Proven Strategies for Cheaper Reading Pennsylvania Car Insurance

Finding the best price on Reading car insurance can be a challenge if you are a beginner to online quoting. But relax because there is an easy way to compare rates.

Vehicle Insurance Comparison

Shopping for lower car insurance rates can be a daunting task if you aren’t aware of the most efficient way. You can waste a few hours (or days) talking about coverages with agents in Reading, or you can stay home and use the internet to quickly compare rates.

All the larger companies enroll in a system where insurance shoppers enter their policy data once, and each participating company then gives them pricing for coverage. This saves time by eliminating quote requests to each individual car insurance company. To participate in this free quote system, click here to start a free quote.

One minor caviat to getting quotes like this is buyers cannot specifically choose which carriers to get pricing from. So if you want to select from a list of companies to request quotes from, we put together a list of the cheapest car insurance companies in Pennsylvania. Click here to view list.

It’s up to you which method you use, but make sure you use exactly the same coverages for every quote you compare. If you have different values for each quote it’s impossible to determine which rate is truly the best in Reading. Having just a slight variation in coverage limits can result in a big premium difference. And when comparison shopping, quoting more will improve the odds of getting a better price.

Be sure to get all your discounts

The price of auto insurance can be rather high, but companies offer discounts that can drop the cost substantially. Certain discounts will be applied when you get a quote, but a few need to be requested specifically prior to getting the savings.

  • Accident Waiver – Certain companies will allow you to have one accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
  • Discount for Good Grades – Getting good grades can save 20 to 25%. The discount lasts until age 25.
  • Service Members Pay Less – Being on active duty in the military can result in better rates.
  • College Student – Any of your kids who live away from home and do not have a car can be insured at a reduced rate.
  • Low Mileage Discounts – Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
  • Defensive Driver – Completing a driver safety course can save you 5% or more if your company offers it.
  • Paperless Signup – Certain companies give back up to $50 just for signing your application over the internet.
  • Early Switch Discount – Some companies give discounts for switching to them before your current expiration date. It’s a savings of about 10%.
  • Safe Drivers – Safe drivers can get discounts for up to 45% lower rates than drivers with accident claims.
  • Life Insurance Discount – Select insurance companies reward you with better rates if you take out auto and life insurance together.

It’s important to understand that most discounts do not apply to the overall cost of the policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, it just doesn’t work that way. But all discounts will cut the cost of coverage.

To see a list of companies who offer car insurance discounts in Reading, follow this link.

More Pennsylvania car insurance information

Much more information about car insurance in Pennsylvania is located on the Pennsylvania Insurance Department website located here. Visitors are able to report car insurance fraud, file complaints about a company, and read enforcement actions against agents and companies.

Other informative sites include this page for Pennsylvania car insurance and this page where you can also get Reading car insurance quotes.