6 Methods to Save on Car Insurance in Williamstown

Purchasing the cheapest Williamstown car insurance on the internet is rather challenging for consumers not familiar with comparison shopping online. Because there are so many choices, how can you even start to compare every company to locate the best price?

It's important to do rate comparisons on a regular basis since rates are constantly changing. Despite the fact that you may have had the lowest price a few years ago you will most likely find a better rate today. You can find a lot of misleading information regarding car insurance on the web, but we're going to give you some great ways to put money back in your pocket.

Be sure to get all your discounts

Car insurance can cost a lot, but you may find discounts to cut the cost considerably. Some discounts apply automatically at the time you complete a quote, but a few must be manually applied prior to getting the savings.

  • Good Student Discount - Performing well in school can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
  • E-sign - Some insurance companies will give a small break for buying your policy online.
  • Resident Student - Children who are attending college and do not have access to a covered vehicle can receive lower rates.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Anti-theft System - Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
  • New Car Discount - Buying coverage on a new vehicle is cheaper compared to insuring an older model.

A little note about advertised discounts, most credits do not apply to all coverage premiums. A few only apply to individual premiums such as medical payments or collision. So even though they make it sound like you could get a free car insurance policy, you won't be that lucky. Any amount of discount will help reduce the amount you have to pay.

Pennsylvania car insurance

Is there truth in advertising?

Companies like State Farm and Allstate continually stream television and radio advertisements. All the ads say the same thing about savings after switching to them. But how can every company make the same claim?

Different companies have a preferred profile for the type of driver that earns them a profit. For instance, a preferred risk could be over the age of 50, insures multiple vehicles, and has a short commute. Any new insured who fits that profile receives the best rates and is almost guaranteed to save a lot of money.

Potential customers who don't measure up to this ideal profile will be charged a more expensive rate which usually ends up with business going elsewhere. Company advertisements say "customers that switch" but not "drivers who get quotes" save money. This is how companies can truthfully make the claims of big savings.

That is why you should get a wide range of price quotes. It's just too difficult to predict which insurance companies will fit your personal profile best.

Additional information is located on the Pennsylvania Insurance Department website located here. Consumers can file complaints about a company, get help finding coverage, and read enforcement actions against agents and companies.

Also read more on NAIC.org's Understanding your Policy and this directory of insurance agents in Williamstown Pennsylvania.

The best insurance company isn't always the cheapest

You just learned a lot of information how to reduce car insurance prices online. The most important thing to understand is the more you quote, the better your chances of lowering your rates. Consumers may even find the biggest savings come from a small local company.

Cheaper car insurance can be bought from both online companies and with local Williamstown insurance agents, and you should be comparing both to have the best rate selection. Some insurance providers do not offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

As you shop your coverage around, do not buy lower coverage limits just to save a few bucks. There have been many cases where drivers have reduced collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy enough coverage at a price you can afford, not the least amount of coverage.