Free Guide to Paying Less for Waymart Auto Insurance Online

Nobody I know looks forward to paying for auto insurance, especially knowing their premiums are too high.

Insurance companies such as State Farm, Allstate, GEICO and Progressive all promote huge savings with advertising and consumers find it hard to sift through the bull and take the time to shop coverage around.

It's important to check auto insurance prices occasionally since insurance rates are constantly changing. Just because you found the lowest price last year the chances are good that you can find a lower rate today. Block out anything you think you know about auto insurance because you're about to find out how to use online quotes to lower your rates without sacrificing coverage.

Policy discounts you shouldn't miss

The cost of insuring your cars can be expensive, but there are discounts available that you may not know about. Larger premium reductions will be automatically applied when you quote, but less common discounts must be asked for prior to getting the savings.

  • College Student - Youth drivers who are attending college and do not have access to a covered vehicle can receive lower rates.
  • Theft Prevention System - Vehicles with anti-theft systems help deter theft and will save you 10% or more.
  • Homeowners Savings - Owning a house in Waymart can save you money due to the fact that maintaining a home shows financial diligence.
  • Drivers Ed for Students - Have your child complete a driver education course if it's offered in school.
  • Federal Employees - Being employed by or retired from a federal job may qualify you for a discount with select insurance companies.

It's important to note that some credits don't apply to your bottom line cost. The majority will only reduce individual premiums such as liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, you're out of luck. But any discount will reduce the amount you have to pay.

To see a list of companies who offer auto insurance discounts in Waymart, click here.

Waymart auto insurance comparison

Automobile Insurance Quotes in Waymart, PA

The are a couple different ways to compare rate quotes from different Waymart insurance companies. The best method to find competitive insurance rates involves getting comparison quotes online. This can be done in just a few minutes using one of these methods.

  • The best way to get quotes is a comparison rater form like this one (opens in new window). This type of form eliminates the need for separate forms to each individual auto insurance company. A single form gets you price quotes from several companies.
  • A harder way to shop for auto insurance online requires visiting each company's website to complete their respective quote request forms. For instance, we'll assume you want to compare , and . To find out each rate you need to go to every website and enter your policy data, which is why the first method is more popular. For a list of links to companies insuring cars in Waymart, click here.

Whichever method you choose, make absolute certain that you use exactly the same quote information on every quote you get. If you are comparing mixed coverages it's not possible to determine which rate is truly the best in Waymart. Slightly different limits can make a big difference in price. And when quoting auto insurance, remember that quoting more will increase your chances of finding the best offered rates.

What determines how much you pay?

An important part of buying insurance is that you know the factors that help determine auto insurance rates. Having a good understanding of what influences your rates allows you to make educated decisions that may reward you with big savings.

The following are a partial list of the pieces companies use to determine rates.

  • Mature drivers pay less - Older drivers are viewed as being more responsible, file fewer claims and are safer drivers. Teenage drivers are known to be less responsible behind the wheel and because of this, their auto insurance rates are much higher.
  • Bundling policies can get discounts - Many insurance companies will give a discount to people who have multiple policies with them such as combining an auto and homeowners policy. Discounts can amount to 10 percent or more. Even with this discount, you still need to compare rates to make sure you are getting the best deal.
  • Having a spouse can save you money - Having a wife or husband can get you a discount on auto insurance. It is viewed as being more mature and it's proven that married couples file fewer claims.
  • More claims means more premium - Car insurance companies in Pennsylvania generally give cheaper rates to drivers who file claims infrequently. If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance coverage is intended to be relied upon for larger claims.

Insurance agents can help

When choosing the best auto insurance coverage for your vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions might point out whether your personal situation would benefit from professional advice.

  • What are Pennsylvania no-fault laws?
  • Do I need special endorsements for business use of my vehicle?
  • Does my policy cover my teen driver if they drive my company car?
  • Is my cargo covered for damage or theft?
  • Am I covered if I drive in a foreign country?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered when delivering products for my home-based business?

If you can't answer these questions, then you may want to think about talking to an agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Save $429 a year? Really?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream television and radio advertisements. They all seem to have a common claim that you can save after switching to them. How can each company say the same thing?

All the different companies have a certain "appetite" for the type of driver that is profitable for them. For instance, a desirable insured might be profiled as a mature driver, owns a home, and has great credit. A propective insured that hits that "sweet spot" gets the lowest rates and is almost guaranteed to save when they switch companies.

Potential customers who don't qualify for the requirements will have to pay a higher premium and this can result in business not being written. Company advertisements say "customers that switch" but not "drivers who get quotes" save money. That is how insurance companies can advertise the savings.

Because of the profiling, drivers must compare many company's rates. It's not possible to predict which company will give you the biggest savings.

Do the work, save more money

As you prepare to switch companies, it's not a good idea to reduce coverage to reduce premium. There are many occasions where an insured cut liability coverage limits only to discover later that the small savings ended up costing them much more. Your aim should be to buy the best coverage you can find at a price you can afford.

Lower-priced auto insurance can be sourced on the web and with local Waymart insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who do not offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

Waymart auto insurance quote

For more Pennsylvania car insurance information

More information is located on the website for the Pennsylvania Insurance Department located here. Pennsylvania drivers can read enforcement actions against agents and companies, read consumer alerts, get help finding coverage, and download brochures.