Easy Methods to Save Money on Wallingford Auto Insurance

Cutting costs on Wallingford auto insurance is nearly impossible for consumers not familiar with comparing rates online. Drivers have so many options that it can be a lot of work to find the best price in Wallingford.

It's important to compare prices before your policy renews because prices are constantly changing. Even if you think you had the best price last year there is a good chance you can find better rates now. Block out anything you think you know about auto insurance because you're about to learn how to quote online to get good coverage at a lower rate.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of the factors that play a part in calculating the price you pay for auto insurance. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that can help you get better auto insurance rates.

Bundling policies can get discounts - Some insurance companies give discounts to customers who have multiple policies with them, otherwise known as a multi-policy discount. Even if you're getting this discount you still need to comparison shop to verify if the discount is saving money. Drivers may still find better rates by insuring with multiple companies.
Your stress level may be raising your rates - Occupations like lawyers, social workers and stock brokers have the highest rates because of high stress levels and long work hours. On the other hand, occupations like farmers, students and retirees get better rates.
Don't buy coverages you don't need - There are quite a few extra bells and whistles you can purchase on your auto insurance policy. Things like vanishing deductibles, better glass coverage and additional equipment coverage are some examples. These may sound like a good investment when you first buy your policy, but now you might not need them so remove them from your policy.
Careful drivers pay lower rates - Your driving record has a big impact on rates. Even a single moving violation can bump up the cost twenty percent or more. Drivers who don't get tickets have lower premiums than their less careful counterparts. Drivers who get dangerous violations like DUI or reckless driving may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent a license revocation.
Liability coverage is cheap - Your policy's liability coverage will protect you in the event that a court rules you are at fault for personal injury or accident damage. It provides for a legal defense up to the limits shown on your policy. Liability is cheap as compared to coverage for physical damage, so do not skimp.
Bump up deductibles to save - Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your car from damage. A few examples of covered claims could be a windshield shattered by a rock, collision with an animal, or theft. The deductibles are the amount of money you are willing to pay out-of-pocket in the event of a claim. The higher the amount you have to pay, the less your company will charge you for insurance.
Where you live can impact rates - Being located in a small town has it's advantages when insuring your vehicles. Urban drivers regularly have congested traffic and longer commutes to work. Less people living in that area means a lower chance of having an accident.
Being married is a good thing - Having a spouse helps lower the price on auto insurance. Marriage translates into being more responsible and it's proven that drivers who are married are more cautious.

Cheap Wallingford Auto Insurance Comparisons

Performing a rate comparison can be exhausting if you don't understand the best way to get rate quotes. You can spend your afternoon talking to local insurance agents in Wallingford, or you could save time and use the web for quick rates.

Most of the larger companies belong to a marketplace that allows shoppers to complete one form, and at least one company can give them a price. This prevents consumers from doing quote forms for each company you want a rate for.

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

The one downside to using this type of system is that consumers can't choose which providers you want to price. So if you prefer to pick individual companies to request quotes from, we put together a list of auto insurance companies in Pennsylvania. Click here to view list.

However you get your quotes, ensure you're using apples-to-apples coverage limits on every quote. If you are comparing differing limits it will be impossible to make a fair comparison in Wallingford.

How much can you save with discounts?

Car insurance is not cheap, but discounts can save money and there are some available to help bring down the price. A few discounts will automatically apply when you complete an application, but a few need to be asked for before they will apply. If you don't get every credit available, you are paying more than you should be.

Multi-policy Discount - If you insure your home and vehicles with one company you will save 10% to 20% off each policy.
Claim Free - Claim-free drivers can save substantially compared to accident-prone drivers.
Safety Course Discount - Taking a course in driver safety could save 5% or more if your company offers it.
Good Students Pay Less - This discount can save 20 to 25%. This discount can apply up until you turn 25.
Organization Discounts - Participating in a professional or civic organization may earn a discount on your policy.
Multiple Cars - Buying insurance for all your vehicles with the same company may reduce the rate for each vehicle.

A little note about advertised discounts, some of the credits will not apply to the entire cost. The majority will only reduce individual premiums such as comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, you won't be that lucky. Any amount of discount will help reduce the amount you have to pay.

To choose providers with discount auto insurance rates in Pennsylvania, click here.

Save 15 percent in 15 minutes? Is it for real?

Pennsylvania consumers can't ignore all the ads for the lowest price auto insurance from the likes of Allstate and Progressive. All the ads have a common claim about savings if you change your coverage to them.

But how can every company make almost identical claims?

Different companies can use profiling for the type of customer that makes them money. For example, a preferred risk could possibly be between 30 and 50, is a homeowner, and has great credit. A customer getting a price quote that hits that "sweet spot" gets the lowest rates and is almost guaranteed to save a lot of money.

Consumers who don't meet this ideal profile will be charged higher rates and this can result in the driver buying from a lower-cost company. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much money. That's why companies can truthfully advertise the savings.

That is why you need to get as many quotes as possible. It's impossible to know the company that will give you the biggest savings.

Additional information can be found on the Pennsylvania Insurance Department website located here. Pennsylvania consumers can read consumer alerts, read industry bulletins, and discover disciplinary actions.

Other informative sites include Wikipedia and this Wallingford agent directory.

And the best car insurance company is...

As you prepare to switch companies, don't be tempted to reduce coverage to reduce premium. Too many times, an accident victim reduced physical damage coverage only to regret at claim time that the small savings ended up costing them much more. The aim is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

Drivers leave their current company for a number of reasons such as policy non-renewal, high rates after DUI convictions, questionable increases in premium or even poor customer service. It doesn't matter what your reason, choosing a new insurance company is easier than you think.

Cheaper auto insurance is attainable online as well as from independent agents in Wallingford, so compare prices from both to get a complete price analysis. There are still a few companies who don't offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.