10 Simple Tips to Slash Car Insurance Costs in Wellsboro

Expensive car insurance can take a big chunk out of your bank account and put the squeeze on your family's finances. Comparison shopping is free and is an excellent way to slash your bill and have more diposable income. With consumers having so many insurance companies to choose from, it's difficult to locate the most cost effective provider.

How much can you save with these ten discounts?

Car insurance companies don't necessarily list every discount very well, so the following is a list of some of the more common and the harder-to-find ways to save on car insurance. If you don't get every credit you deserve, you are throwing money away.

Pay Now and Pay Less - If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
Auto/Life Discount - Companies who offer life insurance give a break if you buy life insurance from them.
Own a Home - Simply owning a home may earn you a small savings because maintaining a house demonstrates responsibility.
Discount for Swiching Early - Select companies give a discount for switching to them prior to your current policy expiring. The savings is around 10%.
Braking Control Discount - Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
55 and Retired - If you qualify as a senior citizen, you may receive better car insurance rates.
Driver's Ed - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class if offered at their school.
Government Employees - Active or retired federal employment can earn a discount up to 10% with a few car insurance companies.
Passive Restraints and Air Bags - Cars that have air bags or automatic seat belts can receive discounts of 20% or more.
Distant Student - Any of your kids living away from home attending college and don't have a car can receive lower rates.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. Just because you may think you could get a free car insurance policy, car insurance companies aren't that generous.

How much car insurance do I need?

When it comes to buying coverage for your personal vehicles, there really is no "perfect" insurance plan. Every insured's situation is different so this has to be addressed. For example, these questions can help discover if your insurance needs might need professional guidance.

Are my tools covered if they get stolen from my vehicle?
What happens if I owe more than my vehicle is worth?
When do I need to add a new car to my policy?
Does my car insurance cover rental cars?
Can I get a multi-policy discount for packaging my home and auto coverage?
When does my teenage driver need to be added to my policy?
Should I put collision coverage on all my vehicles?

If it's difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It's fast, doesn't cost anything and may give you better protection.

Save 15 percent in 15 minutes? Is it for real?

Consumers get pounded daily by advertisements for car insurance savings by State Farm, Allstate and GEICO. They all make the same claim about savings if you change to their company.

But how can every company make the same claim? This is how they do it.

Different companies have a preferred profile for the driver that earns them a profit. A good example of a driver they prefer could be between 30 and 50, has no prior claims, and has excellent credit. Any new insured who matches those parameters receives the best rates and is almost guaranteed to save a lot of money.

Consumers who don't meet this ideal profile will be quoted higher prices which leads to business going elsewhere. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much. This is how companies can truthfully make those claims. This emphasizes why you should get as many comparisons as possible. It's just too difficult to predict which insurance companies will have the lowest rates.

Even more information can be read at the Pennsylvania Insurance Department website. Consumers can view a list of available companies, file complaints about an insurance agent or broker, report car insurance fraud, and file complaints about a company.

Also read more on this page for car insurance prices in Pennsylvania and this list of insurance agents in Wellsboro, PA.

A tidy conclusion

While you're price shopping online, don't be tempted to buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice full coverage and found out when filing a claim they didn't purchase enough coverage. The proper strategy is to buy enough coverage for the lowest price while still protecting your assets.

Cheap car insurance can be sourced from both online companies and also from your neighborhood Wellsboro agents, so compare prices from both in order to have the best price selection to choose from. Some companies may not provide you the ability to get quotes online and these small insurance companies work with independent agents.