7 Tricks Guaranteed to Slash the Cost of Car Insurance Costs in Ambler

Having to pay for overpriced car insurance can take a big chunk out of your checking account and force you to prioritize other expenses. Comparing price quotes is a great way to help make ends meet. With so many car insurance companies to choose from, it's difficult to locate the lowest cost car insurance company.

It's important to check car insurance prices quite often since rates are constantly changing. If you had the best deal a few years ago you will most likely find a better rate today. Starting now, ignore everything you know about car insurance because we're going to show you the only way to save money, get proper coverage and the best rates.

Buying affordable car insurance coverage in Ambler is simple if you know the tricks. If you are insured now or are shopping for new coverage, you can learn to get lower rates while maintaining coverages. Pennsylvania drivers only need an understanding of the tricks to compare company rates online.

Be sure to get all your discounts

Insuring your vehicles can cost a lot, but there are discounts available that can drop the cost substantially. Some discounts apply automatically when you purchase, but lesser-known reductions have to be manually applied before being credited. If you don't get every credit you deserve, you are throwing money away.

Sign Online - Certain companies may give you up to $50 simply for signing online.
Senior Citizens - If you qualify as a senior citizen, you can possibly qualify for reduced rates.
Government Employees - Active or retired federal employment can save as much as 8% with select insurance companies.
Anti-lock Brakes - Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
Bundle and Save - If you have multiple policies with one company you could get a discount of up to 20% off your total premium.
Good Student Discount - Performing well in school can get you a discount of up to 25%. The discount lasts up to age 25.
College Student - Youth drivers who live away from home without a vehicle on campus can receive lower rates.

Consumers should know that some of the credits will not apply to the overall cost of the policy. Most cut individual premiums such as liability, collision or medical payments. So even though it sounds like you can get free auto insurance, companies don't profit that way. Any qualifying discounts will help reduce the amount you have to pay.

How do I know if I need professional advice?

When it comes to buying proper insurance coverage for your personal vehicles, there really is no "best" method to buy coverage. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions may help you determine whether or not you may require specific advice.

Does medical payments coverage apply to all occupants?
Should I put collision coverage on all my vehicles?
Am I covered if I drive in a foreign country?
Can I get a multi-policy discount for packaging my home and auto coverage?
What are the best liability limits?
Do I need to file an SR-22 for a DUI in Pennsylvania?
Why does it cost so much to insure a teen driver in Ambler?
Does my policy cover my teen driver if they drive my company car?

If you can't answer these questions but a few of them apply then you might want to talk to an agent. If you don't have a local agent, simply complete this short form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and can help protect your family.

Is there truth in advertising?

Consumers in Pennsylvania get pounded daily by advertisements for car insurance savings by companies like State Farm, GEICO and Progressive. They all seem to have a common claim of big savings if you move to them.

But how can every company claim to save you money?

All companies have a preferred profile for the type of driver that earns them a profit. An example of a desirable insured might be over the age of 50, insures multiple vehicles, and has a short commute. Any new insured that hits that "sweet spot" gets the lowest rates and is almost guaranteed to save a lot of money.

Consumers who don't measure up to this ideal profile will have to pay higher prices and this can result in the customer not buying. The ads say "customers that switch" but not "drivers who get quotes" save money. This is how insurance companies can confidently make the claims of big savings.

Because of the profiling, 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 car insurance information is available on the website for the Pennsylvania Insurance Department located here. Visitors are able to get help finding coverage, learn about insurance regulations, download brochures, and find out industry alerts.

Also read more on this site for Pennsylvania car insurance information and see this list of insurance agents in Ambler.

A tidy conclusion

Cost effective car insurance is definitely available both online and with local Ambler insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance providers do not offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

As you shop your coverage around, do not buy lower coverage limits just to save a few bucks. In many cases, drivers have reduced comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase plenty of coverage at a price you can afford.