Free Guide to Paying Less for Windsor Auto Insurance Online

Nobody looks forward to buying auto insurance, in particular when they are paying too much.

You have so many to buy insurance from, and even though it's nice to be able to choose, lots of choices makes it harder to compare rates.

It's important to price shop coverage periodically because prices are constantly changing. Even if you got the best rates a few years ago you can probably find a better price now. There is too much inaccurate information about auto insurance on the web, but I'm going to show you some great ways to quit paying high auto insurance rates.

Learn How to Buy Auto Insurance Cheaper

Consumers need to have an understanding of some of the elements that help determine the price you pay for auto insurance. Knowing what impacts premium levels helps enable you to make changes that may reward you with big savings.

The following are some of the items that factor into rates.

  • With age comes lower rates - Teen drivers in Pennsylvania are known to be more careless behind the wheel so they pay higher auto insurance rates. If you've ever had to add a teenage driver onto your auto insurance can be quite pricey. Older drivers are viewed as being more responsible, file fewer claims and are safer drivers.
  • Careful drivers pay lower rates - Just one ticket may increase your cost by as much as thirty percent. Drivers with clean records get better rates compared to drivers with tickets. Drivers who have flagrant citations such as hit and run, DWI or reckless driving convictions may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.
  • Where you live can impact rates - Living in less populated areas can be a good thing when insuring your vehicles. City drivers regularly have much more traffic and longer commute times. Fewer people means reduced accidents and a lower car theft rate.
  • Liability coverage is cheap - Liability coverage is the coverage that protects you if ever a court rules you are at fault for damages caused by your negligence. It provides you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.

Windsor auto insurance comparison

Be sure to get all your discounts

Companies that sell car insurance don't always advertise all their discounts very clearly, so the following is a list of both well-publicized and also the lesser-known auto insurance savings.

  • Discount for New Cars - Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
  • Good Student - This discount can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
  • Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Save over 55 - If you're over the age of 55, you may be able to get a discount up to 10%.
  • Organization Discounts - Participating in a qualifying organization could qualify you for a break on auto insurance.
  • Payment Method - If you pay your bill all at once instead of making monthly payments you could save 5% or more.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Most only cut specific coverage prices like liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, you won't be that lucky.

To choose companies who offer auto insurance discounts in Pennsylvania, follow this link.

Is there truth in advertising?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream television and radio advertisements. They all seem to say the same thing about savings after switching your policy. How does each company make almost identical claims? It's all in the numbers.

All the different companies have a certain "appetite" for the right customer that makes them money. A good example of a desirable insured could possibly be between the ages of 30 and 50, a clean driving record, and drives less than 7,500 miles a year. A customer getting a price quote who fits that profile will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential insureds who don't measure up to these standards will have to pay more money which usually ends up with the driver buying from a lower-cost company. The ad wording is "customers who switch" but not "drivers who get quotes" save that kind of money. That is how companies can truthfully advertise the way they do. Because of the profiling, you should get quotes from several different companies. It's impossible to know which company will provide you with the cheapest rates.

How do I know if I need professional advice?

When buying coverage for your vehicles, there isn't really a cookie cutter policy. Every situation is different and a cookie cutter policy won't apply. For example, these questions may help highlight whether or not you might need an agent's assistance.

  • Should I file a claim if it's only slightly more than my deductible?
  • Should I buy only the required Pennsylvania minimum liability coverage?
  • When does my teenage driver need to be added to my policy?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Am I getting all the discounts available?
  • Do I have any recourse if my insurance company denies a claim?

If you don't know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Additional Pennsylvania consumer information

Even more information can be read at the Pennsylvania Insurance Department website. Pennsylvania consumers can read enforcement actions against agents and companies, file complaints about a company, view agent and company licensing information, and find out which companies have the most complaints.

Pennsylvania auto insurance

The best insurance company isn't always the cheapest

When shopping online for auto insurance, it's very important that you do not buy poor coverage just to save money. There are many occasions where someone dropped collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase a proper amount of coverage at the best price.

You just read a lot of tips how to save on auto insurance. The most important thing to understand is the more times you quote, the better your chances of lowering your rates. Consumers could even find that the lowest rates come from some of the smallest insurance companies. Some small companies may cover specific market segments cheaper compared to the large companies like .

Cheaper auto insurance can be purchased online in addition to many Windsor insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies do not provide online price quotes and most of the time these small insurance companies sell through independent agents.