Easy Techniques to Pay Less on Whitaker Car Insurance

Are you intimidated by the wide range of car insurance company choices in Whitaker? Many other drivers are as well. Drivers have so many companies to choose from that it can turn into more work than you anticipated to find better rates.

It's important to take a look at other company's rates every six months because rates are constantly changing. If you had the best rates on your last policy you may be paying too much now. There is a lot of bad information regarding car insurance online but we're going to give you some great ways to slash your car insurance rates.

Comprehensive Whitaker Car Insurance Comparison

Most major insurance companies like Allstate and Progressive allow you to get coverage prices online. The process is pretty painless as you simply enter the coverages you want as detailed in the form. Behind the scenes, their rating system will obtain your credit score and driving record and generates a price based on these and other factors.

Quoting online helps simplify price comparisons, but the time required to go to several different sites and enter the same data into a form is repetitive and time-consuming. But it's very important to have as many quotes as possible in order to find the best price on car insurance.

A less time-consuming method to lower your rates utilizes a single form to return rates from multiple companies. The form is fast, reduces the work, and makes quoting online much simpler. After sending your information, it is rated and you are able to buy any one of the returned quotes.

If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. The entire process can be completed in a matter of minutes and may save quite a bit of money.

If you want to find out if lower rates are available, click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you input the coverage information as shown on your current policy. This way, you will receive rate comparison quotes based on similar coverages.

Whitaker Rates are Influenced by These Factors

It's important that you understand the rating factors that come into play when calculating your car insurance rates. Knowing what influences your rates enables informed choices that can help you get lower car insurance prices.

The list below includes some of the items car insurance companies consider when setting your rates.

More than one policy can earn a discount - The majority of car insurance companies give discounts to policyholders who consolidate policies with them in the form of a multi-policy discount. Even with this discount, it's in your best interest to shop around to ensure the best deal. Consumers may find a better deal by splitting coverages up.
Do you have enough liability coverage? - The liability section of your policy provides coverage in the event that you are found to be at fault for causing damage or personal injury in an accident. Liability provides you with a defense in court starting from day one. Liability is cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
Rates may be higher depending on your occupation - Occupations like real estate brokers, executives and financial analysts tend to have higher average rates in part from high stress and lengthy work days. Conversely, occupations such as actors, engineers and the unemployed receive lower rates.
Men fork out a little more - Statistics demonstrate that women are safer drivers than men. However, don't assume that men are worse drivers. Women and men are in accidents at a similar rate, but men cause more damage and cost insurance companies more money. Men also have more aggressive citations such as reckless driving.
How's your driving record? - Your driving record has a lot to do with how much you pay for insurance. Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Only having one speeding ticket can boost insurance rates forty percent or more. Drivers who get severe violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form with their state motor vehicle department in order to drive a vehicle legally.
Older drivers save more - Young drivers in Pennsylvania tend to be less responsible when behind the wheel so they pay higher car insurance rates. Older insureds tend to be more responsible, tend to file fewer claims and get fewer tickets.

Are you getting all your discounts?

Car insurance is not cheap, but you can get discounts that can drop the cost substantially. Certain discounts will be applied at the time of purchase, but some may not be applied and must be inquired about prior to receiving the credit.

Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
Club Memberships - Belonging to a qualifying organization could trigger savings on your policy.
No Accidents - Drivers with accident-free driving histories pay less compared to frequent claim filers.
No Charge for an Accident - Certain companies will allow you to have one accident without raising rates if you are claim-free prior to the accident.
Discount for Good Grades - Getting good grades can get you a discount of up to 25%. The good student discount can last up to age 25.

Keep in mind that most discount credits are not given to all coverage premiums. A few only apply to the price of certain insurance coverages like comprehensive or collision. Just because it seems like all the discounts add up to a free policy, it just doesn't work that way. But any discount will bring down the cost of coverage.

For a list of providers with the best car insurance discounts in Pennsylvania, click this link.

More information can be read on the Pennsylvania Insurance Department website. Click here for link. Consumers can read consumer alerts, find out which companies have the most complaints, and read industry bulletins.

Final considerations

When you buy insurance online, never reduce needed coverages to save money. Too many times, someone sacrificed collision coverage and discovered at claim time that the few dollars in savings costed them thousands. The aim is to buy enough coverage for the lowest price, not the least amount of coverage.

Affordable car insurance is definitely available from both online companies and also from your neighborhood Whitaker agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who may not provide online quoting and many times these small insurance companies only sell through independent insurance agents.

Insureds who switch companies do it for any number of reasons including policy cancellation, questionable increases in premium, high rates after DUI convictions and denial of a claim. Regardless of your reason for switching companies, switching car insurance companies is not as hard as you think.