Tightwads Guide for Saving on Verona Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us when we tell you you're not alone. Online insurance companies like State Farm, Allstate, GEICO and Progressive constantly blast consumers with fancy advertisements and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.

Comprehensive Verona Auto Insurance Comparison Quotes

Most major insurance companies provide coverage price quotes on their websites. This process doesn't take a lot of time as you just enter the coverage amounts you desire as detailed in the form. Behind the scenes, the system will obtain reports for credit and driving violations and returns pricing information based on these factors. Online quotes makes it a lot easier to compare rates but the time it takes to visit different websites and type in the same information is repetitive and time-consuming. But it's very important to perform this step if you want to find better auto insurance pricing.

A less time-consuming method to find better auto insurance pricing uses one form that gets prices from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes quoting online much more efficient. As soon as you send your information, it gets priced and you can select your choice of the returned quotes. If you find a better price you simply finish the application and buy the new coverage. The whole process takes just a few minutes to complete and you'll know if lower rates are available.

To find out what other companies charge, click here to open in new window and submit your coverage information. If you have a policy now, it's recommended you type in coverages and limits identical to your current policy. This way, you will receive a price comparison based on similar coverages.

auto insurance in Verona

Learn How to Buy Auto Insurance Cheaper

It's important that you understand some of the elements that help determine the rates you pay for auto insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that could result in much lower annual insurance costs.

The following are some of the factors that factor into premiums.

  • Choose a safe vehicle and save - Vehicles with high crash test scores are cheaper to insure. Safe vehicles have better occupant injury protection and any reduction in injury severity means lower claim amounts and more competitive rates for policyholders.
  • Do you need the policy add-ons? - There are a ton of extra coverages that you can get tricked into buying when buying auto insurance. Insurance for rental car reimbursement, accidental death and membership fees are examples of these. These may sound like a good investment initially, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Please use or commuting - Driving more miles in a year the more you'll pay to insure your vehicle. The majority of insurers charge to insure your cars based upon how you use the vehicle. Vehicles used primarily for pleasure use can get a lower rate than vehicles that are driven to work every day. Double check that your auto insurance coverage is rated on the proper vehicle usage, because it can save money.
  • Theft deterrents lower rates - Choosing a vehicle with a theft deterrent system can help bring down rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
  • Marriage pays dividends - Being married can get you a discount when buying auto insurance. Having a spouse usually means you are more responsible and statistics show being married results in fewer claims.
  • Cautious drivers pay less - Whether or not you get tickets has a huge affect on how much you pay. Drivers with clean records get better rates compared to drivers with tickets. Just one moving violation may increase your cost forty percent or more. Drivers with flagrant tickets such as hit and run, DWI or reckless driving convictions are required to submit a SR-22 form to the state department of motor vehicles in order to keep their license.
  • Big city or small town - Choosing to live in small towns and rural areas is a positive aspect when talking about auto insurance. Fewer people means reduced accidents and also fewer theft and vandalism claims. Drivers in populated Pennsylvania areas have more traffic problems and longer commute times. More time commuting can result in more accidents.

These discounts can lower your rates

Companies offering auto insurance don't list all available discounts in a way that's easy to find, so here is a list both the well known and also the lesser-known auto insurance savings. If you aren't receiving every discount possible, you're just leaving money on the table.

  • Fewer Miles Equal More Savings - Fewer annual miles can qualify you for lower rates on the low mileage vehicles.
  • Driver Safety - Successfully completing a defensive driving course could possibly earn you a 5% discount depending on where you live.
  • Save with a New Car - Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Payment Method - If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • Homeowners Discount - Owning a home in Verona may trigger a auto insurance policy discount due to the fact that maintaining a home requires personal responsibility.
  • Discount for Life Insurance - Companies who offer life insurance give better rates if you take out life insurance.

As a disclaimer on discounts, most of the big mark downs will not be given the the whole policy. Some only apply to specific coverage prices like liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, auto insurance companies aren't that generous.

For a list of insurers who offer auto insurance discounts in Verona, follow this link.

Even more information is available at the Pennsylvania Insurance Department website. Visitors are able to find disaster information, discover disciplinary actions, file complaints about an insurance agent or broker, and view a list of available companies.

auto insurance in Verona

And the best car insurance company is...

Cheap auto insurance can be purchased both online in addition to many Verona insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies do not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

When shopping online for auto insurance, it's not a good idea to reduce needed coverages to save money. There are a lot of situations where an insured dropped comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible at the best price while not skimping on critical coverages.