Learn How to Compare Meadville, PA Auto Insurance Like an Expert

Have you fallen victim to high-priced auto insurance? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out.

You have multiple insurers to choose from, and though it is a good thing to have a selection, having more insurers makes it harder to compare rates and find the lowest cost auto insurance.

It’s a good idea to shop coverage around once or twice a year due to the fact that insurance rates are rarely the same from one policy term to another. Just because you had the best rates six months ago a different company probably has better rates today. So block out anything you think you know about auto insurance because we’re going to show you the quickest way to lower your annual insurance bill.

Choosing the best insurance company for you in Meadville is easy if you know what you’re doing. Just about every driver who is shopping for auto insurance will more than likely be able to save money. Nevertheless, Pennsylvania car owners do need to know the way companies market insurance on the web and use this information to your advantage.

Discounts are available to cut your rates

Companies that sell car insurance don’t necessarily list all their discounts very clearly, so we took the time to find both the well known and also the lesser-known discounts you could be receiving.

  • Safe Drivers – Drivers who avoid accidents can pay as much as 50% less than their less cautious counterparts.
  • Fewer Miles Equal More Savings – Fewer annual miles could be rewarded with better rates on cars that stay parked.
  • Government Employees – Being employed by or retired from a federal job can save as much as 8% with select insurance companies.
  • Military Discounts – Being on active duty in the military may qualify for rate reductions.
  • Bundle and Save – When you have multiple policies with the same insurance company you may save at least 10% off all policies.

It’s important to understand that most credits do not apply to all coverage premiums. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, it doesn’t quite work that way.

For a list of insurance companies who offer auto insurance discounts in Pennsylvania, follow this link.

Tips to Get Lower Meadville Rates

Smart consumers have a good feel for the rating factors that go into determining auto insurance rates. Knowing what controls the rates you pay allows you to make educated decisions that can help you get much lower annual insurance costs.Meadville Pennsylvania car insurance

  • Liability coverage is peace of mind – Liability coverage will protect you when a jury decides you are liable for personal injury or accident damage. It will provide for a legal defense which can cost thousands of dollars. Liability insurance is quite affordable when compared with rates for comp and collision, so buy as much as you can afford.
  • Rates may be higher depending on your occupation – Occupations such as judges, executives and accountants are shown to have higher rates than average in part from high stress and lengthy work days. On the flip side, jobs such as actors, athletes and retirees pay the least.
  • More claims means more premium – Car insurance companies in Pennsylvania generally give discounts to drivers who are claim-free. If you tend to file frequent claims, you can look forward to higher rates. Your insurance policy is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • More people means more accidents – Choosing to live in small towns and rural areas can save you money when buying auto insurance. Less people living in that area means fewer accidents as well as less vandalism and auto theft. Drivers in populated Pennsylvania areas tend to have traffic congestion and longer commute times. Longer commute distances translates into higher accident risk.

What if I want to buy from a local Meadville agent?

Certain consumers prefer to buy from a local agent and that is just fine! The biggest benefit of getting online price quotes is you may find the best rates but still work with a licensed agent.

To make it easy to find an agent, after completing this simple form, the coverage information is sent to participating agents in Meadville who will return price quotes for your coverage. You never need to drive around as quotes are delivered directly to your email. Now that’s easy! You can find the lowest rates and a licensed agent to work with.

Picking an insurer shouldn’t rely on just a low price. Ask your prospective agent these questions:

  • Are they properly licensed to sell insurance in Pennsylvania?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Which insurance companies are they affiliated with?
  • What insurance company do they write the most business with?
  • If you have an accident, will your rates go up?
  • If they are an independent agency, which companies do they recommend?

Shown below is a list of insurers in Meadville that may be able to provide comparison quotes.

State Farm Insurance – 16709 Conneaut Lake Rd, Meadville, PA 16335 – (814) 724-1028
Sandra J Kurt Insurance – 1107 Park Ave, Meadville, PA 16335 – (814) 724-3146
Richard Pitts Agency – 800 N Main St, Meadville, PA 16335 – (814) 337-8222
Allstate Insurance – 16271 Conneaut Lake Rd # 103, Meadville, PA 16335 – (814) 337-5107
Schwab Insurance – 859 Park Ave, Meadville, PA 16335 – (814) 724-4502

Once you have received reasonable responses to all your questions and a good coverage price, you have narrowed it down to an provider that will insure your vehicles.

The auto insurance bait and switch

Auto insurance companies such as Allstate, GEICO and Progressive continually stream ads on television and other media. They all seem to say the same thing about savings after switching to them. How does each company make almost identical claims? This is how they do it.

Meadville Pennsylvania car insurance

Different companies have a certain “appetite” for the driver that is profitable for them. For example, a preferred risk could be between 25 and 40, has no tickets, and has excellent credit. A propective insured who fits that profile is entitled to the best price and is almost guaranteed to save quite a bit of money when switching.

Drivers who do not match these standards will be charged higher premiums which leads to business not being written. The ads say “drivers who switch” not “people who quote” save money. That’s the way companies can advertise the way they do. That is why you absolutely need to get as many comparisons as possible. It’s not possible to predict which company will provide you with the cheapest rates.

Additional Pennsylvania car insurance resources

Even more information can be found at the Pennsylvania Insurance Department website. Visitors are able to file complaints about an insurance agent or broker, get help finding coverage, report car insurance fraud, and find out which companies have the most complaints.

In conclusion

As you go through the steps to switch your coverage, don’t be tempted to skimp on critical coverages to save a buck or two. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits only to regret at claim time that the few dollars in savings costed them thousands. The proper strategy is to find the BEST coverage for the lowest price while not skimping on critical coverages.

Low-cost auto insurance is possible from both online companies as well as from independent agents in Meadville, so compare prices from both to have the best rate selection. A few companies don’t offer online quoting and these small, regional companies work with independent agents.