Car Insurance in W Conshohocken, PA - 7 Discounts You Might be Losing Out On

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us when we tell you many consumers are feeling buyer's remorse and feel like there's no way out.

Big companies like State Farm, Allstate, GEICO and Progressive continually hit you with fancy advertisements and it is difficult to sift through the bull and take the time to shop coverage around.

If you are paying for car insurance now, you will be able to save some money using this strategy. Finding the best rates in W Conshohocken is not that difficult. Although Pennsylvania consumers do need to know how big insurance companies price online insurance and take advantage of how the system works.

Are you getting all your discounts?

Companies that sell car insurance don't necessarily list all available discounts in a way that's easy to find, so here is a list both the well known and the more hidden discounts you could be receiving.

Fewer Miles Equal More Savings - Driving fewer miles can qualify you for a substantially lower rate.
Defensive Driver - Taking part in a defensive driving course could possibly earn you a 5% discount if you qualify.
Theft Prevention System - Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
Payment Discounts - By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
Life Insurance Discount - Companies who offer life insurance give better rates if you take out auto and life insurance together.
Homeowners Discount - Owning a home in W Conshohocken can save you money because owning a home requires personal responsibility.
No Charge for an Accident - A handful of insurance companies permit an accident before your rates go up so long as you haven't had any claims for a particular time prior to the accident.

A little note about advertised discounts, some credits don't apply the the whole policy. Most only cut the cost of specific coverages such as liability and collision coverage. So even though it sounds like having all the discounts means you get insurance for free, you won't be that lucky.

How can 21st Century, Allstate and State Farm save drivers who switch?

21st Century, Allstate and State Farm constantly bombard you with ads on television and other media. All the companies have a common claim about savings if you switch your coverage to them. How can each company claim to save you money?

All the different companies are able to cherry pick for the type of customer that earns them a profit. An example of a profitable customer might be between 30 and 50, has no tickets, and has a high credit rating. Any new insured that hits that "sweet spot" will qualify for the lowest rates and as a result will probably save when they switch companies.

Consumers who are not a match for the requirements must pay higher prices and this can result in the customer not buying. The ad wording is "people who switch" not "everybody who quotes" save that much money. That's the way companies can truthfully state the savings. This illustrates why drivers should get quotes from several different companies. It's just too difficult to predict which car insurance company will have the lowest rates.

Find out more about car insurance

Even more information is available at the Pennsylvania Insurance Department website. Visitors are able to find disaster information, discover disciplinary actions, read consumer alerts, and view a list of available companies.

Affordable insurance is out there

The cheapest car insurance can be found both online as well as from independent agents in W Conshohocken, so compare prices from both in order to have the best price selection to choose from. Some insurance companies don't offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

As you restructure your insurance plan, it's not a good idea to skimp on coverage in order to save money. There are a lot of situations where an insured dropped comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. The proper strategy is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.