Comparing Low-Cost Center Valley Auto Insurance

Have you had enough of robbing Peter to pay Paul each month for car insurance? You're in the same situation as the majority of other car owners in Pennsylvania. With so many auto insurance companies to choose from, it's nearly impossible to locate the right provider.

It's important to get comparison quotes once or twice a year since insurance rates are constantly changing. Just because you had the best deal a year ago you will most likely find a better rate today. Starting now, forget all the misinformation about auto insurance because it's time to teach you the proper way to save on auto insurance.

Be sure to get all your discounts

The price of auto insurance can be rather high, but companies offer discounts that you may not even be aware of. Some trigger automatically when you quote, but some must be specifically requested before you get the savings. If you don't get every credit available, you are throwing money away.

New Vehicle Savings - Buying coverage on a new vehicle is cheaper since new cars are generally safer.
Military Discounts - Having a family member in the military could mean lower rates.
Early Signing - Some companies give discounts for signing up prior to your current policy expiring. This can save 10% or more.
Passive Restraints - Factory air bags can receive discounts of 20% or more.
Driver's Ed - Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
Employee of Federal Government - Active or retired federal employment can save as much as 8% with select insurance companies.

A little note about advertised discounts, most discount credits are not given to the entire cost. Most only cut specific coverage prices like collision or personal injury protection. So even though they make it sound like you can get free auto insurance, you won't be that lucky. Any amount of discount will help reduce the amount you have to pay.

Is there truth in advertising?

Pennsylvania drivers get pounded daily by advertisements for the lowest price auto insurance from companies such as GEICO, State Farm and Progressive. They all seem to make the same claim about savings if you switch your policy.

But how can every company say the same thing? It's all in the numbers.

All companies can use profiling for the right customer that earns them a profit. An example of a desirable insured might be profiled as between 25 and 40, has no tickets, and has excellent credit. A propective insured who matches those parameters will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Drivers who don't measure up to this ideal profile will have to pay a higher premium which leads to business not being written. The ad wording is "customers who switch" but not "drivers who get quotes" save that kind of money. That's why companies can truthfully make those claims.

Because of the profiling, you should get as many quotes as possible. It's not possible to predict the company that will have the lowest rates.

Additional information is available on the website for the Pennsylvania Insurance Department found here. Pennsylvania drivers can file complaints about an insurance agent or broker, find disaster information, learn about specific coverages, and find out industry alerts.

Also read more on Auto Insurance 101 and this page where you can research Center Valley insurance agents.

A tidy conclusion

While you're price shopping online, don't be tempted to buy lower coverage limits just to save a few bucks. In many instances, an insured dropped liability limits or collision coverage only to find out they didn't purchase enough coverage. The ultimate goal is to purchase a proper amount of coverage at the best price.

In this article, we covered some good ideas how to reduce auto insurance prices online. The key thing to remember is the more rate quotes you have, the better chance you'll have of finding lower rates. You may be surprised to find that the most savings is with a small mutual company. Regional companies may cover specific market segments cheaper compared to the large companies like .