Free Guide to Spending Less for Hartstown Car Insurance Online

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me, there are lots of people in the same boat. You have multiple to buy insurance from, and even though it's nice to have multiple companies, having more makes it harder to compare rates.

More discounts equal less premium

Insuring your fleet can be pricey, but you may find discounts to reduce the price significantly. Certain discounts will be applied when you purchase, but some must be requested specifically before being credited. If you're not getting every credit possible, you are throwing money away.

Drivers Education - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class if it's offered in school.
Driver Safety - Successfully completing a driver safety course could possibly earn you a 5% discount if you qualify.
Life Insurance - Companies who offer life insurance give a discount if you purchase life insurance.
New Car Discount - Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
Early Switch Discount - Some insurance companies reward drivers for switching to them prior to your current policy expiring. It's a savings of about 10%.
Anti-lock Brake System - Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.

As a disclaimer on discounts, most discounts do not apply the the whole policy. Most cut individual premiums such as liability and collision coverage. So when it seems like all the discounts add up to a free policy, car insurance companies aren't that generous. Any amount of discount will bring down your premiums.

Why some people pay less for insurance in Hartstown

Smart consumers have a good feel for the different types of things that help determine your car insurance rates. Knowing what impacts premium levels allows you to make educated decisions that will entitle you to much lower annual insurance costs.

The following are some of the factors companies use to determine prices.

Optional equipment can affect rates - Choosing a vehicle with an alarm system can get you a discount on your car insurance. Theft prevention features like GM's OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.
Policy add-ons can waste money - There are a ton of extra coverages that can waste your money on your policy. Coverages for personal injury protection, accident forgiveness and motor club memberships may be costing you every month. These may sound like a good investment when you first buy your policy, but if you don't need them eliminate them to save money.
Big city or small town - Choosing to live in small towns and rural areas can save you money when it comes to car insurance. Drivers who live in large cities tend to have traffic congestion and much longer commute distances. Less people living in that area means fewer accidents and also fewer theft and vandalism claims.
Older drivers pay less - Young drivers in Pennsylvania are known to be careless and easily distracted when behind the wheel so they pay higher car insurance rates. Older insureds are more cautious drivers, statistically cause fewer accidents and tend to be better behind the wheel.
How's your driving record? - A bad driving record has a lot to do with how much you pay for insurance. Good drivers have lower premiums compared to drivers with tickets. Even one moving violation can increase rates forty percent or more. If you have flagrant violations such as DWI, reckless driving or hit and run convictions may find they need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to keep their license.
Your credit rating is important - Having a bad credit history is a important factor in calculating your car insurance rates. Therefore, if your credit rating is not that good, you could potentially save money when insuring your by spending a little time repairing your credit. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers who have lower credit scores.
Never go without insurance - Allowing your coverage to lapse will be a fast way to bump up your car insurance costs. And not only will insurance be more expensive, getting caught without coverage may earn you a revoked license or a big fine.You may need to submit proof of financial responsibility or a SR-22 with the Pennsylvania department of motor vehicles.

Switch companies and save? Really?

Consumers get pounded daily by advertisements that promise big savings by companies like State Farm, Allstate and GEICO. They all make an identical promise about savings after switching to them.

How does each company make the same claim?

Insurance companies are able to cherry pick for the type of driver that earns them a profit. An example of a driver they prefer could be between the ages of 30 and 50, has no tickets, and has a high credit rating. A customer who meets those qualifications gets the lowest rates and therefore will save when switching.

Consumers who do not match these standards will be quoted higher prices and ends up with business going elsewhere. The ads say "customers that switch" not "everyone that quotes" save money. That's the way companies can truthfully state the savings.

This emphasizes why drivers should get as many comparisons as possible. Because you never know which car insurance company will have the lowest rates.

Find out more about car insurance

Additional information is available on the website for the Pennsylvania Insurance Department located here. Consumers can view a list of available companies, discover disciplinary actions, view agent and company licensing information, and read enforcement actions against agents and companies.

In the end, you save

Cheap car insurance can be purchased from both online companies and with local Hartstown insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies do not offer you the ability to get quotes online and these smaller companies work with independent agents.

As you restructure your insurance plan, it's very important that you do not skimp on coverage in order to save money. There have been many situations where an insured dropped liability limits or collision coverage only to find out that they should have had better coverage. The proper strategy is to purchase plenty of coverage at a price you can afford while still protecting your assets.