Secret Techniques for Buying Bethlehem, PA Car Insurance for the Lowest Rate

Sick and tired of paying out the nose each month for car insurance? You are no different than the majority of other car owners in Pennsylvania. Many insurers compete for your business, so it’s not easy to compare every company to discover the definitive cheapest price

If you have a current car insurance policy or are looking for a new policy, you will benefit by learning to reduce the price you pay while maintaining coverages. Finding the best rates in Bethlehem is not that difficult. Pennsylvania vehicle owners only need an understanding of the proper methods to shop their coverage around over the internet.

Make smart decisions and save

Consumers need to have an understanding of some of the elements that play a part in calculating the price you pay for car insurance. When you know what positively or negatively controls the rates you pay helps enable you to make changes that may reward you with lower car insurance prices.

Shown below are a partial list of the pieces that factor into rates.

  • Sex matters – The statistics show that men are more aggressive behind the wheel. Now that doesn’t mean women are better drivers. Women and men are in accidents at about the same rate, but the men tend to have more serious accidents. Men also statistically get cited for more serious violations like DUI and reckless driving.
  • Marriage pays dividends – Having a wife or husband can actually save you money on car insurance. It usually means you are more mature and responsible it has been statistically shown that married couples file fewer claims.
  • Older drivers pay less – Youthful drivers in Pennsylvania are known to be less responsible in a vehicle so car insurance rates are higher. Mature drivers tend to be more responsible, file fewer claims and receive fewer citations.
  • Claim-free discounts can add up – Insurance companies in Pennsylvania give better rates to policyholders who do not file claims often. If you frequently file small claims, you can look forward to higher rates. Car insurance is designed for major claims that would cause financial hardship.
  • Don’t skimp on liability – Liability coverage will protect you if ever you are found liable for personal injury or accident damage. Liability provides you with a defense in court which can be incredibly expensive. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should carry high limits.
  • Your car insurance rates can be influenced by your job – Occupations such as real estate brokers, architects and accountants are shown to have higher rates than average in part from high stress and long work days. On the flip side, jobs such as pilots, athletes and the unemployed pay the least.
  • Multiple policies with one company can save – Most companies will award you with lower prices to people who carry more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, you still need to shop around to make sure you are getting the best deal.

Policy discounts you shouldn’t miss

Car insurance companies do not advertise all available discounts in an easy-to-find place, so the following is a list of both the well known and the more hidden car insurance savings. If they aren’t giving you every credit possible, you are throwing money away.

  • Save with a New Car – Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.
  • Multiple Vehicles – Insuring multiple vehicles on one policy may reduce the rate for each vehicle.
  • No Claims – Good drivers with no accidents can save substantially when compared with frequent claim filers.
  • Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% depending on your company.
  • Distant Student – Kids in college living away from home attending college and do not have a car may be able to be covered for less.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like comp or med pay. So despite the fact that it appears you would end up receiving a 100% discount, you’re out of luck.

To choose providers who offer car insurance discounts in Pennsylvania, click here.

Ads can be misleading

Consumers constantly see and hear ads for cheaper car insurance from companies such as State Farm, Allstate and GEICO. All the companies have a common claim of big savings after switching your policy.

How does each company make the same claim? This is how they do it.

Different companies are able to cherry pick for the right customer that is profitable for them. For instance, a profitable customer could possibly be over the age of 50, has no prior claims, and has excellent credit. Any new insured who matches those parameters gets the lowest rates and is almost guaranteed to save when switching.

Potential insureds who do not match this ideal profile will have to pay higher rates which usually ends up with the driver buying from a lower-cost company. The ads state “people who switch” not “everyone that quotes” save that kind of money. That’s why companies can claim big savings. Because of the profiling, you should compare as many rates as you can. It is impossible to predict the company that will fit your personal profile best.

save money in Bethlehem Pennsylvania

To learn even more about car insurance

Additional detailed information can be found at the Pennsylvania Insurance Department website. Pennsylvania drivers can find disaster information, view agent and company licensing information, read consumer alerts, and view a list of available companies.

What is YOUR best insurance company?

Throughout this article, we presented a lot of information how to compare car insurance prices online. The key concept to understand is the more quotes you get, the higher your chance of finding lower rates. Drivers may discover the biggest savings come from an unexpected company. These smaller insurers often have lower prices on specific markets than their larger competitors like GEICO and State Farm.

When trying to cut insurance costs, it’s not a good idea to buy less coverage just to save a little money. In many instances, consumers will sacrifice comprehensive coverage or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.