6 Simple Tricks to Slash Car Insurance Costs in West Reading

Consumers not familiar with buying insurance online might discover shopping for cheap West Reading car insurance to be a formidable task.

Finding Car Insurance Deals in West Reading, PA

Cutting your West Reading car insurance rates can be relatively painless. You just have to take time to compare quotes online from several insurance companies. It is quite easy and can be accomplished in a couple of different ways.

  • The recommended way to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This form eliminates the need for repetitive form entry for each company you want a rate for. A single form gets you price quotes direct from many companies. It's the fastest way to compare.
  • A different way to get quotes online requires a trip to the website of each company and fill out their own quote form. For examples sake, let's assume you want to compare , and . To get each rate you have to take the time to go to each site to input your insurance information, which is why the first method is quicker.

    To view a list of companies in West Reading, click here.
  • The hardest method of getting rate comparisons is to waste gas driving to different West Reading agent offices. Buying insurance online has reduced the need for local agents unless you want the trained guidance that only a license agent can provide. Drivers can get the lowest quotes online and still use a local agent and we'll cover that in a bit.

It's up to you how you get prices quotes, just make absolute certain that you use exactly the same quote information for every quote you compare. If you use mixed coverages then you won't be able to determine the best price in West Reading.

Save big with these six discounts

Auto insurance companies don't always publicize every discount in a way that's easy to find, so we break down some of the more common and also the lesser-known ways to save on car insurance. If you aren't receiving every discount you qualify for, you're paying more than you need to.

  • Federal Employees - Being employed by or retired from a federal job could cut as much as 10% off with a few car insurance companies.
  • Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10%.
  • Memberships - Belonging to a civic or occupational organization could trigger savings when shopping for car insurance.
  • Service Members Pay Less - Having a family member in the military could be rewarded with lower premiums.
  • Braking Control Discount - Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
  • Multiple Policy Discount - When you combine your home and auto insurance with the same company you may earn at least 10% off all policies.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Most only apply to specific coverage prices like comp or med pay. So when the math indicates all the discounts add up to a free policy, car insurance companies aren't that generous.

To see a list of insurance companies with discount car insurance rates in West Reading, click this link.

But I don't know anything about car insurance

When choosing adequate coverage for your vehicles, there really is not a "perfect" insurance plan. Every situation is different.

These are some specific questions might point out if your situation might need an agent's assistance.

  • Am I covered if I drive in a foreign country?
  • Do I need special endorsements for business use of my vehicle?
  • Am I getting all the discounts available?
  • Am I covered when pulling a rental trailer?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What is the difference between comprehensive and collision coverage?
  • When does my teenage driver need to be added to my policy?

If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and you can get the answers you need.

For more Pennsylvania car insurance information

Even more information can be found at the Pennsylvania Insurance Department website. Consumers can download brochures, read consumer alerts, and find out which companies have the most complaints.