Comparison Shop Philadelphia Car Insurance Prices With These Tips

Shopping for affordable Philadelphia car insurance on the web is intimidating for people who are new to buying insurance on the web. Since there are so many companies in the marketplace, how can you even start to compare them all to find the lowest rates?

Finding affordable coverage in Philadelphia is not that difficult. If you have car insurance now, you should be able to cut costs considerably using this information. Mississippi consumers only need to know the proper way to compare prices on the web.

How much can you save with discounts?

Companies that sell car insurance don't list every discount very well, so we researched some of the more common and the harder-to-find ways to save on car insurance. If you don't get every credit you deserve, you are throwing money away.

  • Pay Now and Pay Less - If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
  • 55 and Retired - If you qualify as a senior citizen, you may receive a discount up to 10%.
  • Safety Course Discount - Completing a driver safety course could cut 5% off your bill if you qualify.
  • Braking Control Discount - Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
  • Passive Restraints and Air Bags - Cars that have air bags or automatic seat belts can receive discounts of 20% or more.
  • Military Discounts - Having a family member in the military could be rewarded with lower premiums.
  • Good Student Discount - Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Most only apply to the price of certain insurance coverages like liability and collision coverage. So when the math indicates all the discounts add up to a free policy, you won't be that lucky.

compare Philadelphia car insurance rates

Learn How to Buy Car Insurance Cheaper

Smart consumers have a good feel for the rating factors that play a part in calculating your car insurance rates. When you know what positively or negatively impacts premium levels helps enable you to make changes that will entitle you to lower car insurance prices.

Shown below are a partial list of the pieces that factor into prices.

  • Lower rates with optional equipment - Purchasing a vehicle with anti-theft technology or alarm system can help lower your rates. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.
  • Men are more aggressive - Statistics have proven women tend to be less risk to insure than men. Now that doesn't mean men are WORSE drivers than women. Women and men have accidents in similar numbers, but the men tend to have more serious accidents. Men also statistically have more aggressive citations such as reckless driving.
  • Extra add-on coverages are wasting money - There are quite a few add-on coverages that can waste your money on your policy. Things like vanishing deductibles, accident forgiveness and membership fees may be wasting your money. These may sound like a good investment when talking to your agent, but your needs may have changed so remove them from your policy.
  • Better credit scores mean better rates - Having a bad credit score is a huge factor in determining what you pay for car insurance. Consumers who have excellent credit tend to be less risk to insure than drivers who have lower ratings. If your credit rating is low, you could potentially save money when insuring your by improving your rating.
  • Higher safety ratings means cheaper insurance - Cars with high safety ratings tend to have better insurance rates. The safest vehicles have better occupant injury protection and fewer injuries translates into savings for insurance companies passed on to you as lower rates.

How much car insurance do I need?

When it comes to buying the best car insurance coverage for your personal vehicles, there really is no best way to insure your cars. Every insured's situation is different.

For example, these questions may help you determine if your insurance needs would benefit from an agent's advice.

  • What can I do if my company won't pay a claim?
  • Should I buy additional glass protection?
  • Do I really need UM/UIM coverage?
  • Does my insurance cover a custom paint job?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I have coverage when using my vehicle for my home business?
  • Do I need to file an SR-22 for a DUI in Mississippi?
  • Should I put collision coverage on all my vehicles?

If it's difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form. It's fast, doesn't cost anything and may give you better protection.

Save 15 percent in 15 minutes? Is it for real?

Consumers get pounded daily by advertisements for car insurance savings from companies such as State Farm, Allstate and GEICO. They all make the same claim about savings if you change your policy.

But how can every company make the same claim? This is how they do it.

All companies have a preferred profile for the right customer that earns them a profit. For instance, a driver they prefer could be between 25 and 40, insures multiple vehicles, and drives newer vehicles. A customer who matches those parameters is entitled to the best price and is almost guaranteed to save a lot of money.

Drivers who don't meet this ideal profile will be quoted a higher premium which leads to business going elsewhere. The ads state "drivers who switch" but not "drivers who get quotes" save that kind of money. This is how companies can truthfully claim big savings. This emphasizes why drivers should get quotes from several different companies. Because you never know which insurance companies will give you the biggest savings.

More sites with car insurance information

Even more information is located at the Mississippi Insurance Department website. Consumers can view a list of available companies, learn about insurance regulations, and discover disciplinary actions.

Also read more on this page for car insurance prices in Mississippi and this list of insurance agents in Philadelphia, MS.

Philadelphia car insurance comparison

In the end, you save

Insureds leave their current company for any number of reasons including unfair underwriting practices, denial of a claim, questionable increases in premium and even policy cancellation. It doesn't matter what your reason, switching car insurance companies is less work than it seems.

When trying to cut insurance costs, do not skimp on coverage in order to save money. There have been many situations where drivers have reduced collision coverage and learned later that it was a big mistake. The proper strategy is to buy a smart amount of coverage for the lowest price while still protecting your assets.

The cheapest car insurance is attainable from both online companies in addition to many Philadelphia insurance agents, so you should compare both to have the best selection. A few companies do not provide you the ability to get quotes online and these small, regional companies work with independent agents.