Car Insurance in West Lawn Pennsylvania - 6 Discounts You Might be Losing Out On
Finding lower premiums on West Lawn car insurance is difficult for consumers new to comparing rates online. You have so many choices that it can be more work than you anticipated to find the best price in West Lawn.
Take advantage of discounts
Auto insurance companies don't list every discount very well, so here is a list both the well known and the harder-to-find savings tricks you should be using. If you don't get every credit available, you are throwing money away.
- Driver's Ed - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in school.
- Lower Rates for Military - Being on active duty in the military could mean lower rates.
- Anti-lock Brake System - Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
- Life Insurance - Some companies give a break if you buy life insurance from them.
- Senior Citizens - If you qualify as a senior citizen, you may qualify for a small decrease in premiums.
- Multiple Policy Discount - If you have multiple policies with the same company you will save 10% to 20% off each policy.
It's important to note that most discounts do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like you could get a free car insurance policy, you're out of luck.
Are car insurance companies telling the truth?
Consumers in Pennsylvania get pounded daily by advertisements for the lowest price auto insurance from the likes of State Farm, Allstate and GEICO. They all make an identical promise that you can save if you switch your coverage to them.
But how can every company claim to save you money? This is how they do it.
Different companies can use profiling for the type of customer that earns them a profit. An example of a driver they prefer might be over the age of 50, has no tickets, and drives less than 7,500 miles a year. Any new insured who meets those qualifications gets the lowest rates and most likely will save a lot of money.
Potential customers who don't qualify for this ideal profile will be quoted a more expensive rate and ends up with the customer not buying. Company advertisements say "drivers who switch" not "people who quote" save that much money. That's why insurance companies can advertise the way they do. This emphasizes why you should quote coverage with many companies. It's just too difficult to predict the company that will provide you with the cheapest rates.
Additional detailed information is available at the Pennsylvania Insurance Department website. Visitors are able to download brochures, view a list of available companies, and find out industry alerts.
Also read more on this site for car insurance rates in Pennsylvania and this list of insurance agents in West Lawn, PA.
And the best car insurance company is...
People switch companies for any number of reasons including extreme rates for teen drivers, unfair underwriting practices, policy cancellation and even delays in paying claims. No matter why you want to switch, switching car insurance companies is less work than it seems.
When shopping online for car insurance, do not buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy the best coverage you can find for the lowest price while still protecting your assets.
Lower-priced car insurance can be found both online as well as from independent agents in West Lawn, and you should be comparing both to have the best rate selection. Some car insurance companies don't offer you the ability to get quotes online and these smaller companies work with independent agents.
