8 Discounts Williamsport Drivers Forget when Comparing Car Insurance

Are you tired of not being able to afford each month for car insurance? You are no different than many other Maryland consumers. Lots of contend for your hard-earned dollar, so it's not easy to compare every to get the lowest rate

compare Williamsport car insurance rates

How to Compare Car Insurance Costs in Williamsport

All major car insurance companies such as State Farm, Allstate and GEICO provide coverage price quotes directly from their websites. Getting quotes is fairly simple as you simply type in the amount of coverage you want into the quote form. After the form is submitted, their rating system will obtain credit information and your driving record and returns a price based on many factors. Online price quotes streamlines rate comparisons, but having to visit a lot of sites and type in the same information is repetitive and time-consuming. Unfortunately, it is important to get many rate quotes if you want to find a lower rate.

The preferred way to find cheaper rates is to use a quote form that gets prices from several different companies. It's a real time-saver, eliminates form submissions, and makes quoting online a little more enjoyable. As soon as you send your information, it gets priced and you are able to buy any of the resulting price quotes.

If a lower price is quoted, it's easy to complete the application and purchase the new policy. The whole process takes 15 minutes at the most and you'll know if lower rates are available.

To find out how much you're overpaying now, click here and fill out the form. If you currently have coverage, we recommend that you enter your coverages identical to your current policy. This makes sure you will receive a fair comparison for the exact same coverage.

More discounts equal less premium

Insuring your fleet can be pricey, buy you may qualify for discounts to help offset the cost. Certain discounts will be applied when you quote, but less common discounts must be manually applied prior to getting the savings. If they aren't giving you every credit available, you are paying more than you should be.

  • Student Driver Training - Cut your cost by having your teen driver successfully complete driver's ed class in high school.
  • Defensive Driving Course - Taking a driver safety course could save 5% or more if your company offers it.
  • Anti-theft System - Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
  • More Vehicles More Savings - Having multiple cars or trucks with the same company may reduce the rate for each vehicle.
  • Distant Student - Youth drivers who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Multiple Policy Discount - If you insure your home and vehicles with the same insurance company you will save 10% to 20% off each policy.
  • Anti-lock Brakes - Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • Good Students Pay Less - This discount can save 20 to 25%. This discount can apply up to age 25.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. Some only reduce individual premiums such as liability and collision coverage. So despite the fact that it appears you could get a free car insurance policy, car insurance companies aren't that generous. Any amount of discount will cut your premiums.

To choose insurance companies with the best car insurance discounts in Williamsport, click here.

Switch companies and save? Really?

Consumers can't ignore all the ads for the lowest price auto insurance from the likes of State Farm, Allstate and GEICO. They all have a common claim about savings if you move your coverage to them.

How do they all make the same claim?

Different companies can use profiling for the type of customer that makes them money. For example, a driver they prefer could be between the ages of 30 and 50, has no tickets, and drives less than 7,500 miles a year. Any new insured that hits that "sweet spot" will get very good rates and therefore will cut their rates substantially.

Potential customers who do not match the "perfect" profile will be quoted a higher premium and this can result in business going elsewhere. The ads say "customers that switch" not "everyone that quotes" save that much money. That's why companies can truthfully advertise the way they do.

This emphasizes why you need to quote coverage with many companies. It's just too difficult to predict the company that will provide you with the cheapest rates.

Additional information can be found on the website for the Maryland Insurance Administration located here. Consumers can download brochures, view a list of available companies, read consumer alerts, and discover disciplinary actions.

compare Williamsport car insurance rates

Best coverage at the best price

Cheap car insurance is possible from both online companies as well as from independent agents in Williamsport, and you should compare price quotes from both to have the best rate selection. Some car insurance companies don't offer online price quotes and these regional insurance providers work with independent agents.

When shopping online for car insurance, you should never reduce coverage to reduce premium. There have been many situations where an insured dropped physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to find the BEST coverage at a price you can afford while still protecting your assets.