Car Insurance in Warrington - 8 Discounts to Save Money

Nobody looks forward to paying for car insurance, especially when the cost is way too high.

Insurance companies such as GEICO and Progressive persitently shower you with advertising and it is difficult to sift through the bull and do the work needed to find the best deal.

It's important to take a look at other company's rates occasionally since rates are constantly changing. Even if you got the best price last year the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about car insurance because you're about to find out the tricks you need to know to eliminate unnecessary coverages and save money.

Save big with these eight discounts

Auto insurance companies do not advertise all their discounts in a way that's easy to find, so we took the time to find some of the more common and also the lesser-known ways to save on car insurance.

Bundle and Save - When you combine your home and auto insurance with the same company you may earn at least 10% off all policies.
Braking Control Discount - Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
New Car Discount - Buying coverage on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.
Federal Employees - Being employed by or retired from a federal job could cut as much as 10% off with select insurance companies.
55 and Retired - Mature drivers may be able to get better car insurance rates.
Drive Less and Save - Fewer annual miles can earn better rates on cars that stay parked.
Accident Forgiveness - A handful of insurance companies allow you one accident before raising your premiums as long as you don't have any claims for a set time period.
Good Student - A discount for being a good student can earn a discount of 20% or more. This discount can apply well after school through age 25.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. The majority will only reduce specific coverage prices like collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, you won't be that lucky.

To see a list of companies who offer car insurance discounts in Warrington, click this link.

Automobile Insurance Quotes in Warrington, PA

There are several ways to compare rate quotes from different Warrington insurance companies. The best method to find competitive insurance rates is to perform an online rate comparison. This can be done in a couple of different ways.

The best way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This form saves time by eliminating separate quotation requests for each company you want a rate for. A single form gets rate comparisons from car insurance companies with the best prices.
A different way to get quotes online is spending the time to visit the website for each individual company to complete a price quote. For instance, let's assume you want to compare , and . To get each rate you have to go to every website and enter your policy data, which is why the first method is quicker.

To view a list of companies in Warrington, click here.
The hardest method to get comparison rates is driving to different Warrington agent offices. Buying insurance online has reduced the need for local agents unless you want the trained guidance that only a license agent can provide. Drivers can obtain prices from the web and still use a local agent and we'll cover that in a bit.

It doesn't matter which method you choose, just make absolute certain that you use exactly the same information for every company. If you are comparing higher or lower deductibles then you won't be able to decipher which rate is best in Warrington. Having just a slight variation in coverages may cause a big price difference. And when quoting car insurance, remember that obtaining a wide range of quotes will improve the odds of getting the best price.

But I don't know anything about car insurance

When choosing the right insurance coverage for your vehicles, there really is not a "perfect" insurance plan. Every situation is different so this has to be addressed. These are some specific questions might point out if your situation would benefit from professional advice.

What is the difference between comprehensive and collision coverage?
Can I get a multi-policy discount for packaging my home and auto coverage?
Can I still get insurance after a DUI?
Am I covered if I drive in a foreign country?
Do I need PIP (personal injury protection) coverage in Pennsylvania?
Should I put collision coverage on all my vehicles?
Are there companies who specialize in insuring high-risk drivers?

If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Car insurance ads bend the truth

Car insurance companies such as GEICO, State Farm and Progressive continually stream ads on TV and radio. They all seem to make the same claim about savings after switching to their company. How can each company make the same claim? It's all in the numbers.

Insurance companies have a certain "appetite" for the driver that is profitable for them. For example, a desirable insured could be a mature driver, owns a home, and drives newer vehicles. Any new insured who matches those parameters gets the lowest rates and most likely will save when they switch companies.

Potential insureds who fall outside the requirements will have to pay more money which leads to business going elsewhere. Company advertisements say "customers who switch" not "people who quote" save that much. That is how companies can truthfully claim big savings. Because of the profiling, drivers must quote coverage with many companies. It's just too difficult to predict which company will give you the biggest savings.

Shop smart and save

When trying to cut insurance costs, it's a bad idea to reduce coverage to reduce premium. In many instances, an insured cut physical damage coverage only to regret at claim time that it was a big mistake. The ultimate goal is to buy the best coverage you can find at the best price.

Cheaper car insurance can be purchased from both online companies and also from your neighborhood Warrington agents, and you need to price shop both in order to have the best chance of saving money. A few companies may not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

For more Pennsylvania car insurance information

Even more information can be found at the Pennsylvania Insurance Department website. Consumers can view agent and company licensing information, find out industry alerts, file complaints about an insurance agent or broker, and download brochures.