7 Tricks Shown to Slash the Cost of Car Insurance Costs in Mineral Point, PA

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us when we tell you there are many people just like you. There is such a variety of to buy insurance from, and even though it's nice to have multiple companies, so many choices can make it hard to compare rates.

It's important to get comparison quotes every six months since rates are constantly changing. If you had the best rates two years ago a different company probably has better rates today. There is a lot of bad information regarding car insurance on the web, but I'm going to show you some great ways to find cheap car insurance.

Take advantage of discounts

Car insurance companies do not list all their discounts very clearly, so the following is a list of both the well known as well as the least known savings tricks you should be using. If you're not getting every credit possible, you are throwing money away.

Senior Citizens - If you qualify as a senior citizen, you can possibly qualify for a discount up to 10%.
Clubs and Organizations - Being a member of a qualifying organization is a good way to get lower rates on car insurance.
No Claims - Drivers with accident-free driving histories pay less as compared to drivers who are more careless.
No Charge for an Accident - Certain companies will forgive one accident before your rates go up as long as you don't have any claims prior to the accident.
Save with a New Car - Insuring a new car is cheaper since new cars are generally safer.
Federal Government Employee - Active or retired federal employment can save as much as 8% with select insurance companies.
Anti-theft Discount - Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.

Keep in mind that most discounts do not apply to all coverage premiums. Some only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like all the discounts add up to a free policy, it just doesn't work that way.

Are car insurance companies telling the truth?

Consumers in Pennsylvania get pounded daily by advertisements that promise big savings from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to make an identical promise that you can save if you move your policy.

How does each company claim to save you money?

All companies are able to cherry pick for the right customer that earns them a profit. A good example of a desirable insured might be a mature driver, has no driving citations, and chooses high deductibles. Any new insured who meets those qualifications will qualify for the lowest rates and most likely will save when switching.

Consumers who don't qualify for these standards will have to pay higher rates and ends up with the customer not buying. The ad wording is "customers that switch" not "people who quote" save that kind of money. That's the way insurance companies can state the savings. Because of the profiling, drivers should compare as many rates as you can. It's just too difficult to predict which car insurance company will give you the biggest savings.

Learn more about Pennsylvania car insurance

Additional detailed information can be read at the Pennsylvania Insurance Department website. Visitors are able to read enforcement actions against agents and companies, find out which companies have the most complaints, read industry bulletins, and get help finding coverage.

Best coverage at the best price

When buying insurance coverage, never skimp on coverage in order to save money. There are many occasions where someone sacrificed full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your aim should be to get the best coverage possible at a price you can afford.

Affordable car insurance is definitely available both online in addition to many Mineral Point insurance agents, and you need to price shop both to get a complete price analysis. Some insurance companies do not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.