Compare New Castle Pennsylvania Auto Insurance for the Lowest Rate With These Proven Techniques

Have you fallen victim to an overpriced auto insurance policy? Believe me, there are lots of people in the same boat. Since consumers have many insurance companies to choose from, it can be diffult for consumers to pick the cheapest company.

The purpose of this article is to instruct you on how car insurance quotes work and some tricks to saving. If you currently have car insurance, you will be able to lower your premiums substantially using these tips. Pennsylvania vehicle owners only need an understanding of the most effective way to get comparison quotes online.

Why your price might be higher

Consumers need to have an understanding of the factors that play a part in calculating the price you pay for auto insurance. Knowing what determines base rates enables informed choices that could result in better auto insurance rates.

Shown below are some of the factors auto insurance companies consider when setting premiums.

  • Do you know your deductibles? – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some instances where coverage would apply could be colliding with a building, vandalism, and burglary. Your deductibles are how much you are willing to pay before a claim is paid by your company. The more you are required to pay out-of-pocket, the bigger discount you will receive.
  • Males pay more for insurance – Statistics demonstrate women tend to be less risk to insure than men. However, don’t assume that women are BETTER drivers than men. They both are in accidents at about the same rate, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations such as DWI and reckless driving.
  • Too many auto insurance claims drive up costs – Companies in Pennsylvania generally give lower rates to policyholders who do not rely on their insurance for small claims. If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Your insurance policy is designed for the bigger claims that can’t be paid out-of-pocket.
  • Mature drivers pay less – Older drivers are viewed as being more responsible, file fewer claims and receive fewer citations. Teenage drivers are statistically proven to be less responsible behind the wheel therefore auto insurance rates are much higher.
  • Theft deterrents lower rates – Choosing a vehicle with anti-theft technology or alarm system can get you a discount on your auto insurance. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your car from being stolen.
  • Occupation reflects on rates – Jobs such as doctors, architects and stock brokers are shown to have the highest rates attributed to high stress levels and long work hours. On the other hand, jobs such as pilots, students and retirees pay the least.
  • Extra add-on coverages are wasting money – There are many additional coverages that you can buy on your policy. Coverages for personal injury protection, towing coverage and motor club memberships may be costing you every month. They may seem good initially, but if you don’t need them eliminate them to save money.

Compare Quotes for New Castle Auto Insurance

All the larger auto insurance companies like Progressive, GEICO, Allstate and State Farm provide coverage prices on their websites. The process doesn’t take much effort as you just type in into a form. Once entered, the company’s rating system pulls your driving record and credit report and gives you a price quote. Online quotes makes comparing rates easy, but the time required to go to a lot of sites and type in the same information gets old quite quickly. But it’s absolutely necessary to compare as many rates as possible if you are searching for better prices.

An easier way to lower your auto insurance bill makes use of a single form to return rates from several different companies. The form is fast, reduces the work, and makes online price comparison much more enjoyable. After sending the form, it gets priced and you can choose any one of the resulting price money in New Castle Pennsylvania

If you find a better price you simply finish the application and purchase the new policy. This process can be completed in less than 10 minutes and you will find out if you’re overpaying now.

To find out what other companies charge, simply click here to open in new window and enter your information. To compare your current rates, we recommend you complete the form with the coverages identical to your current policy. Doing this guarantees you will get a fair comparison for the exact same coverage.

Discounts are available to cut your rates

Insuring your fleet can be pricey, but there are discounts available to reduce the price significantly. Most are applied at the time of purchase, but less common discounts must be requested specifically before they will apply. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Accident Waiver – Certain companies will allow you to have one accident before raising your premiums if your claims history is clear for a set time period.
  • Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • 55 and Retired – Older drivers may receive better auto insurance rates.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of more than 20%.
  • Homeowners Discount – Owning a home in New Castle can save you money because of the fact that having a home requires personal responsibility.
  • Driver’s Ed – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.
  • No Accidents – Drivers with accident-free driving histories pay less as compared to frequent claim filers.
  • Multiple Policy Discount – If you have multiple policies with one insurance company you may save at least 10% off all policies.
  • Distant Student – Children who attend school more than 100 miles from home and do not have a car may be able to be covered for less.

It’s important to note that some credits don’t apply the the whole policy. Most only cut the cost of specific coverages such as liability and collision coverage. So when it seems like adding up those discounts means a free policy, it just doesn’t work that way. Any amount of discount will bring down the amount you have to pay.

To see a list of insurance companies who offer auto insurance discounts in Pennsylvania, click this link.

Everyone needs different coverages

When buying the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions could help you determine if you will benefit from professional help.

  • Do I need medical payments coverage since I have good health insurance?
  • Exactly who is provided coverage by my policy?
  • What is the minimum liability in Pennsylvania?
  • Should I sign the liability waiver when renting a car?
  • Do I have coverage when pulling a U-Haul trailer?
  • Is business equipment covered while in my vehicle?
  • Does my personal policy cover me when driving my company car?
  • Do I need PIP (personal injury protection) coverage in Pennsylvania?
  • Should I have combined single limit or split liability limits?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

New Castle PA car insurance quote

Additional information can be found on the website for the Pennsylvania Insurance Department located here. Visitors are able to find out which companies have the most complaints, download brochures, read industry bulletins, and find disaster information.

Shop smart and save

We’ve covered some good ideas how to reduce auto insurance prices online. The key concept to understand is the more price quotes you have, the higher your chance of finding lower rates. You may even find the best price on auto insurance is with the least-expected company. Smaller companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm or Progressive.

As you prepare to switch companies, it’s very important that you do not skimp on coverage in order to save money. In too many instances, drivers have reduced uninsured motorist or liability limits only to regret at claim time that it was a big error on their part. The proper strategy is to find the BEST coverage at the best price.