Free Guide to Paying Less for Wilkes Barre Auto Insurance Online

I can't think of anyone who likes having to buy auto insurance, particularly when they are paying too much.

Since consumers have many different company options, it's difficult to choose the best company.

Policy discounts you shouldn't miss

Car insurance companies don't list all available discounts very well, so the following is a list of both the well known and the harder-to-find discounts you could be receiving.

  • Multi-car Discount - Buying insurance for more than one vehicle on one policy qualifies for this discount.
  • Anti-lock Brakes - Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Theft Prevention Discount - Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Senior Citizens - Older drivers may qualify for better auto insurance rates.
  • Service Members Pay Less - Being deployed with a military unit could mean lower rates.

Keep in mind that some of the credits will not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, it just doesn't work that way.

For a list of insurers offering auto insurance discounts in Pennsylvania, click here.

Wilkes Barre Auto Insurance Quote Comparison

The are a couple different ways of comparing rates from different Wilkes Barre insurance companies. The recommended way to find the lowest rates is to get quotes online. This can be accomplished in a couple of different ways.

One of the best ways to get quotes for comparison is a comparison rater form like this one (opens in new window). This type of form keeps you from doing separate quotes for each company you want a rate for. A single form compares rates instantly.

A slightly less efficient method to shop for auto insurance online is going to each individual company website and fill out their own quote form. For example, let's say you want to compare , and . To get each rate you have to visit each site and enter your information, and that's why the first method is more popular.

For a list of links to companies insuring cars in Wilkes Barre, click here.

However you get your quotes, make absolute certain that you use apples-to-apples coverage limits and deductibles for each comparison quote. If you have different liability limits you will not be able to determine the lowest rate in Wilkes Barre. Slightly different limits may cause a big price difference. And when quoting auto insurance, remember that obtaining a wide range of quotes provides better odds of finding the best rates.

Insurance agents can help

When it comes to choosing coverage for your vehicles, there really is no perfect coverage plan. Every insured's situation is different and your policy should reflect that. For example, these questions might point out whether your personal situation might need an agent's assistance.

  • Am I covered when driving on a suspended license?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Should I buy additional glass protection?
  • Am I covered when delivering products for my home-based business?
  • Am I covered if I drive in a foreign country?
  • Am I covered when driving in Canada or Mexico?

If you can't answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don't have a local agent, complete this form or go to this page to view a list of companies.

Do the work, save more money

Affordable auto insurance can be found both online and also from your neighborhood Wilkes Barre agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some auto insurance companies may not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

When shopping online for auto insurance, do not sacrifice coverage to reduce premiums. In too many instances, an insured cut collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to find the BEST coverage for the lowest price while not skimping on critical coverages.