or none of the returned quotes.

If you find a better price you can click and sign and purchase the new policy. This process takes 15 minutes at the most and may result in a nice savings.

To save time and find out what other companies charge, click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend you input the insurance coverages identical to your current policy. This way, you will receive a rate comparison based on similar coverages.

Valley View auto insurance comparison

Valley View Rates are Influenced by These Factors

It's important that you understand the different types of things that play a part in calculating the price you pay for auto insurance. When you know what positively or negatively controls the rates you pay enables informed choices that may reward you with lower auto insurance prices.

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

  • Men are more aggressive - The statistics show women tend to be less risk to insure than men. Now that doesn't mean men are worse drivers. Women and men are in accidents in similar percentages, but the males tend to have more serious accidents. They also receive more costly citations such as DWI and reckless driving.
  • Your stress level may be raising your rates - Jobs such as lawyers, business owners and stock brokers tend to have the highest rates due to stressful work requirements and lengthy work days. On the other hand, occupations such as farmers, students and retirees receive lower rates.
  • Do you need the policy add-ons? - There are quite a few extra bells and whistles that you can buy on your auto insurance policy. Things like rental car reimbursement, towing coverage and term life insurance may be costing you every month. They may seem like a good idea initially, but if they're wasting money remove them from your policy.
  • Discounts for multiple policies - Some insurers will give a discount to customers who consolidate policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, it's still a good idea to shop around to ensure the best deal. Drivers may still find better rates by buying insurance from more than one company.
  • Older drivers save more - Teen drivers in Pennsylvania have a tendency to be more careless in a vehicle so auto insurance rates are higher. Mature drivers are viewed as being more responsible, tend to file fewer claims and get fewer tickets.
  • The type of vehicle makes a difference - The make and model of the car you own makes a substantial difference in how high your rates are. The lowest base rates tend to be for small economy passenger cars, but there are many factors that impact the final cost.
  • Frequent auto insurance claims increase rates - Car insurance companies in Pennsylvania award discounts to people who are claim-free. If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Auto insurance is designed for major claims that would cause financial hardship.
  • Equipment add-ons that lower auto insurance rates - Driving a car with a theft deterrent system can help lower your rates. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.

These discounts can lower your rates

The cost of insuring your cars can be expensive, but you can get discounts to help bring down the price. Certain discounts will be applied at the time you complete a quote, but less common discounts must be manually applied prior to getting the savings. If you don't get every credit available, you're just leaving money on the table.

  • Save over 55 - Older drivers may receive better auto insurance rates.
  • No Accidents - Claim-free drivers can save substantially as compared to frequent claim filers.
  • Safety Course Discount - Completing a course in driver safety could save 5% or more depending on where you live.
  • Anti-theft Discount - Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • College Student - Kids in college who attend school more than 100 miles from home and don't have a car can be insured at a reduced rate.
  • Discount for Swiching Early - Some companies give discounts for switching policies before your current policy expires. The savings is around 10%.
  • Driver's Ed - Require your teen driver to complete a driver education course if offered at their school.
  • Pay Now and Pay Less - If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
  • Sign Online - Certain companies will discount your bill up to fifty bucks for buying a policy and signing up online.

Consumers should know that most discount credits are not given to the entire cost. Most only reduce specific coverage prices like liability, collision or medical payments. So despite the fact that it appears all the discounts add up to a free policy, companies don't profit that way. But all discounts will help reduce the cost of coverage.

For a list of companies with discount auto insurance rates in Pennsylvania, click here to view.

Much more information about auto insurance in Pennsylvania can be found on the website for the Pennsylvania Insurance Department found here. Pennsylvania consumers can learn about insurance regulations, read industry bulletins, discover disciplinary actions, and read consumer alerts.

Other useful links include this Car Insurance FAQ and this page of insurance agents in Valley View.

A tidy conclusion

As you shop your coverage around, do not reduce needed coverages to save money. There are many occasions where an accident victim reduced physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible at the best price.

Discount auto insurance is attainable online and also from your neighborhood Valley View agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers may not provide online quoting and most of the time these regional insurance providers sell through independent agents.