Compare Scranton Car Insurance for the Lowest Rate With These Tips

Searching for cheap Scranton car insurance online is rather challenging for people who are new to comparing rates online. With so many companies in the marketplace, how can anyone possibly compare every company to locate the cheapest rates?

You should take the time to do rate comparisons quite often since rates are constantly changing. Even if you got the best deal last year you may be paying too much now. Forget all the misinformation about car insurance because you’re about to find out the tricks you need to know to buy cheaper car insurance.

Where Can I Get Cheap Scranton Car Insurance?

Most companies allow you to get price estimates online. Getting online rates is fairly straightforward as you simply type in your required coverages as detailed in the form. When complete, the company’s rating system makes automated requests for your driving record and credit report and returns a price quote based on these and other factors.

Online price quotes helps simplify price comparisons, but the time required to go to several different sites and enter the same data into a form can get tiresome after awhile. But it’s very important to get many rate quotes if you want to find the lowest price.

Quote rates the easy way

A quicker way to compare car insurance pricing is to use a quote form that gets price quotes from a bunch of companies at once. This type of form saves time, requires less work, and makes quoting online a little more enjoyable. Immediately after you send the form, it gets priced and you can choose any one of the price quotes you receive.

If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. The entire process only takes a few minutes and you will find out if you’re overpaying now.

To quickly find out what other companies charge, click here and submit the form. If you have a policy now, it’s recommended you type in the insurance coverages just like they are on your policy. This way, you will have an apples-to-apples comparison using the same coverage and limits.

Discounts are great for lower rates

Car insurance is not cheap, but discounts can save money and there are some available that many people don’t even know exist. Some discounts apply automatically when you quote, but some may not be applied and must be manually applied before you get the savings.

  • Military Rewards – Having a deployed family member could be rewarded with lower premiums.
  • New Vehicle Savings – Insuring a new car is cheaper compared to insuring an older model.
  • Good Students Pay Less – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
  • Federal Government Employee – Employees or retirees of the government can save as much as 8% with a few car insurance companies.
  • Multiple Vehicles – Having multiple vehicles with the same company may reduce the rate for each vehicle.
  • Accident Free – Drivers with accident-free driving histories can earn big discounts as compared to frequent claim filers.
  • Club Memberships – Being a member of a civic or occupational organization is a good way to get lower rates when shopping for car insurance.

Consumers should know that most discounts do not apply to the entire policy premium. Most only apply to individual premiums such as comp or med pay. Just because you may think all those discounts means the company will pay you, companies wouldn’t make money that way. Any qualifying discounts will cut your overall premium however.

Your insurance agent down the street

Some consumers prefer to visit with an insurance agent and that is OK! One of the best bonuses of price shopping on the web is that you can obtain lower rates but still work with a licensed agent. And providing support for local agencies is definitely important in Scranton.

Upon completion of this simple form, your coverage information is sent to participating agents in Scranton who will give you bids for your coverage. There is no need to visit any agencies since price quotes are sent immediately to your email address. How’s that for easy! You’ll get the best rates and an insurance agent to talk to.Pennsylvania insurance cheap

Captive agents vs. Independent agents

When searching for a good insurance agency, there are two types of agencies to choose from. Scranton agents can either be captive or independent.

Independent Agencies or Brokers

Independent agencies do not work for one specific company but instead can place your coverage with many different companies and potentially find a lower price. To move your coverage to a new company, they simply move the coverage in-house and you won’t have to switch agencies.

When comparison shopping, you should always contact several independent insurance agents to ensure the widest selection of prices. Many write coverage with different regional companies which can be an advantage.

Shown below is a short list of independent agencies in Scranton that may be able to provide rate quotes.

  • Paul Shedlauskas Insurance – – Scranton, PA 18504 – (570) 347-7285
  • State Farm Insurance Agency – 2261 Scranton Carbondale Hwy – Scranton, PA 18508 – (570) 344-2308
  • Gary Di Bileo Agency – 302 S Main Ave – Scranton, PA 18504 – (570) 969-1855
  • Mc Grath Insurance – 316 Meadow Ave – Scranton, PA 18505 – (570) 344-2500
Captive Agents

Captive agents are contracted to one company and some examples include State Farm, Allstate and AAA. They generally cannot compare other company’s rates so they are skilled at selling on more than just price. They are usually quite knowledgeable in insurance sales which helps them compete with independent agents. Consumers frequently buy from captive agents primarily because of high brand loyalty and solid financial strength.

Shown below are captive agents in Scranton that are able to give rate quotes.

  • Allstate Insurance – 505 Scranton Carbondale Hwy – Scranton, PA 18508 – (570) 343-5811
  • State Farm Insurance Agency – 2261 Scranton Carbondale Hwy – Scranton, PA 18508 – (570) 344-2308

To view a complete directory of captive insurance agents in Scranton, click here to link.

Choosing an auto insurance agent needs to be determined by more than just a low price. Agents should be asked these questions:

  • Is vehicle damage repaired with OEM or aftermarket parts?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • Which insurance companies are they affiliated with?
  • How long has their agency been open in Scranton?
  • Is working in the agency their full-time job?
  • Will your rates increase after a single accident?

Upon receiving good answers to any questions you have in addition to an acceptable price estimate, you have narrowed it down to a car insurance agent that meets your needs to adequately provide car insurance.

Insurance agents can help

When it comes to choosing the best car insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Each situation is unique.

These are some specific questions may help you determine if your situation would benefit from an agent’s advice.

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  • Which companies will insure high-risk drivers?
  • Should I file a claim if it’s only slightly more than my deductible?
  • When do I need to add a new car to my policy?
  • How much liability do I need to cover my assets?
  • What is the minimum liability in Pennsylvania?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Am I covered when driving someone else’s vehicle?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Scranton Rates are Influenced by These Factors

Smart consumers have a good feel for the rating factors that help determine car insurance rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

  • Clean credit earns discounts – A driver’s credit score is a big factor in determining your rates. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers who have lower credit ratings. So if your credit history is low, you could save money insuring your by improving your rating.
  • Discounts for multiple policies – Most companies will award you with lower prices to customers who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, it’s in your best interest to compare other company rates to make sure you are getting the best deal. You may still be able to find better rates by splitting coverages up.
  • Lower rates come with age – Teen drivers in Pennsylvania are statistically proven to be less responsible behind the wheel so car insurance rates are higher. Adding a young driver onto a policy can be quite pricey. Older drivers tend to be more responsible, file fewer claims and receive fewer citations.
  • Proper usage rating affects rates – Driving more miles in a year’s time the higher your rates will be. Most insurance companies rate vehicles based upon how you use the vehicle. Autos not used for work or commuting qualify for better rates than those used for commuting. Ask your agent if your car insurance coverage properly reflects the proper vehicle usage.

Better coverage you can count on

Cheaper car insurance is available both online and with local Scranton insurance agents, and you should be comparing both to have the best chance of lowering rates. Some companies do not offer online price quotes and many times these small insurance companies only sell through independent insurance agents.

Insureds who switch companies do it for a variety of reasons including not issuing a premium refund, delays in responding to claim requests, poor customer service or even high prices. Regardless of your reason for switching companies, finding a new car insurance company can be less work than you think.

When trying to cut insurance costs, you should never buy lower coverage limits just to save a few bucks. In many instances, an insured cut comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to buy enough coverage at a price you can afford while not skimping on critical coverages.

Online resources for education

More information is located on the Pennsylvania Insurance Department website through this link. Consumers can discover disciplinary actions, read enforcement actions against agents and companies, and view a list of available companies.