Top 5 Ways to Pay Less on Car Insurance in Galena

If you are a novice to online car insurance shopping, it's easy to be confused by the large number of car insurance companies offering coverage in Galena.

If you currently have car insurance, you should be able to lower your premiums substantially using this information. Pricing the cheapest car insurance in Galena is quite easy. Nevertheless, Maryland consumers do need to know how big insurance companies market insurance on the web and apply this information to your search.

compare Galena car insurance rates

Policy discounts you shouldn't miss

Companies offering auto insurance do not list every discount in an easy-to-find place, so we took the time to find both the well known as well as the least known ways to save on car insurance.

  • Military Rewards - Having a family member in the military could be rewarded with lower premiums.
  • Passive Restraint Discount - Cars that have air bags or motorized seat belts can get savings of up to 25% or more.
  • Low Mileage Discounts - Low mileage vehicles can earn better rates on cars that stay parked.
  • Safety Course Discount - Taking a defensive driving course can save you 5% or more if your company offers it.
  • Multiple Policy Discount - If you insure your home and vehicles with one company you may earn 10% to 20% off each policy.

Consumers should know that most discount credits are not given to the entire policy premium. Some only reduce individual premiums such as liability and collision coverage. So when the math indicates you could get a free car insurance policy, companies don't profit that way.

To choose insurance companies with discount car insurance rates in Galena, click this link.

Save $429 a year? Really?

Car insurance providers like State Farm, Allstate and GEICO consistently run television and radio advertisements. They all make the same claim of big savings if you change to them. How do they all claim to save you money?

Different companies have a certain "appetite" for the type of driver that makes them money. For example, a driver they prefer might be between 30 and 50, a clean driving record, and has a high credit rating. Any new insured who matches those parameters will get very good rates and is almost guaranteed to cut their rates substantially.

Potential customers who don't qualify for the "perfect" profile will be quoted a higher premium which leads to the customer not buying. The ads say "customers that switch" but not "drivers who get quotes" save money. That is how insurance companies can confidently state the savings. This emphasizes why you should get a wide range of price quotes. It's just too difficult to predict which company will have the lowest rates.

Insurance agents can help

When buying the right insurance coverage for your vehicles, there is no "best" method to buy coverage. Everyone's needs are different.

For example, these questions may help highlight whether your personal situation might need professional guidance.

  • Do I have coverage when using my vehicle for my home business?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my dog or cat covered if injured in an accident?
  • Should I rate my vehicle as pleasure use or commute?
  • What is the difference between comprehensive and collision coverage?
  • Do I need special endorsements for business use of my vehicle?

If it's difficult to answer those questions but a few of them apply, you might consider talking to an agent. If you don't have a local agent, simply complete this short form.

More tips and info about car insurance can be found at the Maryland Insurance Administration website. Visitors are able to find disaster information, file complaints about a company, and discover disciplinary actions.

Maryland car insurance

Final considerations

Insureds leave their current company for a number of reasons such as unfair underwriting practices, poor customer service, delays in responding to claim requests or even policy non-renewal. No matter why you want to switch, choosing a new insurance company is easier than you think.

We just covered some good ideas how to save on car insurance. It's most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may even discover the best prices are with a small local company.

Cost effective car insurance is attainable both online and with local Galena insurance agents, so compare prices from both to have the best rate selection. Some insurance companies do not offer online price quotes and these regional insurance providers work with independent agents.