Top 7 Ways to Save on Car Insurance in Windber, PA

Tired of not being able to afford each month for car insurance? Your situation is no different than many other drivers in Pennsylvania. Consumers have many to buy insurance from, and even though it's nice to have a choice, it can be more difficult to compare rates.

Cheap Windber Car Insurance Comparisons

Getting better car insurance pricing can be relatively painless. Consumers just need to spend a few minutes to compare rate quotes online from several insurance companies. This can be done in several different ways.

The first (and easiest) way to find the lowest comparison rates is a comparison rater form click to view form in new window. This easy form keeps you from doing a different quote for every car insurance company. In just a few minutes this one form will get you price quotes .

A more time consuming way to shop for car insurance online requires a visit to the website of each company and complete a new quote form. For example, let's assume you want rates from , and . To get rate quotes you would need to visit each site to input your insurance information, which is why the first method is quicker. For a list of links to companies insuring cars in Windber, click here.

The least recommended way of getting rate comparisons is to spend your day driving to insurance agents' offices. Buying insurance online makes this process obsolete unless you want the professional advice of a local Windber agent. However, consumers can compare the best prices online but buy from a local insurance agent and we'll cover that in a bit.

It's your choice how you get your quotes, but ensure you're using identical coverage limits on every quote. If you have differing limits then you won't be able to make a fair comparison in Windber.

compare Windber car insurance rates

Policy discounts you shouldn't miss

Insuring your fleet can be pricey, but there could be available discounts to help bring down the price. Certain discounts will be triggered automatically when you complete an application, but a few need to be asked about before they will apply. If you're not getting every credit available, you're just leaving money on the table.

  • Drivers Education - Require your teen driver to successfully complete driver's ed class if offered at their school.
  • No Accidents - Claim-free drivers can save substantially when compared to frequent claim filers.
  • Safety Course Discount - Completing a defensive driving course could save 5% or more depending on where you live.
  • Distant Student - Kids in college who attend school more than 100 miles from home and don't have a car can receive lower rates.
  • Life Insurance - Some companies give a discount if you purchase a life insurance policy as well.
  • One Accident Forgiven - Certain companies allow you one accident without raising rates if your claims history is clear prior to the accident.
  • Discount for Swiching Early - Some companies give discounts for buying a policy before your current policy expires. The savings is around 10%.

Keep in mind that most discounts do not apply to the entire cost. Some only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, it just doesn't work that way. But any discount will bring down the amount you have to pay.

For a list of insurance companies with discount car insurance rates in Pennsylvania, click here to view.

More information can be found on the website for the Pennsylvania Insurance Department found here. Visitors are able to download brochures, read industry bulletins, discover disciplinary actions, and read enforcement actions against agents and companies.

And the best car insurance company is...

Affordable car insurance is attainable both online and also from your neighborhood Windber agents, so you should be comparing quotes from both to get a complete price analysis. Some car insurance companies may not provide online quoting and these regional insurance providers work with independent agents.

As you go through the steps to switch your coverage, it's very important that you do not reduce needed coverages to save money. There have been many situations where an accident victim reduced physical damage coverage only to regret at claim time that the savings was not a smart move. The proper strategy is to find the BEST coverage at the best price while still protecting your assets.