Easy Methods to Pay Less on Clairton Auto Insurance

Comparing Clairton auto insurance rates online can seem like an uphill battle if you are a beginner to online quotes. But relax because there is an easy way to compare rates.

Don't pay full price with these discounts

Companies that sell car insurance don't always advertise every discount in an easy-to-find place, so here is a list some of the best known as well as the least known ways to save on auto insurance. If they aren't giving you every credit you qualify for, you are throwing money away.

Federal Employees - Active or retired federal employment can save as much as 8% with a few auto insurance companies.
Passive Restraint Discount - Cars that have air bags or motorized seat belts can get savings up to 30%.
Claim Free - Good drivers with no accidents can earn big discounts when compared to drivers who are more careless.
Clubs and Organizations - Affiliation with certain professional organizations could trigger savings when shopping for auto insurance.
Student Driver Training - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in high school.

It's important to note that many deductions do not apply to the entire policy premium. Most only apply to individual premiums such as comp or med pay. So despite the fact that it appears all the discounts add up to a free policy, you're out of luck.

Tips to Get Lower Clairton Rates

Smart consumers have a good feel for the rating factors that come into play when calculating auto insurance rates. Understanding what influences your rates empowers consumers to make smart changes that will entitle you to lower auto insurance prices.

The list below includes some of the factors used by your company to calculate prices.

Frequent auto insurance claims increase rates - Companies in Pennsylvania give better rates to drivers who do not file claims often. If you frequently file small claims, you can look forward to higher rates. Auto insurance is intended to be relied upon for larger claims.
High credit ratings translate to low rates - Having a bad credit rating is a important factor in determining your rates. People with excellent credit tend to be more responsible than drivers who have poor credit. Therefore, if your credit can use some improvement, you could potentially save money when insuring your by repairing your credit.
Rates may be higher depending on your occupation - Careers like doctors, executives and accountants have higher rates than average because of high stress and lengthy work days. On the flip side, jobs such as scientists, athletes and the unemployed get better rates.
Liability insurance protects assets - The liability section of your policy is the coverage that protects you when a jury decides you are liable for personal injury or accident damage. Liability insurance provides legal defense coverage starting from day one. Liability insurance is quite affordable compared to insuring for physical damage coverage, so drivers should carry high limits.

Your personal situation dictates your coverage

When it comes to buying proper insurance coverage for your vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help highlight whether or not you might need an agent's assistance.

Am I covered if I drive in a foreign country?
Should I drop comprehensive coverage on older vehicles?
Will I be non-renewed for getting a DUI or other conviction?
Am I getting all the discounts available?
Is rental equipment covered for theft or damage?
Should I rate my vehicle as pleasure use or commute?

If it's difficult to answer those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form. It's fast, doesn't cost anything and can help protect your family.

The auto insurance bait and switch

Pennsylvania drivers get pounded daily by advertisements for cheaper car insurance from the likes of Progressive, Allstate and GEICO. They all make the same claim that you can save if you move your coverage to them.

How do they all say the same thing?

All companies have a certain "appetite" for the type of customer that earns them a profit. An example of a driver they prefer might be profiled as between the ages of 30 and 50, a clean driving record, and has excellent credit. A propective insured who matches those parameters is entitled to the best price and therefore will cut their rates substantially.

Drivers who don't measure up to the "perfect" profile will be quoted higher premiums which leads to business not being written. The ads state "customers that switch" not "everyone that quotes" save that much money. That is how insurance companies can make those claims. This emphasizes why drivers should get quotes from several different companies. It's not possible to predict which company will have the lowest rates.

Additional Pennsylvania consumer information

Additional detailed information is available at the Pennsylvania Insurance Department website. Pennsylvania drivers can download brochures, find out industry alerts, and read industry bulletins.

A tidy conclusion

Insureds who switch companies do it for a number of reasons such as extreme rates for teen drivers, poor customer service, high rates after DUI convictions and even questionable increases in premium. Regardless of your reason, choosing a new insurance company is less work than it seems.

In this article, we covered many ideas to reduce auto insurance prices online. The key concept to understand is the more price quotes you have, the better likelihood of reducing your rate. You may be surprised to find that the lowest rates come from the least-expected company.

Lower-priced auto insurance is definitely available on the web as well as from independent agents in Clairton, and you should compare price quotes from both to have the best chance of lowering rates. Some companies don't offer you the ability to get quotes online and these smaller companies work with independent agents.