Discover the Secrets to Lower New Kensington Auto Insurance

Sick and tired of not being able to afford to insure your vehicles every month? Your situation is no different than many other drivers in Pennsylvania.

Many insurance companies vie for your business, so it’s not easy to compare every insurer and get the definite cheapest price

It’s a good habit to take a look at other company’s rates on a regular basis due to the fact that insurance rates are usually higher with each renewal. Despite the fact that you may have had the lowest price a couple years back the chances are good that you can find a lower rate today. So block out anything you think you know about auto insurance because it’s time to teach you the easiest way to save on auto insurance.

If you have car insurance now, you will be able to save some money using these tips. Finding the best rates in New Kensington is not that difficult. Nevertheless, Pennsylvania consumers can benefit by having an understanding of the methods companies use to sell online and use this information to your advantage.

How to Compare Auto Insurance Quotes in New Kensington

There are a variety of methods to compare auto insurance quotes, and some are more efficient than others. You could waste time discussing policy coverages with insurance companies in New Kensington, or you could save time and use the web to maximize your effort.

Most of the best insurance companies enroll in a system where prospective buyers only type in their quote data once, and at least one company can give them a price based on the submitted data. This prevents consumers from doing repetitive form submissions for every auto insurance company.

To submit your quote information now, click here (opens in new window).

The one disadvantage to doing it this way is you don’t know exactly which providers to get pricing from. So if you want to select specific providers to receive pricing from, we have a page of the cheapest auto insurance companies in Pennsylvania. Click here for list of insurance companies in Pennsylvania.

It’s your choice how you get your quotes, but double check that you are using exactly the same coverages for every company. If the quotes have higher or lower deductibles it will be impossible to determine the best price in New Kensington. Quoting even small variations in coverage limits can result in a big premium difference. And when price shopping your coverage, quoting more helps locate the best rates.

Good Decisions Result in Lower Rates

Smart consumers have a good feel for the different types of things that play a part in calculating your auto insurance rates. Having a good understanding of what determines base rates helps enable you to make changes that can help you get big savings.

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

• Higher safety ratings means cheaper insurance – Vehicles with high crash test scores get lower rates. Safer cars reduce injuries and fewer injuries translates into fewer and smaller insurance claims passed on to you as lower rates.
• Occupation reflects on rates – Did you know your auto insurance rates can be affected by your occupation? Jobs such as judges, architects and accountants have higher rates than average in part from high stress levels and long work hours. On the flip side, jobs such as actors, athletes and homemakers get better rates.
• Increase deductibles and save – Physical damage deductibles represent how much money you are required to spend out-of-pocket in the event of a claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some instances where coverage would apply are colliding with a building, vandalism, and windstorm damage. The more you are required to pay out-of-pocket, the bigger discount you will receive.
• Discounts for married couples – Having a spouse can actually save you money on your auto insurance policy. Having a significant other translates into being more mature and responsible and it’s proven that married couples file fewer claims.

Policy discounts you shouldn’t miss

Companies offering auto insurance don’t always list every discount in an easy-to-find place, so here is a list some of the best known and the more hidden discounts you could be receiving.

• Braking Control Discount – Vehicles with anti-lock braking systems prevent accidents and earn discounts up to 10%.
• Defensive Driving Course – Completing a defensive driving course could cut 5% off your bill if your company offers it.
• More Vehicles More Savings – Buying coverage for multiple cars or trucks on the same auto insurance policy may reduce the rate for each vehicle.
• Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less than drivers with accidents.
• Save over 55 – Older drivers can possibly qualify for a small decrease in premiums.
• Low Mileage – Driving fewer miles can earn discounted rates on garaged vehicles.

It’s important to understand that most discounts do not apply the the whole policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, it doesn’t quite work that way.

Insurance agents can help

When buying the best auto insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions may help highlight whether your personal situation might need an agent’s assistance.

• What are the best liability limits?
• Do I need medical payments coverage since I have good health insurance?
• What are Pennsylvania no-fault laws?
• I don’t drive much so do I pay less?
• Can I afford to pay high deductible claims out of pocket?
• When does my teenage driver need to be added to my policy?
• Is my teen driver covered when they drive my company car?
• Do I need PIP coverage since I have good health insurance?
• When should I not file a claim?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Shop smart and save

Low-cost auto insurance can be bought on the web in addition to many New Kensington insurance agents, so compare prices from both so you have a total pricing picture. Some companies do not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

When shopping online for auto insurance, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice physical damage coverage and discovered at claim time that the savings was not a smart move. Your strategy should be to purchase plenty of coverage at the best price while still protecting your assets.

In this article, we presented some good ideas how you can get a better price on auto insurance. It’s most important to understand that the more companies you get rates for, the better chance you’ll have of finding lower rates. Consumers could even find that the best prices are with an unexpected company. Smaller companies may have significantly lower rates on certain market segments compared to the large companies like State Farm, GEICO and Nationwide.

Even more information is available at the Pennsylvania Insurance Department website. Consumers can get help finding coverage, file complaints about an insurance agent or broker, report car insurance fraud, and find a variety of consumer forms.

Other useful links include Auto Insurance 101 and this page for help finding agents in New Kensington, PA.