Best Auto Insurance Exclusively for York, PA Residents

Searching for affordable York auto insurance over the internet is somewhat difficult for people who are new to comparing rates online. With a ridiculous number of online companies available, how can anyone effectively compare them all to find the cheapest rates?

Save money by taking advantage of these discounts

Insuring your vehicles can cost a lot, but you may find discounts that can drop the cost substantially. Some trigger automatically at the time of quoting, but some must be asked for before you will receive the discount.

  • Theft Prevention System – Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Homeowners Pay Less – Owning a house in York can save you money because of the fact that having a home demonstrates responsibility.
  • Discount for Good Grades – Performing well in school can save 20 to 25%. This discount can apply up until you turn 25.
  • 55 and Retired – Older drivers may be able to get a small decrease in premiums.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
  • Safety Course Discount – Completing a course in driver safety could cut 5% off your bill if your company offers it.
  • No Accidents – Claim-free drivers pay less as compared to bad drivers.
  • New Car Discount – Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.

Drivers should understand that some of the credits will not apply to the overall cost of the policy. Some only apply to individual premiums such as collision or personal injury protection. Even though it may seem like you could get a free auto insurance policy, it just doesn’t work that way. But all discounts will help reduce the cost of coverage.

To choose insurers who offer auto insurance discounts in Pennsylvania, click this link.

When should I use an insurance agent?

When buying adequate coverage, there is no best way to insure your cars. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help highlight if your insurance needs could use an agent’s help.York car insurance prices

  • Should I drop comprehensive coverage on older vehicles?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Should I sign the liability waiver when renting a car?
  • Am I getting all the discounts available?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I need medical payments coverage since I have good health insurance?
  • Does my personal policy cover me when driving my company car?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form.

Do auto insurance companies bend the truth?

State Farm and Allstate constantly bombard you with ads on TV and radio. All the companies make the same claim that you’ll save big if you switch to them. How can each company say the same thing? It’s all in the numbers.

All companies have a preferred profile for the type of driver that earns them a profit. For instance, a profitable customer might be a mature driver, insures multiple vehicles, and drives less than 10,000 miles a year. A customer that hits that “sweet spot” is entitled to the best price and as a result will probably save a lot of money.

Potential customers who don’t measure up to this ideal profile will have to pay a more expensive rate which leads to business going elsewhere. The ads state “people who switch” not “everybody who quotes” save money. This is how companies can state the savings.

Because of the profiling, you need to get a wide range of price quotes. You cannot predict which company will fit your personal profile best.

More information can be read on the Pennsylvania Insurance Department website found here. Pennsylvania drivers can find out which companies have the most complaints, view agent and company licensing information, and find out industry alerts.

The following information may also be useful.

York PA insurance ad

Cheaper insurance is a realistic goal

You just read a lot of information how to save on auto insurance. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest premiums are with a small local company.

Drivers change insurance companies for a variety of reasons including questionable increases in premium, being labeled a high risk driver, policy non-renewal or even extreme rates for teen drivers. Whatever your reason, switching companies is actually quite simple.

When shopping online for auto insurance, you should never reduce coverage to reduce premium. There are a lot of situations where an insured cut physical damage coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to find the BEST coverage at the best price while not skimping on critical coverages.