Professional Tips to Saving Money on Bloomsburg, PA Car Insurance

Searching for affordable Bloomsburg car insurance on the web is rather challenging for consumers new to online price comaprisons. With a ridiculous number of insurance companies available, how can consumers possibly compare them all to find the lowest price?

Quick Bloomsburg Car Insurance Quotes

All the larger car insurance companies give coverage price quotes directly from their websites. This process is quite simple as you just enter the amount of coverage you want into the quote form. After the form is submitted, their rating system makes automated requests for your credit score and driving record and returns a price quote.

Online price quotes makes it a lot easier to compare rates but having to visit many different websites and enter the same data into a form is repetitive and time-consuming. Unfortunately, it is important to perform this step in order to find the best price on car insurance.

Compare rates the easy way

A quicker way to compare car insurance pricing makes use of a single form that gets price quotes from a lot of companies. It’s a real time-saver, requires less work, and makes online quotes a little more enjoyable. As soon as you send your information, your coverage is rated and you can select any or none of the resulting price quotes. If a lower price is quoted, you can simply submit the application and purchase coverage. This process takes just a few minutes to complete and you will find out if you’re overpaying now.

To quickly fill out one form to compare multiple rates now, click here and submit the form. If you currently have coverage, we recommend you enter the insurance coverages as close as possible to your current policy. Doing this assures you will have an apples-to-apples comparison for the exact same coverage.

Lower rates by qualifying for discounts

Companies that sell car insurance don’t always list all their discounts very well, so we researched both well-publicized and the more hidden car insurance savings.

  • Drivers Ed for Students – Have your child take driver’s ed class in school.
  • Club Memberships – Affiliation with a civic or occupational organization could trigger savings on car insurance.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy could earn a price break for each car.
  • Early Signing – Some insurance companies reward drivers for signing up prior to your current policy expiration. This can save 10% or more.
  • Auto/Home Discount – When you combine your home and auto insurance with the same insurance company you could get a discount of 10% to 20% off each policy.
  • Good Students Pay Less – Getting good grades can earn a discount of 20% or more. The good student discount can last up to age 25.

Consumers should know that many deductions do not apply to all coverage premiums. Most cut individual premiums such as comp or med pay. Just because you may think having all the discounts means you get insurance for free, car insurance companies aren’t that generous.

To choose insurers with the best car insurance discounts in Pennsylvania, follow this link.

Make smart decisions and save

It’s important that you understand the factors that play a part in calculating the price you pay for car insurance. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that could result in big savings.

  • High performance equals high price – The type of car you drive makes a big difference in your rates. Economy passenger cars receive the most favorable rates, but other factors influence the final cost greatly.
  • A clean driving record saves money – Whether or not you get tickets has a big impact on rates. Drivers with clean records get better rates than bad drivers. Even a single moving violation may increase your cost by twenty percent. Drivers with serious tickets like hit and run, DWI or reckless driving convictions are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.
  • Drive a safer car and pay less – Safer cars tend to have better insurance rates. Safer cars have better occupant injury protection and fewer injuries means lower claim amounts and lower rates for you.
  • Save money with special equipment – Owning a car with a theft deterrent system can help lower your rates. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft.
  • Extra coverages can waste money – There are many extra bells and whistles that you can buy if you aren’t careful. Coverages for vanishing deductibles, towing coverage and motor club memberships are examples of these. They may seem good at first, but if you don’t need them eliminate them to save money.
  • Your age impacts your rates – More mature drivers are more responsible, statistically cause fewer accidents and are safer drivers. Teen drivers tend to be careless and easily distracted when driving and because of this, their car insurance rates are much higher.

But I want to work with a local agent

Some consumers would rather get advice from a local agent and that is just fine! The biggest benefit of comparing rates online is you can get lower rates but still work with a licensed money concept

To help locate an agent, after submitting this quick form, your insurance coverage information is instantly submitted to insurance agents in Bloomsburg who will compete for your insurance coverage. There is no need to leave your computer since price quotes are sent immediately to your email address. Now that’s easy! You can find the lowest rates AND an agent nearby.

Selecting an provider requires more thought than just the price. These questions are important to ask:

  • If your car is totalled, how to they determine the replacement cost?
  • Who are their largest clients?
  • If you have an accident, will your rates go up?
  • Which company do they place the most coverage with?
  • How much will you save each year by using a higher deductible?
  • Do they assist clients in filing claims?
  • Is assistance available after office hours?
  • Do the companies they represent have a solid financial rating?

Independent or Captive: It’s your choice

When searching for a reputable insurance agent or broker, you need to know there are two types of agencies from which to choose. Agencies in Bloomsburg are either independent (non-captive) or captive.

Captive Insurance Agents

This type of agents can only write with one company like Farmers Insurance or State Farm. Captives cannot compare other company’s rates so it’s a take it or leave it situation. Captive agents are very knowledgeable on the products they sell and that can be a competitive advantage. Some consumers prefer to buy from captive agents partially due to loyalty to the company and solid financial strength.

Below are captive insurance agencies in Bloomsburg that are able to give price quote information.

  • State Farm Insurance – 1040 Market St – Bloomsburg, PA 17815 – (570) 784-2399
  • Allstate Insurance – 2701 Columbia Blvd # B – Bloomsburg, PA 17815 – (570) 387-9775
Independent Agents (or Brokers)

Independent agencies are not required to write business for one company so they can insure your vehicles with many different companies depending on which coverage is best. To transfer your coverage to a different company, they simply move the coverage in-house and you don’t have to find a new agent.

When shopping rates, it’s a good idea to contact several independent insurance agents to get the best comparison. They often place coverage with smaller companies which can save you money.

The following is a short list of independent insurance agencies in Bloomsburg that can give you price quote information.

  • Bachman Insurance – 7005 Columbia Blvd – Bloomsburg, PA 17815 – (570) 752-3280
  • Hutchison Insurance Inc – 445 Market St – Bloomsburg, PA 17815 – (570) 784-5550

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

Once you have received satisfactory answers and an affordable coverage quote, most likely you have located an insurance agency that can properly service your car insurance policy.

Additional detailed information is available at the Pennsylvania Insurance Department website. Pennsylvania drivers can download brochures, read consumer alerts, and find out industry alerts.

insurance quote Bloomsburg

Slick advertising tricks that work

Car insurance providers like State Farm and Allstate constantly bombard you with ads on TV and radio. They all make the same claim of big savings if you switch to their company. How does each company make the same claim? This is how they do it.

All companies can use profiling for the type of driver that makes them money. For instance, a driver they prefer could possibly be over the age of 40, a clean driving record, and drives less than 10,000 miles a year. Any new insured who matches those parameters receives the best rates and is almost guaranteed to save when switching.

Potential insureds who don’t qualify for this ideal profile must pay more money and this can result in the driver buying from a lower-cost company. The ads state “customers that switch” not “everybody who quotes” save that much money. That’s why companies can truthfully advertise the way they do. This illustrates why drivers should compare as many rates as you can. It’s impossible to know which car insurance company will give you the biggest savings.

A little work can save a LOT of money

Cheaper car insurance can be purchased online and with local Bloomsburg insurance agents, so you should compare both to have the best rate selection. Some insurance companies do not offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

We just covered some good ideas how to lower your car insurance rates. The most important thing to understand is the more companies you get rates for, the higher the chance of saving money. You may be surprised to find that the best prices are with some of the lesser-known companies.

When shopping online for car insurance, never buy less coverage just to save a little money. In many cases, an insured cut liability coverage limits only to regret that the small savings ended up costing them much more. The proper strategy is to purchase a proper amount of coverage at the best price while still protecting your assets.