Tightwads Tips for Saving on Wampum Car Insurance

I can't think of anyone who cherishes buying car insurance, particularly when the cost is way too high.

Drivers have multiple to buy insurance from, and though it is a good thing to have multiple companies, it can be more challenging to compare rates.

It's important to take a look at other company's rates occasionally due to the fact that insurance rates are constantly changing. If you had the best price last year a different company probably has better rates today. Forget all the misinformation about car insurance because we're going to demonstrate the fastest and easiest way to buy cheaper car insurance.

Finding the best rates in Wampum is quite easy. If you are paying for car insurance now, you should be able to lower your premiums substantially using this strategy. Nevertheless, Pennsylvania consumers do need to know how companies market on the web and apply this information to your search.

These discounts can lower your rates

Companies don't necessarily list all their discounts very clearly, so we took the time to find both the well known and the harder-to-find ways to save on car insurance.

Bundle and Save - If you have multiple policies with one insurance company you may earn approximately 10% to 15%.
No Accidents - Good drivers with no accidents can save substantially as compared to drivers who are more careless.
College Student - Any of your kids who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
Senior Citizens - If you qualify as a senior citizen, you can possibly qualify for better car insurance rates.
Drivers Education - Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
Service Members Pay Less - Having a family member in the military can result in better rates.
Seat Belts Save more than Lives - Buckling up and requiring all passengers to wear their seat belts could save 15% off your PIP or medical payments premium.
Drive Less and Save - Keeping the miles down can earn better rates on cars that stay parked.

Consumers should know that many deductions do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, companies don't profit that way.

Wampum Rates are Influenced by These Factors

Smart consumers have a good feel for the rating factors that come into play when calculating the rates you pay for car insurance. Knowing what determines base rates enables informed choices that may reward you with big savings.

The list below includes a few of the "ingredients" car insurance companies consider when setting rates.

Where you live is a factor - Living in less populated areas can be a good thing when talking about car insurance. Drivers in populated areas tend to have much more traffic and longer commute times. Lower population translates into fewer accidents.
Bundling policies can get discounts - The majority of car insurance companies will give a discount to insureds who consolidate policies with them in the form of a multi-policy discount. If you currently are using one company, it's in your best interest to compare other company rates to ensure the best deal.
Rates may be higher depending on your occupation - Jobs such as lawyers, executives and financial analysts tend to have higher average rates in part from job stress and lots of time spent at work. Conversely, occupations such as scientists, engineers and the unemployed receive lower rates.
Being married can save on car insurance - Having a spouse actually saves money on your car insurance policy. It means you're more mature and responsible it has been statistically shown that married couples file fewer claims.

Different people need different coverages

When it comes to buying the right insurance coverage for your vehicles, there isn't really a perfect coverage plan. Every insured's situation is different so this has to be addressed. For instance, these questions might point out whether you would benefit from an agent's advice.

What is the difference between comprehensive and collision coverage?
Am I covered when driving in Canada or Mexico?
Will I be non-renewed for getting a DUI or other conviction?
Does medical payments coverage apply to all occupants?
Why does it cost so much to insure a teen driver in Wampum?
Should I buy additional glass protection?
Is rental equipment covered for theft or damage?

If it's difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Are you falling for claims of savings?

Car insurance companies such as GEICO, State Farm and Progressive regularly use ads on television and other media. They all seem to make the same claim of big savings if you move to their company. How does each company claim to save you money? This is how they do it.

All the different companies have a certain "appetite" for the driver that earns them a profit. For example, a desirable insured might be between 25 and 40, owns a home, and has great credit. Any driver who matches those parameters will get the preferred rates and as a result will probably save when switching.

Drivers who are not a match for these standards will have to pay a higher premium which leads to the customer not buying. The ads state "drivers who switch" not "everybody who quotes" save that much. That is how insurance companies can confidently advertise the savings. Because of the profiling, drivers should compare many company's rates. You cannot predict which company will give you the biggest savings.

For more Pennsylvania car insurance information

More tips and info about car insurance can be found at the Pennsylvania Insurance Department website. Visitors are able to view agent and company licensing information, read consumer alerts, read industry bulletins, and get help finding coverage.

Affordable insurance is out there

As you prepare to switch companies, never skimp on coverage in order to save money. In many instances, an insured cut physical damage coverage only to discover later that the small savings ended up costing them much more. The ultimate goal is to get the best coverage possible for the lowest price.

Cost effective car insurance is definitely available both online and also from your neighborhood Wampum agents, so you should compare both to have the best selection. There are still a few companies who may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.