Waynesboro Car Insurance For Less Than You're Paying Now

If you've never shopped for car insurance online, you may be overwhelmed by the hoards of car insurance companies all offering big savings in Waynesboro.

It's important to compare rates occasionally due to the fact that insurance rates are constantly changing. Even if you got the best deal six months ago a different company probably has better rates today. Starting now, forget anything you know (or think you know) about car insurance because I'm going to teach you the only way to properly buy coverages and cut your premium.

Take advantage of discounts

The price of auto insurance can be rather high, but there could be available discounts that many people don't even know exist. Certain discounts will be triggered automatically when you quote, but lesser-known reductions have to be requested specifically prior to getting the savings. If they aren't giving you every credit you qualify for, you are throwing money away.

Bundle and Save - If you have multiple policies with the same company you may earn at least 10% off all policies.
Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
Theft Prevention Discount - Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
Multi-car Discount - Insuring more than one vehicle on one policy may reduce the rate for each vehicle.
College Student - Children who live away from home and do not have a car may qualify for this discount.

Keep in mind that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce individual premiums such as collision or personal injury protection. So when it seems like adding up those discounts means a free policy, it just doesn't work that way. But any discount will cut your overall premium however.

You have some control over your rates

Smart consumers have a good feel for some of the elements that go into determining the rates you pay for car insurance. Understanding what influences your rates enables informed choices that may reward you with much lower annual insurance costs.

Where you live - Living in small towns and rural areas can be a good thing when talking about car insurance. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims. Urban drivers have much more traffic to deal with and longer commutes to work. More time commuting means more change of being in an accident.
How credit affects car insurance rates - Credit score is a important factor in determining your rates. So if your credit score is lower than you'd like, you could potentially save money when insuring your by repairing your credit. Drivers who have high credit scores tend to be better drivers and file fewer claims than those with poor credit.
Do you qualify for a multi-policy discount? - Most companies will give a discount to insureds who carry more than one policy. It's known as a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even with this discount, you still need to compare other company rates to ensure the best deal.
Lower deductibles cost more - Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your car. Some instances where coverage would apply would be a windshield shattered by a rock, damage from fire, and windstorm damage. Your deductibles are how much you are willing to pay before a claim is paid by your company. The more money you are required to pay out-of-pocket, the lower your rates will be.

How to know if you need help

When it comes to buying proper insurance coverage for your vehicles, there is no perfect coverage plan. Everyone's needs are different.

These are some specific questions might point out whether your personal situation will benefit from professional help.

What is the difference between comprehensive and collision coverage?
Can I get a multi-policy discount for packaging my home and auto coverage?
Do I need special endorsements for business use of my vehicle?
Can I afford to buy a different vehicle if my vehicle is totaled?
Do I pay less if my vehicle is kept in my garage?
When does my teenage driver need to be added to my policy?
Can I still get insurance after a DUI?

If you don't know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form. It's fast, doesn't cost anything and can help protect your family.

Are car insurance companies telling the truth?

Consumers in Pennsylvania get pounded daily by advertisements for cheaper car insurance by GEICO, State Farm and Progressive. They all seem to say the same thing that you can save if you switch to their company.

How do they all claim to save you money?

Insurance companies have a certain "appetite" for the driver that earns them a profit. An example of a desirable insured might be between the ages of 40 and 55, owns a home, and has a high credit rating. Any driver who fits that profile gets the lowest rates and most likely will cut their rates substantially.

Potential customers who don't qualify for the "perfect" profile will have to pay a higher premium which usually ends up with the customer not buying. Company advertisements say "customers that switch" not "people who quote" save that much. That is how insurance companies can state the savings.

Because of the profiling, drivers should compare as many rates as you can. You cannot predict which company will have the lowest rates.

For more Pennsylvania car insurance information

More information is available on the Pennsylvania Insurance Department website located here. Visitors are able to view agent and company licensing information, find out industry alerts, and read consumer alerts.

And the best car insurance company is...

As you restructure your insurance plan, never skimp on coverage in order to save money. In many instances, an insured cut comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. The ultimate goal is to buy the best coverage you can find at a price you can afford.

Affordable car insurance can be found both online and also from your neighborhood Waynesboro agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies may not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

Consumers switch companies for a number of reasons such as policy non-renewal, policy cancellation, lack of trust in their agent and even delays in paying claims. No matter why you want to switch, choosing a new insurance company is less work than it seems.