Car Insurance in Harrisville - 7 Ways to Save Money
Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us when we tell you many consumers are feeling buyer's remorse and feel like there's no way out. Having so many companies and agents to choose from, it's difficult to choose the most affordable car insurance company.
It's important to take a look at other company's rates every six months since rates are constantly changing. Even if you got the best rates a few years ago you may be paying too much now. There is a lot of wrong information about car insurance on the internet, so we're going to give you some great ways to slash your car insurance rates.
Comprehensive Harrisville Car Insurance Comparison
Most major insurance companies provide coverage prices directly from their websites. Getting quotes is pretty painless as you simply enter the coverages you want into the quote form. Behind the scenes, their rating system will obtain your credit score and driving record and returns pricing information. This helps simplify price comparisons, but the time it takes to visit each company's website and repetitively enter the same data into a form can be a bit tiresome and repetitive. Unfortunately, it is important to perform this step if you want to find a lower rate.
Quote rates the easy way
A less time-consuming method to lower your rates is to use a quote form that analyzes rates from more than one company. It's a real time-saver, reduces the work, and makes comparison shopping much more efficient. After sending the form, it gets priced and you can select any or none of the returned quotes.
If the quotes result in lower rates, you simply finish the application and buy the new coverage. The whole process can be completed in less than 10 minutes and you'll know if lower rates are available.
To find out how much you're overpaying now, click here and enter your information. If you have your current policy handy, we recommend you duplicate the limits and deductibles identical to your current policy. This way, you are getting comparison quotes based on similar coverages.
More discounts equal less premium
Car insurance can cost a lot, but you can get discounts to reduce the price significantly. Some discounts apply automatically when you purchase, but some may not be applied and must be manually applied before being credited. If you don't get every credit possible, you're just leaving money on the table.
- Discount for Good Grades - Getting good grades can save 20 to 25%. The good student discount can last well after school through age 25.
- Multiple Vehicles - Having multiple vehicles on one policy could earn a price break for each car.
- Multi-policy Discount - When you have multiple policies with the same insurance company you may save 10% to 20% off each policy.
- Early Switch Discount - A few companies offer discounts for switching to them before your current policy expires. It's a savings of about 10%.
- Braking Control Discount - Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
- Resident Student - Any of your kids living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
- Auto/Life Discount - Companies who offer life insurance give a break if you buy life insurance from them.
As a disclaimer on discounts, many deductions do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, car insurance companies aren't that generous. Any amount of discount will help reduce your premiums.
For a list of providers who offer car insurance discounts in Pennsylvania, click this link.
Additional information can be read on the website for the Pennsylvania Insurance Department through this link. Consumers can file complaints about a company, report car insurance fraud, view agent and company licensing information, and read consumer alerts.
Other useful links include NAIC.org's Understanding your Policy and this directory of insurance agents in Harrisville Pennsylvania.
And the best car insurance company is...
You just learned many ideas to lower your car insurance rates. The most important thing to understand is the more you quote, the better chance you'll have of finding lower rates. You may be surprised to find that the biggest savings come from a company that doesn't do a lot of advertising. Smaller companies may have significantly lower rates on certain market segments as compared to the big name companies such as .
Cheap car insurance can be purchased from both online companies and also from your neighborhood Harrisville agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance providers may not provide online quoting and many times these small insurance companies only sell through independent insurance agents.
As you shop your coverage around, don't be tempted to reduce needed coverages to save money. There have been many cases where someone sacrificed full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your goal should be to get the best coverage possible at an affordable rate, not the least amount of coverage.
