Buy the Cheapest Allentown Auto Insurance

Having to pay for overpriced auto insurance can empty your personal savings and force you to prioritize other expenses. Comparison shopping is free, only takes a few minutes, and is a good way to help make ends meet. Big companies like State Farm, Allstate, GEICO and Progressive increase brand awareness with ad campaigns and consumers find it hard to sift through the bull and do the work needed to find the best deal.

If you are insured now or need a new policy, you can learn to find the best rates and possibly find even better coverage. Choosing the best insurance company for you in Allentown is not that difficult. Pennsylvania consumers only need to know the most efficient way to shop their coverage around online.

More discounts equal less premium

Companies don't always advertise every discount in a way that's easy to find, so we break down both well-publicized as well as the least known savings tricks you should be using. If you aren't receiving every discount you deserve, you are throwing money away.

  • Pay Upfront and Save - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
  • Save over 55 - If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums.
  • Claim Free - Drivers who don't have accidents can save substantially when compared to drivers who are more careless.
  • Clubs and Organizations - Participating in a civic or occupational organization is a good way to get lower rates when shopping for auto insurance.
  • Theft Prevention Discount - Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
  • Paperwork-free - A few companies will discount your bill up to fifty bucks for buying your policy digitally online.
  • Defensive Driving Course - Successfully completing a course in driver safety could cut 5% off your bill if you qualify.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Most only apply to individual premiums such as liability and collision coverage. Even though it may seem like adding up those discounts means a free policy, you won't be that lucky.

compare Allentown auto insurance rates

It's not one size fits all

When it comes to buying adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone's needs are different so your insurance should reflect that Here are some questions about coverages that may help you determine if you might need an agent's assistance.

  • What can I do if my company won't pay a claim?
  • Should I put collision coverage on all my vehicles?
  • What companies insure drivers after a DUI or DWI?
  • Do I have any recourse if my insurance company denies a claim?
  • Are rental cars covered under my policy?
  • Do I really need UM/UIM coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Am I getting all the discounts available?

If you're not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It's fast, doesn't cost anything and can help protect your family.

Switch companies and save? Really?

Pennsylvania consumers get pounded daily by advertisements for car insurance savings from the likes of State Farm, Allstate and GEICO. They all make an identical promise about savings if you move your coverage to them.

How can each company make almost identical claims?

Insurance companies have a preferred profile for the type of customer that earns them a profit. For example, a driver they prefer could possibly be between the ages of 30 and 50, insures multiple vehicles, and has great credit. A customer getting a price quote who meets those qualifications is entitled to the best price and therefore will save when they switch companies.

Potential customers who do not match the requirements will be quoted a higher premium and ends up with the driver buying from a lower-cost company. The ads state "customers that switch" not "everyone that quotes" save that much money. This is how companies can truthfully advertise the savings. This emphasizes why you should get a wide range of price quotes. It's impossible to know which insurance companies will fit your personal profile best.

More sites with auto insurance information

Even more information can be found at the Pennsylvania Insurance Department website. Pennsylvania consumers can view a list of available companies, learn about insurance regulations, read industry bulletins, and find out which companies have the most complaints.

Allentown auto insurance comparison

Best coverage at the best price

When you buy insurance online, it's not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage at a price you can afford while still protecting your assets.

The cheapest auto insurance is definitely available online as well as from independent agents in Allentown, and you should compare price quotes from both to have the best rate selection. There are still a few companies who don't offer you the ability to get quotes online and these regional insurance providers work with independent agents.