9 Ways to Pay Lower Car Insurance Premium in Allentown, PA

Overpriced car insurance can overdraw your personal savings and make it impossible to make ends meet. Shopping your coverage around is free and is an excellent way to help make ends meet.

Online insurance companies like GEICO and Progressive continually bombard you with catchy ads and consumers find it hard to avoid their marketing magic and effectively compare rates to find the best deal.

It’s a good habit to compare prices once or twice a year due to the fact that insurance rates fluctuate regularly. Just because you found the lowest price a few years ago there is a good chance you can find better rates now. Ignore everything you know about car insurance because you’re about to find out one of the easiest ways to buy cheaper car insurance.

If you currently have a car insurance policy, you should be able to cut costs considerably using these tips. Finding affordable coverage in Allentown is not rocket science. But Pennsylvania vehicle owners must understand how the larger insurance companies market insurance on the web because it can help you find the best coverage.

Save big with these discounts

Insurance can be prohibitively expensive, but you can get discounts to help bring down the price. Some trigger automatically when you quote, but some may not be applied and must be requested specifically before being credited.

  • Driver Safety – Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
  • Auto/Home Discount – If you have multiple policies with one company you may save approximately 10% to 15%.
  • Low Mileage – Low mileage vehicles could be rewarded with better rates on cars that stay parked.
  • Drivers Education – Have your child enroll in driver’s education if it’s offered in school.
  • Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% with a few car insurance companies.
  • Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.

A little note about advertised discounts, some credits don’t apply to the entire policy premium. Most only apply to the price of certain insurance coverages like medical payments or collision. Just because you may think all the discounts add up to a free policy, companies wouldn’t make money that way. Any amount of discount will reduce your overall premium however.

For a list of insurance companies who offer car insurance discounts in Allentown, follow this link.

Don’t I need to talk to an agent?

A small number of people would prefer to get advice from a local agent and that is just fine! The best thing about getting online price quotes is that you can obtain the best rates but still work with a licensed agent. And supporting local businesses is important particularly in Allentown.lower rates in Allentown Pennsylvania

After completing this quick form, your information gets sent to participating agents in Allentown who will battle for your business. There is no reason to leave your house due to the fact that quote results will go immediately to your email address. How’s that for easy! Get lower rates AND a local agent.

To contact a specific insurance agent in Allentown, click here to link.

Choosing an insurer should depend on more than just a cheap price. These questions are important to ask:

  • Are they properly licensed to sell insurance in Pennsylvania?
  • Will your rates increase after a single accident?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Do they carry Errors and Omissions coverage?
  • Do the coverages you’re quoting properly cover your vehicle?
  • Do they have any clout with companies to ensure a fair claim settlement?

Upon getting positive responses to any questions you have and an acceptable price quote, it’s possible that you found an provider that can adequately provide car insurance.

Do drivers who switch really save?

Car insurance providers like Allstate, GEICO and Progressive continually stream ads on TV and radio. They all make the same claim about savings after switching your coverage to them. But how can every company claim to save you money? This is how they do it.

Insurance companies have a certain “appetite” for the type of customer they prefer to insure. An example of a preferred risk could possibly be between 30 and 50, owns a home, and has great credit. A driver who matches those parameters is entitled to the best price and as a result will probably save when they switch companies.

Drivers who don’t meet this ideal profile will have to pay a higher premium which usually ends up with the customer not buying. The ads state “drivers who switch” not “everyone that quotes” save money. That’s the way companies can truthfully make those claims.

Because of the profiling, you should compare many company’s rates. It’s just too difficult to predict which company will provide you with the cheapest rates.

lower rates in Allentown Pennsylvania

Learn more about Pennsylvania car insurance

Additional car insurance information is located on the website for the Pennsylvania Insurance Department found here. Consumers can get help finding coverage, read consumer alerts, and find out industry alerts.

Additional helpful sites include III.org’s auto insurance page and this link where you can get more info about Allentown car insurance.

The best insurance company isn’t always the cheapest

Affordable car insurance is available both online and with local Allentown insurance agents, and you need to comparison shop both to get a complete price analysis. Some companies do not offer you the ability to get quotes online and these small insurance companies work with independent agents.

In this article, we presented a lot of information how to shop for car insurance online. It’s most important to understand that the more companies you get rates for, the better your chances of lowering your rates. You may even find the lowest premiums are with a small local company. These companies can often provide lower rates in certain areas than their larger competitors like Allstate or State Farm.