Tightwads Tips for Saving on Jessup Auto Insurance

Are you sick and tired of scraping the payment together each month for car insurance? Your situation is no different than the majority of other car owners in Pennsylvania.

There is such a variety of to pick from, and though it is a good thing to have a choice, so many choices can make it hard to compare rates.

It's important to get comparison quotes once or twice a year because prices are constantly changing. If you had the lowest price a few years ago you may be paying too much now. Don't believe everything you read about auto insurance online but I'm going to show you some great ways to slash your auto insurance rates.

Choosing the best insurance company for you in Jessup is not that difficult. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these techniques. Although Pennsylvania consumers do need to know how companies market on the web because it can help you find the best coverage.

Comprehensive Auto Insurance Comparison in Jessup

Most major insurance companies like State Farm, GEICO and Progressive provide insurance quotes on their websites. This process doesn't take much effort as you just type in the amount of coverage you want into the quote form. Behind the scenes, the system will obtain reports for credit and driving violations and gives you a price quote. This makes it a lot easier to compare rates but the process of having to visit several different sites and type in the same information is not the best way to spend an afternoon. Unfortunately, it is important to do this if you want to find a lower rate.

A less time-consuming method to find cheaper rates uses one form that gets price quotes from a bunch of companies at once. It's a real time-saver, helps eliminate reptitive entry, and makes online shopping much easier to do. As soon as you send your information, it gets priced and you are able to buy any one of the returned quotes. If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. The whole process can be completed in a matter of minutes and you will find out if you're overpaying now.

To find out how much you're overpaying now, click here and input your coverage information. If you have coverage now, it's recommended you input the insurance coverages as close as possible to your current policy. This way, you will be getting comparison quotes based on similar coverages.

Understand what determines the rate you pay

It's important that you understand the different types of things that come into play when calculating the rates you pay for auto insurance. Knowing what impacts premium levels helps enable you to make changes that may reward you with much lower annual insurance costs.

The list below includes a partial list of the pieces that factor into rates.

Pay less if you're married - Having a wife or husband actually saves money on your policy. It usually means you are more responsible it has been statistically shown that drivers who are married are more cautious.
Keep rates low by being claim-free - If you are a frequent claim filer, you can definitely plan on either policy cancellation or increased premiums. Car insurance companies in Pennsylvania award lower rates to insureds who do not rely on their insurance for small claims. Your insurance policy is intended for major claims that would cause financial hardship.
Lower miles equals lower premium - The more you drive every year the more you will pay for auto insurance. The majority of insurers charge to insure your cars based upon how you use the vehicle. Cars and trucks used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. Double check that your auto insurance policy shows the correct driver usage, because improper ratings can cost you money.
Rates may be higher depending on your occupation - Jobs such as judges, business owners and financial analysts are shown to have higher average rates in part from high stress levels and long work days. Conversely, jobs such as farmers, engineers and the unemployed pay the least.
Drive a safer car and pay less - Vehicles with high crash test scores can get you lower premiums. These vehicles have better occupant injury protection and any reduction in injury severity translates into fewer and smaller insurance claims and thus lower rates.
Don't get talked into coverage you don't need - There are a lot of extra bells and whistles that you can buy when buying auto insurance. Coverages for personal injury protection, towing coverage and membership fees may be costing you every month. These may sound like a good investment when talking to your agent, but your needs may have changed so eliminate them to save money.
Clean credit earns discounts - Credit rating is a huge factor in your rate calculation. Consumers who have high credit ratings tend to be less risk to insure than drivers with lower ratings. Therefore, if your credit score can use some improvement, you could be paying less to insure your by spending a little time repairing your credit.

More discounts equal less premium

Companies that sell car insurance don't always publicize all their discounts very clearly, so we researched both the well known and the harder-to-find savings tricks you should be using.

Homeowners Pay Less - Owning a house in Jessup can help you save on auto insurance because of the fact that having a home shows financial diligence.
Drivers Education - Require your teen driver to complete a driver education course in high school.
Employee of Federal Government - Simply working for the federal government could cut as much as 10% off with select insurance companies.
Life Insurance - Companies who offer life insurance give a discount if you purchase life insurance.
No Claims - Claim-free drivers pay much less as compared to frequent claim filers.
Defensive Driving Course - Successfully completing a defensive driving course could save 5% or more depending on where you live.
Passive Restraints and Air Bags - Factory air bags may earn rate discounts of 20% or more.

A little note about advertised discounts, most discount credits are not given to the entire cost. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, you won't be that lucky.

For a list of companies with the best auto insurance discounts in Pennsylvania, click here to view.

Even more information is located at the Pennsylvania Insurance Department website. Visitors are able to get help finding coverage, download brochures, file complaints about an insurance agent or broker, and read industry bulletins.

Other useful links include this page for Pennsylvania auto insurance and this page for help finding agents in Jessup, PA.

Do the work, save more money

The cheapest auto insurance is definitely available both online in addition to many Jessup insurance agents, so you should compare both to have the best chance of lowering rates. Some auto insurance companies do not provide online quoting and most of the time these small, regional companies sell through independent agents.

When shopping online for auto insurance, make sure you don't reduce needed coverages to save money. In many cases, an insured dropped collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible for the lowest price.