Tightwads Guide for Saving on Mt Pocono Auto Insurance

Having to pay for overpriced auto insurance can take a big chunk out of your checking account, especially in this economy. Comparing price quotes is a smart way to help make ends meet.

Popular companies such as State Farm, Allstate, GEICO and Progressive constantly blast consumers with fancy advertisements and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.

It's important to take a look at other company's rates on a regular basis because prices are constantly changing. Just because you had the lowest rates last year the chances are good that you can find a lower rate today. So ignore everything you know about auto insurance because you're going to get a crash course in the tricks you need to know to reduce your cost while increasing coverage.

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using this strategy. Finding the best rates in Mt Pocono is quite easy. Nevertheless, Pennsylvania consumers do need to know how big insurance companies sell insurance online and use this information to your advantage.

These discounts can lower your rates

Car insurance can cost a lot, but you can get discounts that you may not even be aware of. A few discounts will automatically apply when you purchase, but lesser-known reductions have to be asked for before being credited.

Good Student Discount - A discount for being a good student can earn a discount of 20% or more. This discount can apply until age 25.
Accident Waiver - A handful of insurance companies will forgive one accident before raising your premiums if you are claim-free for a set time period.
Passive Restraint Discount - Vehicles with factory air bags or automatic seat belts can qualify for discounts of up to 25% or more.
Payment Discounts - If you pay your bill all at once instead of paying each month you may reduce your total bill.
E-sign - A few companies may give you up to $50 simply for signing digitally online.
Resident Student - Children who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.
Low Mileage - Driving fewer miles can earn lower rates on the low mileage vehicles.
Defensive Driver - Successfully completing a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.

Consumers should know that most credits do not apply to all coverage premiums. Some only apply to individual premiums such as medical payments or collision. So when it seems like adding up those discounts means a free policy, companies don't profit that way. Any qualifying discounts will reduce the cost of coverage.

To see a list of providers offering auto insurance discounts in Mt Pocono, follow this link.

Auto Insurance Prices in Mt Pocono, Pennsylvania

Most companies quote coverage prices on their websites. This process is pretty painless as you simply enter the coverages you want as detailed in the form. Once you submit the form, the system will obtain your credit score and driving record and returns pricing information based on these factors. Online quotes helps simplify price comparisons, but the time it takes to visit many different websites and complete many quote forms gets old quite quickly. But it's very important to perform this step if you are searching for better auto insurance pricing.

There is an easier way!

The preferred way to find lower prices uses one form that analyzes rates from more than one company. The form is fast, reduces the work, and makes online price comparison much more efficient. Immediately after submitting the form, it is quoted and you can choose your choice of the price quotes you receive.

If a lower price is quoted, you simply finish the application and buy the policy. It takes less than 15 minutes and may result in a nice savings.

To find out what other companies charge, click here to open in new window and submit your coverage information. To compare your current rates, we recommend you type in deductibles and limits identical to your current policy. This makes sure you're receiving a fair comparison based on the exact same insurance coverage.

Mt Pocono Rates are Influenced by These Factors

An important part of buying insurance is that you know some of the elements that go into determining the rates you pay for auto insurance. Having a good understanding of what determines base rates enables informed choices that can help you get much lower annual insurance costs.

Cautious drivers pay less - Careful drivers have lower premiums than bad drivers. Just one citation can boost insurance rates by as much as thirty percent. Drivers who get serious violations like reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form to the state department of motor vehicles in order to continue driving.
Are you male or female? - Statistics have proven women are more cautious behind the wheel. That doesn't necessarily mean that men are worse drivers. Both sexes are in accidents in similar percentages, but men cause more damage. Men also get cited for more serious violations like DUI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and therefore have the most expensive auto insurance rates.
Credit scores impact auto insurance rates - Your credit score is a important factor in determining what you pay for auto insurance. If your credit score is lower than you'd like, you could pay less to insure your by improving your credit score. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers with poor credit.
Optional equipment can affect rates - Purchasing a vehicle with an alarm system can help bring down rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your car from being stolen.
Marriage brings a discount - Having a spouse can actually save you money when buying auto insurance. Marriage means you're more mature and responsible and it's proven that married drivers get in fewer accidents.
Mature drivers pay less - More mature drivers tend to be more responsible, statistically cause fewer accidents and get fewer tickets. Youthful drivers are statistically proven to get distracted easily when driving and because of this, their auto insurance rates are much higher.

Are you falling for claims of savings?

Companies like State Farm and Allstate constantly bombard you with ads on television and other media. All the ads say the same thing of big savings if you switch to their company. How can each company claim to save you money?

Insurance companies have a preferred profile for the driver that is profitable for them. For example, a preferred risk might be between 30 and 50, insures multiple vehicles, and drives newer vehicles. A customer getting a price quote who fits that profile will qualify for the lowest rates and as a result will probably save when they switch companies.

Consumers who are not a match for the requirements will be charged higher prices which usually ends up with the customer not buying. The ad wording is "customers that switch" not "everybody who quotes" save that much. This is how insurance companies can confidently claim big savings.

That is why drivers must get a wide range of price quotes. It's impossible to know which insurance companies will give you the biggest savings.

Final considerations

We covered a lot of information how to compare auto insurance prices online. The key thing to remember is the more you quote, the higher your chance of finding lower rates. You may even discover the best prices are with a small local company. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as .

Cost effective auto insurance is available both online and also from your neighborhood Mt Pocono agents, so compare prices from both in order to have the best price selection to choose from. A few companies may not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

For more Pennsylvania auto insurance information

Additional auto insurance information can be found on the website for the Pennsylvania Insurance Department located here. Visitors are able to file complaints about a company, learn about insurance regulations, find out industry alerts, and view a list of available companies.