How to Find Cheap Fairless Hills Auto Insurance

If price shopping auto insurance online is new to you, you can be overwhelmed by the hoards of auto insurance companies competing for business in Fairless Hills.

It's important to compare prices periodically because prices are constantly changing. Despite the fact that you may have had the lowest price two years ago the chances are good that you can find a lower rate today. There is too much inaccurate information about auto insurance on the internet, so we're going to give you some great ways to save money.

Be sure to get all your discounts

Car insurance companies don't list every available discount very clearly, so we researched both the well known as well as the least known discounts you could be receiving. If you're not getting every credit you qualify for, you're paying more than you need to.

Early Switch Discount - Some insurance companies reward drivers for buying a policy before your current expiration date. It's a savings of about 10%.
Good Student - A discount for being a good student can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
Resident Student - Youth drivers who are attending college and do not have access to a covered vehicle can receive lower rates.
E-sign - Some insurance companies may give you up to $50 just for signing your application over the internet.
Anti-theft System - Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.

It's important to note that some of the credits will not apply to the entire policy premium. Most only apply to individual premiums such as medical payments or collision. So when the math indicates you could get a free auto insurance policy, you're out of luck.

To see a list of providers who offer auto insurance discounts in Pennsylvania, click here.

How to Get Fairless Hills Auto Insurance Comparison Quotes

There are several ways to shop for auto insurance, but some are less time-consuming than others. You can waste a lot of time discussing policy coverages with agents in Fairless Hills, or you could save time and use the web to quickly compare rates.

Many insurance companies enroll in a system that allows shoppers to submit their information once, and every company can provide price quotes for coverage. This prevents consumers from doing quotation requests to each individual auto insurance company.

To submit your quote information now, click to open in new window.

The single downside to using this type of form is that you can't choose which carriers you will receive quotes from. So if you prefer to choose individual companies for rate comparison, we have assembled a list of auto insurance companies in Pennsylvania. Click to view list.

However you get your quotes, be sure to compare identical coverage information for every company. If you use unequal deductibles or liability limits it's impossible to decipher which rate is best in Fairless Hills.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know the factors that help determine the rates you pay for auto insurance. Knowing what influences your rates enables informed choices that can help you get better auto insurance rates.

The following are a partial list of the pieces auto insurance companies consider when setting your rates.

High performance equals high price - The type of vehicle you drive makes a huge difference in determining your rates. The lowest rates are usually for economy passenger cars, but other factors influence the final cost greatly.
Cautious drivers pay less - Careful drivers have lower premiums compared to drivers with tickets. Even a single speeding ticket can boost insurance rates twenty percent or more. Drivers who get flagrant violations like reckless driving, hit and run or driving under the influence may be required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.
Mature drivers pay less - Youthful drivers in Pennsylvania are known to be less responsible behind the wheel so they pay higher auto insurance rates. Adding a teen driver to your auto insurance policy can really hurt. Older drivers tend to be more responsible, tend to cause fewer accidents and are safer drivers.
Being married is a good thing - Having a wife or husband can get you a discount on auto insurance. Marriage means you're more mature and it's proven that married couples file fewer claims.

How do I know if I need professional advice?

When choosing the best auto insurance coverage for your vehicles, there isn't really a perfect coverage plan. Everyone's situation is a little different.

For example, these questions may help highlight whether or not you could use an agent's help.

Does my car insurance cover rental cars?
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 Fairless Hills?
Does my liability insurance cover pulling a trailer or camper?
Do I need special endorsements for business use of my vehicle?
What is the difference between comprehensive and collision coverage?

If you can't answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and can help protect your family.

Is there truth in advertising?

Consumers in Pennsylvania can't get away from ads for cheaper car insurance by State Farm and Allstate. All the ads have a common claim that you can save after switching to their company.

How does each company claim to save you money?

Different companies have a certain "appetite" for the driver that is profitable for them. For instance, a preferred risk might be over the age of 40, a clean driving record, and chooses high deductibles. A customer getting a price quote that hits that "sweet spot" is entitled to the best price and is almost guaranteed to save when switching.

Potential insureds who don't measure up to these standards will be charged more money and this can result in the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much. That is how insurance companies can state the savings. That is why drivers must get as many comparisons as possible. It's impossible to know which company will give you the biggest savings.

In the end, you save

We covered a lot of techniques to compare auto insurance prices online. The most important thing to understand is the more you quote, the more likely it is that you will get a better rate. You may even find the lowest premiums are with some of the lesser-known companies.

When buying insurance coverage, it's very important that you do not reduce coverage to reduce premium. There have been many cases where someone dropped collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your goal should be to buy enough coverage at a price you can afford, not the least amount of coverage.

Lower-priced auto insurance can be bought both online and also from your neighborhood Fairless Hills agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies may not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

Additional detailed information is located at the Pennsylvania Insurance Department website. Visitors are able to learn about specific coverages, file complaints about a company, and read enforcement actions against agents and companies.