Top Ways to Save on Wayne Auto Insurance

Nobody likes having to buy auto insurance, especially knowing the cost is too high. There are many to pick from, and although it's nice to be able to choose, it makes it harder to compare rates.

It's important to check auto insurance prices periodically since insurance rates are constantly changing. If you had the best rates last year you can probably find a better price now. Don't believe everything you read about auto insurance online, so I'm going to show you some great ways to quit paying high auto insurance rates.

Finding affordable coverage in Wayne is easy if you know what you're doing. If you currently have a car insurance policy, you will be able to reduce your rates substantially using this information. Pennsylvania vehicle owners just need to know the most effective way to compare company rates online.

What determines how much you pay?

Consumers need to have an understanding of the factors that come into play when calculating auto insurance rates. Knowing what controls the rates you pay allows you to make educated decisions that may reward you with much lower annual insurance costs.

The list below includes some of the items companies use to determine rates.

With age comes lower rates - Teenage drivers in Pennsylvania tend to be more careless behind the wheel so they pay higher auto insurance rates. Having to add a teenage driver to your policy can be very expensive. Older drivers are viewed as being more responsible, statistically cause fewer accidents and are safer drivers.
Better credit means lower rates - Credit rating is a big factor in determining your rates. Drivers with good credit tend to file fewer claims and have better driving records than drivers with lower credit ratings. If your credit can use some improvement, you could save money insuring your by spending a little time repairing your credit.
Keep rates low by being claim-free - Car insurance companies in Pennsylvania generally give lower rates to people who file claims infrequently. If you file claims often, you can definitely plan on higher rates. Your insurance policy is intended to be relied upon for larger claims.
Where do you drive? - The more you drive each year the more you will pay for auto insurance. Most companies price each vehicle's coverage based on how the vehicle is used. Cars used primarily for pleasure use get more affordable rates compared to those used for work or business. Double check that your auto insurance policy shows the correct driver usage.

Be sure to get all your discounts

Companies don't always advertise all their discounts very clearly, so the following is a list of some of the best known and also the lesser-known discounts you could be receiving. If you're not getting every credit you qualify for, you are paying more than you should be.

New Vehicle Savings - Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
Passive Restraints - Factory air bags or motorized seat belts may earn rate discounts of more than 20%.
Federal Employees - Employees or retirees of the government could cut as much as 10% off with select insurance companies.
Good Student - This discount can earn a discount of 20% or more. The good student discount can last up to age 25.
Sign Online - A few companies give back up to $50 for buying a policy and signing up over the internet.
Defensive Driving Course - Successfully completing a course teaching defensive driving skills can save you 5% or more if your company offers it.
Theft Prevention Discount - Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
Accident Free - Good drivers with no accidents pay less as compared to accident-prone drivers.
Homeowners Savings - Owning a house in Wayne can save you money because of the fact that having a home demonstrates responsibility.
More Vehicles More Savings - Buying insurance for multiple cars or trucks with the same company can get a discount on all vehicles.

Drivers should understand that some of the credits will not apply to the entire policy premium. Most only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears all the discounts add up to a free policy, companies wouldn't make money that way.

To choose companies with the best auto insurance discounts in Pennsylvania, click here.

Is there truth in advertising?

Pennsylvania drivers can't ignore all the ads for cheaper car insurance by companies like Progressive, GEICO, Allstate and State Farm. They all seem to have a common claim that you'll save big if you move to them.

How does each company say the same thing? It's all in the numbers.

Insurance companies have a certain "appetite" for the type of driver that makes them money. A good example of a desirable insured might be profiled as a mature driver, a clean driving record, and has great credit. A propective insured that hits that "sweet spot" is entitled to the best price and is almost guaranteed to save when switching.

Potential insureds who don't measure up to these standards will have to pay more money and this can result in business not being written. The ads state "customers who switch" but not "drivers who get quotes" save money. That is how companies can advertise the savings. Because of the profiling, you should compare many company's rates. It's not possible to predict which company will give you the biggest savings.

How do I know if I need professional advice?

When buying coverage for your vehicles, there isn't really a single plan that fits everyone. Every situation is different and your policy should reflect that. For example, these questions may help highlight whether or not you would benefit from professional advice.

Should I file a claim if it's only slightly more than my deductible?
Should I drop comprehensive coverage on older vehicles?
Do I have coverage for damage caused while driving under the influence?
Can I still get insurance after a DUI?
Am I covered if I drive in a foreign country?
Do I need to file an SR-22 for a DUI in Pennsylvania?

If you can't answer these questions, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Additional Pennsylvania consumer information

More detailed Pennsylvania auto insurance information can be read at the Pennsylvania Insurance Department website. Pennsylvania drivers can read enforcement actions against agents and companies, find out industry alerts, download brochures, and file complaints about an insurance agent or broker.

Other informative sites include Auto Insurance 101 and this page where you can research Wayne insurance agents.

A tidy conclusion

As you prepare to switch companies, make sure you don't buy poor coverage just to save money. There are many occasions where someone dropped full coverage and found out when filing a claim that the small savings ended up costing them much more. Your aim should be to buy a smart amount of coverage at the best price.

Throughout this article, we presented a lot of techniques to save on auto insurance. The key concept to understand is the more times you quote, the better likelihood of reducing your rate. Consumers may even find the best price on auto insurance is with some of the smallest insurance companies. Some small companies may only write in your state and offer lower rates compared to the large companies like .