Car Insurance in Whitehall - 9 Discounts to Save Money

I can't think of anyone who likes paying for car insurance, especially when they are paying too much.

Numerous battle for your insurance dollar, and it can be difficult to compare rates and uncover the absolute lowest rate

It's important to compare prices occasionally since rates are constantly changing. Even if you got the best deal a year ago the chances are good that you can find a lower rate today. Starting right now, forget anything you know (or think you know) about car insurance because we're going to show you the only way to find lower rates on car insurance.

These nine discounts can lower your rates

Companies that sell car insurance don't list all their discounts in an easy-to-find place, so here is a list some of the more common and the harder-to-find discounts you could be receiving.

Bundle and Save - When you combine your home and auto insurance with one insurance company you may earn approximately 10% to 15%.
Anti-lock Brakes - Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
Life Insurance Discount - Companies who offer life insurance give lower rates if you buy auto and life insurance together.
Driver Safety - Taking part in a driver safety course can save you 5% or more and easily recoup the cost of the course.
Theft Prevention System - Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
Sign Online - A handful of insurance companies will give a small break for buying your policy on their website.
Homeowners Savings - Owning a house in Whitehall can save you money due to the fact that maintaining a home requires personal responsibility.
Payment Method - By paying your policy upfront instead of paying each month you may reduce your total bill.
College Student - Youth drivers who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like having all the discounts means you get insurance for free, you won't be that lucky.

To see a list of companies who offer car insurance discounts in Whitehall, click here.

Automobile Insurance Quotes in Whitehall, PA

Most companies such as GEICO, State Farm and Progressive provide coverage prices on the web. Getting quotes is quite simple as you just type in your coverage preferences as detailed in the form. Once you submit the form, their rating system will obtain credit information and your driving record and returns a price quote determined by many factors. Online price quotes helps simplify price comparisons, but the time required to go to several different sites and fill out multiple forms is monotonous and tiresome. But it's very important to do this if you want to find better car insurance pricing.

The preferred way to get multiple rate quotes is to use a quote form that obtains quotes from a lot of companies. The form is fast, eliminates form submissions, and makes rate comparisons much more enjoyable. After your information is entered, it gets priced and you can select any of the price quotes you receive. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. The whole process takes just a few minutes to complete and you will find out if you're overpaying now.

To find out what other companies charge, click here to open in new window and fill out the form. If you have a policy now, it's recommended you copy your coverages as close as possible to your current policy. This makes sure you will have comparison quotes based on the exact same insurance coverage.

Different people need different coverages

When choosing proper insurance coverage for your vehicles, there is no "perfect" insurance plan. Everyone's situation is unique and your policy should reflect that. For instance, these questions might point out whether you could use an agent's help.

What is the difference between comprehensive and collision coverage?
Can I get a multi-policy discount for packaging my home and auto coverage?
What happens if I owe more than my vehicle is worth?
Do I really need UM/UIM coverage?
Do I need special endorsements for business use of my vehicle?
Does my liability insurance cover pulling a trailer or camper?
Does my policy cover my teen driver if they drive my company car?

If you can't answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Are you falling for claims of savings?

Car insurance companies such as GEICO, State Farm and Progressive continually stream ads on television and other media. They all seem to have a common claim about savings after switching to their company. How do they all make the same claim? This is how they do it.

All the different companies have a certain "appetite" for the driver that is profitable for them. An example of a desirable insured could be over the age of 40, owns a home, and has excellent credit. Any new insured that hits that "sweet spot" is entitled to the best price and as a result will probably cut their rates substantially.

Drivers who are not a match for the "perfect" profile will have to pay a higher premium and this can result in business going elsewhere. Company advertisements say "drivers who switch" not "everybody who quotes" save that much. That is how companies can truthfully make those claims. Because of the profiling, drivers must get quotes from several different companies. It's just too difficult to predict which company will have the lowest rates.

Final considerations

While you're price shopping online, you should never reduce coverage to reduce premium. In many instances, an insured cut comprehensive coverage or liability limits to discover at claim time they didn't purchase enough coverage. The ultimate goal is to buy enough coverage for the lowest price.

Cheaper car insurance can be purchased from both online companies and also from your neighborhood Whitehall agents, and you need to comparison shop both to have the best selection. Some companies may not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

For more Pennsylvania car insurance information

Even more information is available at the Pennsylvania Insurance Department website. Consumers can view agent and company licensing information, find out industry alerts, file complaints about an insurance agent or broker, and discover disciplinary actions.