Car Insurance in Wescosville - 6 Discounts to Save Money

Are you intimidated by the dozens of car insurance options in Wescosville? Many other drivers are as well. There are so many companies to choose from that it can turn into a real challenge to find the best price.

It's important to compare rates every six months since rates are constantly changing. Even if you got the lowest price on your last policy a different company probably has better rates today. Ignore everything you know about car insurance because you're about to find out the tricks you need to know to reduce your cost while improving coverage.

If you have a current car insurance policy or need a new policy, you can learn to find better prices and still get good coverage. Shopping for the cheapest protection in Wescosville is easy if you know what you're doing. Pennsylvania drivers only need an understanding of the proper methods to compare company rates over the internet.

Be sure to get all your discounts

Insuring your vehicles can cost a lot, but there could be available discounts to reduce the price significantly. A few discounts will automatically apply at the time of purchase, but less common discounts must be inquired about prior to receiving the credit. If you aren't receiving every discount possible, you are throwing money away.

  • Sign Online - A few companies will give a small break simply for signing digitally online.
  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
  • New Car Discount - Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Federal Government Employee - Active or retired federal employment could cut as much as 10% off with select insurance companies.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Discount for Life Insurance - Larger companies have better rates if you take out life insurance.

Consumers should know that most of the big mark downs will not be given to all coverage premiums. Most only reduce individual premiums such as liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, companies don't profit that way. Any qualifying discounts will reduce the amount you have to pay.

Is there truth in advertising?

Consumers get pounded daily by advertisements that promise big savings by State Farm, GEICO and Progressive. They all seem to say the same thing of big savings after switching to their company.

How can each company make the same claim?

Insurance companies are able to cherry pick for the driver that earns them a profit. For instance, a desirable insured could be between 30 and 50, has no driving citations, and has great credit. Any new insured who fits that profile will get the preferred rates and is almost guaranteed to save when they switch companies.

Potential customers who don't measure up to the requirements will have to pay higher prices which usually ends up with business going elsewhere. The ads state "customers that switch" but not "drivers who get quotes" save that much. That's the way insurance companies can confidently advertise the savings.

Because of the profiling, drivers should compare many company's rates. It's just too difficult to predict which car insurance company will fit your personal profile best.

Learn more about Pennsylvania car insurance

Additional car insurance information is located on the Pennsylvania Insurance Department website located here. Consumers can get help finding coverage, report car insurance fraud, and file complaints about an insurance agent or broker.

A tidy conclusion

Cost effective car insurance can be purchased from both online companies and also from your neighborhood Wescosville agents, so compare prices from both so you have a total pricing picture. There are still a few companies who may not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

When you buy insurance online, it's a bad idea to skimp on coverage in order to save money. In many cases, someone sacrificed liability coverage limits only to discover later that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible at a price you can afford.

Consumers change insurance companies for a number of reasons such as an unsatisfactory settlement offer, lack of trust in their agent, delays in paying claims and even extreme rates for teen drivers. Regardless of your reason, choosing a new insurance company is less work than it seems.