Easy Ways to Pay Less on Easton Auto Insurance

Finding affordable Easton auto insurance can seem to be nearly impossible for beginners to comparing rates online. People have so many options available that it can be a ton of work to find the best price in Easton.

If you have a policy now or need new coverage, you can use these techniques to reduce the price you pay while maintaining coverages. Shopping for the cheapest auto insurance in Easton is not that difficult. Pennsylvania drivers just need to know the proper way to get comparison rates online.

Don’t miss these discounts

Companies don’t always advertise all their discounts in a way that’s easy to find, so here is a list some of the more common and also the lesser-known ways to save on auto insurance. If you aren’t receiving every discount available, you are throwing money away.

  • Auto/Home Discount – When you combine your home and auto insurance with one company you may save at least 10% off all policies.
  • Drivers Ed for Students – Have your child enroll in driver’s education in school.
  • Multiple Vehicles – Insuring multiple vehicles on one policy qualifies for this discount.
  • Life Insurance Discount – Some companies give a discount if you purchase life insurance from them.
  • Driver Safety – Taking a defensive driving course could save 5% or more if your company offers it.
  • No Claims – Claim-free drivers pay much less compared to frequent claim filers.

Keep in mind that most discount credits are not given to the overall cost of the policy. Most only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, companies don’t profit that way.

To choose providers offering auto insurance discounts in Easton, follow this link.

Components of your insurance rates

An important part of buying insurance is that you know the factors that help determine the price you pay for auto insurance. Understanding what influences your rates allows you to make educated decisions that can help you get big savings.

  • With age comes lower rates – Older drivers tend to be more responsible, file fewer claims and receive fewer citations. Teenage drivers have a tendency to be less responsible behind the wheel and because of this, their auto insurance rates are much higher.
  • High credit ratings translate to low rates – Your credit score is a important factor in your rate calculation. So if your credit is lower than you’d like, you could pay less to insure your by spending a little time repairing your credit. Drivers with high credit scores tend to file fewer claims and have better driving records as compared to drivers with poor credit.
  • Careful drivers pay lower rates – A bad driving record has a lot to do with how much you pay for insurance. Even one moving violation may increase your cost by as much as thirty percent. Drivers with clean records receive lower rates than bad drivers. If you have serious violations like hit and run, DWI or reckless driving convictions may find they need to file a SR-22 with their state DMV in order to continue driving.
  • Is your vehicle built for speed? – The performance of the vehicle you drive makes a huge difference in determining your rates. Low performance passenger vehicles generally have the cheapest insurance rates, but other factors influence the final cost greatly.
  • Males pay more for insurance – Statistics have proven women are more cautious behind the wheel. Now that doesn’t mean men are worse drivers. They both have accidents in similar percentages, but the males tend to have more serious accidents. They also get more serious tickets such as reckless driving.
  • Don’t cancel a policy without a new one in place – Having an insurance coverage lapse will be a quick way to increase your auto insurance rates. Not only will you pay more, but being ticketed for driving with no insurance can result in a license revocation or jail time.Then you may be required to submit proof of financial responsibility or a SR-22 with the Pennsylvania DMV.
  • Frequent auto insurance claims increase rates – If you frequently file small claims, you can look forward to either higher rates or even cancellation. Insurance companies in Pennsylvania generally give better rates to insureds who do not rely on their insurance for small claims. Car insurance is intended for larger claims.
  • Increase deductibles and save – Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some examples of claims that would be covered are running into the backend of another car, damage caused by hail, and windstorm damage. Deductibles for physical damage are the amount of money you are required to spend before a claim is paid by your company. The more expense the insured has to pay upfront, the less your auto insurance will be.

Buying car insurance locally

A small number of people just want to sit down with an agent. Educated insurance agents can answer important questions and help file insurance claims. One of the best bonuses of getting online price quotes is you can get the lowest rates but also keep your business local.

To make it easy to find an agent, after completing this form (opens in new window), your coverage information gets sent to local insurance agents who will give you bids to get your business. You don’t have to drive around because quoted prices will be sent straight to your inbox. How’s that for easy!

Picking an insurance company needs to be determined by more than just the price. Agents should be asked these questions:

  • Who is covered by the car insurance policy?
  • Do the companies they represent have a solid financial rating?
  • If you are a high risk driver, do they have special markets for your coverage?
  • Is their price quote a firm figure or are their hidden costs?
  • Are they able to influence company decisions when a claim is filed?

Types of insurance agencies in Easton

When finding a reliable agent, there are a couple of different types of agents that you can select. Agents are categorized either independent or captive. Both properly insure your vehicles, but it’s important to know how they differ because it can influence the type of agent you chooseEaston Pennsylvania car insurance prices

Captive Insurance Agents

Captive agents are contracted to one company such as Liberty Mutual, Allstate, Farmers Insurance or State Farm. These agents are not able to give you multiple price quotes so they are skilled at selling on more than just price. Captive agents are well schooled on the products they sell which helps them compete with independent agents. Consumers frequently purchase coverage from captives mostly because of loyalty to the company and strong financial ratings.

Listed below is a short list of captive insurance agents in Easton who can help you get price quote information.

  • Allstate Insurance – 2925 William Penn Hwy # 101 – Easton, PA 18045 – (610) 250-8690
Independent Agents (or Brokers)

Independent agencies are not locked into one company so they have the ability to put coverage with any number of different companies depending on which coverage is best. If you are not satisfied with one company, the business is moved internally and you don’t have to find a new agent. When comparing rates, you should always include price quotes from several independent insurance agents for maximum quote selection. Most have the option of insuring with smaller companies which may provide better rates.

The following is a short list of independent agents in Easton who can help you get price quote information.

  • Curzi Insurance – 2020 Sullivan Trl – Easton, PA 18040 – (610) 258-6200
  • Mearhoff Insurance Inc – 3101 Freemansburg Ave – Easton, PA 18045 – (610) 258-0814
  • Cooke Agency – 606 Stones Crossing Rd – Easton, PA 18045 – (610) 258-9675

For a complete listing of licensed insurance agents in Easton, please view this page.

Upon getting positive feedback to your questions as well as a affordable price, most likely you have located an insurance agent that can properly insure your vehicles.

Auto insurance myths debunked

Pennsylvania drivers get pounded daily by advertisements for car insurance savings by State Farm, Allstate and GEICO. All the ads have a common claim that you’ll save big if you move to their company.

How can each company say the same thing? This is how they do it.

Different companies can use profiling for the type of driver that makes them money. For instance, a profitable customer could be between 30 and 50, has no tickets, and drives less than 10,000 miles a year. A driver who meets those qualifications is entitled to the best price and most likely will cut their rates substantially.

Potential customers who don’t qualify for the “perfect” profile will be charged a higher premium and this can result in the driver buying from a lower-cost company. Company advertisements say “drivers who switch” not “people who quote” save money. This is how insurance companies can state the savings. That is why you need to get as many quotes as possible. It’s just too difficult to predict which company will provide you with the cheapest rates.

Easton Pennsylvania car insurance prices

More sites with auto insurance information

More detailed Pennsylvania auto insurance information can be found at the Pennsylvania Insurance Department website. Consumers can read consumer alerts, learn about specific coverages, get help finding coverage, and file complaints about a company.

Other informative sites include NAIC.org’s Understanding your Policy and this link where you can make Easton auto insurance comparisons.

Better coverage you can count on

When buying insurance coverage, you should never buy less coverage just to save a little money. There have been many cases where an insured cut uninsured motorist or liability limits to discover at claim time that they should have had better coverage. The ultimate goal is to purchase plenty of coverage at an affordable rate.

Insureds change insurance companies for many reasons like denial of a claim, delays in responding to claim requests, questionable increases in premium or even an unsatisfactory settlement offer. Regardless of your reason, finding a new company is not as hard as you think.

Throughout this article, we presented some good ideas how you can shop for auto insurance online. It’s most important to understand that the more you quote, the better your chances of lowering your rates. Consumers could even find that the lowest priced auto insurance comes from a smaller regional carrier.