How to Get the Cheapest Corry Auto Insurance

Finding the best price on Corry auto insurance may seem to be difficult if you are a beginner to quoting online. But don't be discouraged because finding affordable coverage online is easier than you think.

It's important to compare rates periodically since insurance rates are constantly changing. Even if you got the best deal last year you will most likely find a better rate today. So just forget anything you know (or think you know) about auto insurance because it's time to teach you the only way to properly buy coverages and cut your premium.

More discounts equal less premium

The price of auto insurance can be rather high, but there could be available discounts that many people don't even know exist. Larger premium reductions will be automatically applied when you purchase, but lesser-known reductions have to be asked for before being credited. If you aren't receiving every discount you qualify for, you are throwing money away.

  • Bundle and Save - If you have multiple policies with the same insurance company you may earn at least 10% off all policies.
  • Early Signing - A few companies offer discounts for signing up prior to your current policy expiring. This can save 10% or more.
  • Theft Prevention Discount - Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
  • Federal Employees - Active or retired federal employment could cut as much as 10% off with select insurance companies.
  • Discount for Life Insurance - Companies who offer life insurance give better rates if you take out life insurance.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. Most only reduce the cost of specific coverages such as collision or personal injury protection. So when it seems like adding up those discounts means a free policy, you won't be that lucky. Any amount of discount will reduce your premiums.

Pennsylvania auto insurance quotes

It's not one size fits all

When it comes to buying proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that may help highlight if you would benefit from professional advice.

  • What are the best liability limits?
  • Does my car insurance cover rental cars?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my cargo covered for damage or theft?
  • Do I have coverage for damage caused while driving under the influence?
  • When does my teenage driver need to be added to my policy?

If you don't know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It's fast, doesn't cost anything and can provide invaluable advice.

Switch companies and save? Really?

Pennsylvania drivers get pounded daily by advertisements for cheaper car insurance by GEICO, State Farm and Progressive. They all seem to say the same thing about savings if you switch to their company.

How can each company say the same thing?

Insurance companies have a certain "appetite" for the driver that earns them a profit. An example of a desirable insured might be profiled as a mature driver, a clean driving record, and has great credit. A propective insured who fits that profile will get the preferred rates and therefore will save when they switch companies.

Consumers who do not match the requirements will have to pay higher prices which usually ends up with business not being written. The ads state "people who switch" not "everyone that quotes" save that much. That is how companies can truthfully advertise the savings.

Because of the profiling, you should get quotes from several different companies. It's not possible to predict which company will give you the biggest savings.

Additional Pennsylvania consumer information

Additional information is available on the Pennsylvania Insurance Department website through this link. Pennsylvania drivers can view agent and company licensing information, file complaints about a company, and read consumer alerts.

Pennsylvania auto insurance

And the best car insurance company is...

As you prepare to switch companies, it's not a good idea to buy lower coverage limits just to save a few bucks. In many instances, someone dropped comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. The ultimate goal is to get the best coverage possible at an affordable rate.

Throughout this article, we presented many ways to reduce auto insurance prices online. The key thing to remember is the more rate quotes you have, the higher your chance of finding lower rates. Consumers could even find that the best price on auto insurance is with a company that doesn't do a lot of advertising.

Consumers switch companies for many reasons like policy non-renewal, high prices, extreme rates for teen drivers and even delays in paying claims. It doesn't matter why you want to switch finding the right auto insurance provider is less work than it seems.