Learn How to Lower Your Premiums for Hermitage Car Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Trust us when we tell you there are lots of people in the same boat. Companies like State Farm, Farmers Insurance, GEICO and Allstate continually bombard you with ads and it is difficult to not get sucked in by the cute commercials and find the best price available.

If you have a current car insurance policy or are just looking to switch companies, you will benefit by learning to reduce the price you pay while maintaining coverages. Choosing the best insurance company for you in Hermitage is not that difficult. Pennsylvania consumers just need to understand the proper way to shop for car insurance online.

Are you getting all your discounts?

Insuring your fleet can be pricey, but you can get discounts to cut the cost considerably. Some trigger automatically when you complete an application, but some must be specially asked for before they will apply. If you aren’t receiving every discount available, you are throwing money away.

• Lower Rates for Military – Being deployed with a military unit can result in better rates.
• Club Memberships – Participating in a qualifying organization may earn a discount on car insurance.
• Discount for New Cars – Insuring a new car can cost up to 25% less compared to insuring an older model.
• Theft Prevention System – Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
• Claim Free – Good drivers with no accidents pay much less as compared to drivers who are more careless.
• More Vehicles More Savings – Buying insurance for multiple cars or trucks with the same company qualifies for this discount.

Consumers should know that most discount credits are not given to the overall cost of the policy. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So when it seems like you can get free auto insurance, you’re out of luck. Any amount of discount will bring down the cost of coverage.

To see a list of providers with the best car insurance discounts in Pennsylvania, click here.

Learn How to Buy Car Insurance Cheaper

Consumers need to have an understanding of the factors that go into determining the rates you pay for car insurance. Having a good understanding of what determines base rates allows you to make educated decisions that could result in lower car insurance prices.

• Do you need those extra coverages? – There are many extra coverages that you can buy when buying car insurance. Coverages for rental car reimbursement, towing coverage and membership fees may be costing you every month. They may seem good at first, but your needs may have changed so eliminate them to save money.
• Clean credit earns discounts – A driver’s credit score is a huge factor in determining what you pay for car insurance. If your credit is lower than you’d like, you could be paying less to insure your by repairing your credit. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers with poor credit.
• Mature drivers pay less – Teenage drivers in Pennsylvania are statistically proven to be careless and easily distracted in a vehicle so car insurance rates are higher. Mature drivers are more cautious drivers, statistically cause fewer accidents and are safer drivers.
• Traffic violations increase rates – Your driving citation history has a lot to do with how much you pay for insurance. Just one citation can bump up the cost by as much as thirty percent. Drivers who don’t get tickets get better rates compared to drivers with tickets. Drivers who have flagrant citations like DUI or reckless driving may need to file a proof of financial responsibility form (SR-22) with their state DMV in order to keep their license.
• Where you live is a factor – Living in small towns and rural areas is a positive aspect when insuring your vehicles. Drivers who live in large cities have to deal with more traffic problems and a longer drive to work. Fewer people means fewer accidents as well as less vandalism and auto theft.
• Better crash test results mean better rates – Vehicles with high crash test scores tend to have better insurance rates. These vehicles have better occupant injury protection and any reduction in injury severity translates into savings for insurance companies and lower rates for you.

When might I need an agent?

When buying the best car insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions might point out if your insurance needs would benefit from an agent’s advice.

• Is borrowed equipment or tools covered if stolen or damaged?
• Am I covered by my spouse’s policy after a separation?
• Is there coverage for injuries to my pets?
• Is my teen driver covered when they drive my company car?
• When should my teen driver be added to my policy?
• When would I need rental car insurance?
• Does my insurance cover damage caused when ticketed for reckless driving?

If you’re not sure about those questions but you think they might apply to your situation, you might consider 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. It’s fast, free and you can get the answers you need.

Can you really save $494 a year?

Pennsylvania drivers can’t ignore all the ads for the lowest price auto insurance from companies such as State Farm, Allstate and GEICO. All the companies make an identical promise that you’ll save big if you change your policy.

How do they all say the same thing?

Different companies can use profiling for the right customer that earns them a profit. An example of a desirable insured could possibly be between the ages of 30 and 50, a clean driving record, and has a high credit rating. Any new insured that hits that “sweet spot” will get very good rates and most likely will save when switching.

Drivers who fall outside the requirements must pay more money and this can result in the customer not buying. The ads say “customers who switch” not “everyone that quotes” save money. That’s the way insurance companies can confidently make the claims of big savings.

This illustrates why it’s extremely important to compare many company’s rates. It’s impossible to know which company will have the lowest rates.

More sites with car insurance information

Much more information about car insurance in Pennsylvania can be read on the website for the Pennsylvania Insurance Department through this link. Consumers can find a variety of consumer forms, read consumer alerts, and find out industry alerts.

In the end, you save

We’ve covered quite a bit of information on how to get a better price on car insurance. The key thing to remember is the more rate quotes you have, the better likelihood of reducing your rate. You may even discover the best prices are with some of the smallest insurance companies. Some small companies may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate or State Farm.

Discount car insurance is possible both online and also from your neighborhood Hermitage agents, and you need to comparison shop both to have the best rate selection. A few companies may not provide online quoting and many times these small, regional companies only sell through independent insurance agents.

As you prepare to switch companies, never reduce needed coverages to save money. There are many occasions where an accident victim reduced liability limits or collision coverage only to regret at claim time that the savings was not a smart move. The ultimate goal is to buy the best coverage you can find at an affordable rate.