Proven Strategies for Buying Harrisburg Pennsylvania Car Insurance for Less Money

People who are new to price shopping insurance online may find purchasing low-cost Harrisburg car insurance nearly impossible.

Smart consumers take time to compare rates periodically because insurance rates change quite often. If you had the best price six months ago there is a good chance you can find better rates now. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to how to use the internet to reduce your cost while improving coverage.

If you have car insurance now, you will be able to save some money using these tips. This article will tell you how to effectively get price quotes and some tips to save money. But Pennsylvania car owners can benefit by having an understanding of how big insurance companies sell insurance online and use this information to your advantage.

Free Quotes for Car Insurance in Harrisburg, Pennsylvania

There are several ways to compare car insurance quotes, but there is one way that is more efficient than others. You can waste hours discussing policy coverages with local insurance agents in Harrisburg, or you could use online quotes to get rate comparisons in just a few minutes.

Many popular insurance companies are enrolled in a marketplace that allows shoppers to enter their coverage request one time, and each participating company returns a rated price based on the submitted data. This prevents consumers from doing form submissions for each company. To fill out one form to compare multiple rates now click to open in new window.

The one downside to using this type of system is you are unable to specify which companies to get pricing from. If you prefer to choose individual companies to request quotes from, we have a listing of companies who write car insurance in Pennsylvania. Click to view list.

It’s your choice how you get your quotes, but double check that you are using identical coverage information for each comparison quote. If your comparisons have higher or lower deductibles it will be very difficult to find the best deal in Harrisburg. Slightly different insurance coverages can result in a big premium difference. And when price shopping your coverage, more quotes will increase your chances of finding a better price.

Save money by taking advantage of these discounts

Companies that sell car insurance don’t always list every available discount in an easy-to-find place, so we researched both the well known and the harder-to-find ways to save on car insurance.

  • Auto/Home Discount – When you combine your home and auto insurance with the same company you will save 10% to 20% off each policy.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • Good Student Discount – Performing well in school can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Resident Student – Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Discount for Life Insurance – Select insurance companies reward you with better rates if you take out auto and life insurance together.
  • Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course in high school.
  • Defensive Driving Course – Completing a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
  • Accident Free – Good drivers with no accidents pay much less compared to frequent claim filers.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. Most cut individual premiums such as liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, you’re out of luck.

save money in Harrisburg Pennsylvania

Additional consumer information websites

More detailed Pennsylvania car insurance information can be found at the Pennsylvania Insurance Department website. Pennsylvania consumers can find out which companies have the most complaints, read state legal mandates and laws, find out industry alerts, and find disaster information.

Other useful links include’s auto insurance page and this page where you can research Harrisburg insurance agents.