Proven Ways for Comparing Cheaper Coatesville, PA Auto Insurance

Tired of being strong-armed to insure your vehicles every month? You are in the same boat as millions of other consumers. Big-name insurance companies like State Farm, GEICO and Farmers Insurance persitently shower you with ad campaigns and consumers find it hard to separate fact from fiction and do the work needed to find the best deal.

If you have a current auto insurance policy or are shopping for new coverage, you can learn to shop for the lowest rates and still get good coverage. Choosing the best insurance company for you in Coatesville is quite easy. Pennsylvania vehicle owners just need to know the tricks to get comparison rates over the internet.

Policy discounts you shouldn’t miss

Auto insurance companies don’t always advertise every available discount in a way that’s easy to find, so we took the time to find some of the more common and the harder-to-find ways to save on auto insurance. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Homeowners Savings – Owning a home in Coatesville may earn you a small savings because maintaining a house requires personal responsibility.
  • Discount for Good Grades – Getting good grades can save 20 to 25%. The good student discount can last up until you turn 25.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching to them before your current policy expires. The savings is around 10%.
  • New Car Discount – Insuring a new car is cheaper compared to insuring an older model.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy can get a discount on all vehicles.
  • Life Insurance Discount – Select insurance companies reward you with a discount if you purchase auto and life insurance together.
  • Safety Course Discount – Completing a course in driver safety could possibly earn you a 5% discount depending on where you live.
  • Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with better rates on cars that stay parked.
  • Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.

It’s important to understand that most credits do not apply to the entire policy premium. The majority will only reduce individual premiums such as collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, you’re out of luck.

For a list of companies with discount auto insurance rates in Coatesville, click here to view.

You may need specialized coverage

When it comes to choosing adequate coverage, there really is no “best” method to buy coverage. Each situation is unique so this has to be addressed. Here are some questions about coverages that might help in determining whether your personal situation will benefit from professional help.

  • Is there coverage for injuries to my pets?
  • Does my vehicle qualify for pleasure use?
  • Am I covered when driving someone else’s vehicle?
  • I don’t drive much so do I pay less?
  • What can I do if my company won’t pay a claim?
  • What are the best liability limits?
  • Why is insurance for a teen driver so high in Coatesville?
  • Does my insurance cover my expensive audio equipment?
  • Should I buy additional glass protection?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Quote online but still have a local agent

Certain consumers would rather visit with an insurance agent and there is nothing wrong with that. Professional agents can answer important questions and give you someone to call. One of the best bonuses of comparing insurance prices online is you may find lower rates and still have an agent to talk to.Coatesville car insurance quote

To find an agent, once you fill out this quick form, the coverage information is transmitted to insurance agents in Coatesville who will give you bids for your insurance coverage. You won’t need to drive around as quotes are delivered straight to your inbox. How cool is that?!

Selecting a company needs to be determined by more than just the premium amount. Any agent should be forthright in answering these questions:

  • Will their companies depreciate repairs to your car based on the mileage?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Is assistance available after office hours?
  • What insurance companies do they work with?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Does the company allow you to choose your own collision repair facility?

Shown below is a list of auto insurance companies in Coatesville who can help you get rate quotes.

Landis Insurance – 1238 W Lincoln Hwy, Coatesville, PA 19320 – (610) 383-1451
Allstate Insurance – 2320 E Lincoln Hwy, Coatesville, PA 19320 – (610) 383-1688
Di Matteo Agency – 3000 Fisherville Rd, Coatesville, PA 19320 – (610) 383-1114
State Farm Insurance – 114 Airport Rd, Coatesville, PA 19320 – (610) 384-8554
West Chester Insurance Inc – , Coatesville, PA 19320 – (610) 380-4444

After receiving acceptable answers to these questions and a good coverage price, it’s possible that you found an insurer that is a good match to service your policy.

Advertising myths

Pennsylvania consumers can’t ignore all the ads that promise big savings from companies such as Allstate, GEICO and Progressive. They all seem to make an identical promise about savings if you change your policy.

But how can every company make almost identical claims?

All companies have a certain “appetite” for the type of driver that earns them a profit. An example of a driver they prefer might be profiled as between the ages of 40 and 55, is a homeowner, and drives less than 10,000 miles a year. Any driver who fits that profile receives the best rates and most likely will save quite a bit of money when switching.

Potential insureds who don’t meet the “perfect” profile will be quoted a higher premium and ends up with business going elsewhere. Company advertisements say “drivers who switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can advertise the way they do. This emphasizes why drivers should get a wide range of price quotes. It’s impossible to know the company that will provide you with the cheapest rates.

Even more information can be read at the Pennsylvania Insurance Department website. Consumers can get help finding coverage, report car insurance fraud, view agent and company licensing information, and discover disciplinary actions.

Do the work, save more money

When shopping online for auto insurance, do not skimp on coverage in order to save money. There are a lot of situations where drivers have reduced collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy enough coverage at an affordable rate while still protecting your assets.

Discount auto insurance can be bought both online in addition to many Coatesville insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance companies do not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.