Uncover Rock Solid Methods to Save on Hermitage, PA Auto Insurance

Feel like you’re a prisoner to an overpriced auto insurance policy? Believe me, you’re not the only one.

Having so many insurance providers from which to choose, it’s difficult to locate the most affordable company.

It’s a good idea to check auto insurance prices every six months since rates are adjusted regularly by insurance companies. Even if you think you had the best rates last year a different company probably has better rates today. Ignore everything you know about auto insurance because you’re about to learn the things you must know in order to buy cheaper auto insurance.

Hermitage Rates are Influenced by These Factors

It’s important that you understand the factors that come into play when calculating auto insurance rates. Knowing what impacts premium levels helps enable you to make changes that could result in lower auto insurance prices.

The list below includes a partial list of the pieces that factor into premiums.

  • Pleasure use saves money – The more you drive in a year the more you’ll pay to insure your vehicle. Most insurance companies charge to insure your cars based upon how you use the vehicle. Vehicles that are left in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Verify your auto insurance policy properly reflects the correct driver usage.
  • A lapse in coverage is a bad thing – Driving your car without having proper coverage is illegal and you will pay a penalty because you let your insurance lapse. And not only will insurance be more expensive, getting caught without coverage will get you a steep fine or even jail time.
  • The type of vehicle makes a difference – The performance level of the car you own makes a significant difference in determining your rates. The lowest base rates tend to be for low performance passenger cars, but there are many factors that impact the final cost.
  • Better crash test results mean better rates – Cars with high safety ratings get lower rates. Safe vehicles protect occupants better and lower injury rates translates into savings for insurance companies and more competitive rates for policyholders.

Are you getting all your discounts?

Car insurance is not cheap, but discounts can save money and there are some available to help bring down the price. Most are applied at the time of quoting, but a few need to be asked about before being credited.

  • Claim Free – Drivers with accident-free driving histories pay less compared to frequent claim filers.
  • Life Insurance Discount – Larger companies have a break if you buy auto and life insurance together.
  • Multiple Vehicles – Having multiple vehicles on the same auto insurance policy could earn a price break for each car.
  • Seat Belts Save – Drivers who require all occupants to wear their seat belts could save 15% off your medical payments premium.
  • Sign Online – A few companies may give you up to $50 simply for signing online.

It’s important to note that some of the credits will not apply to the overall cost of the policy. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like you could get a free auto insurance policy, it just doesn’t work that way. Any amount of discount will help reduce your premiums.

Additional information can be read on the website for the Pennsylvania Insurance Department located here. Pennsylvania drivers can find a variety of consumer forms, get help finding coverage, file complaints about an insurance agent or broker, and download brochures.

Car insurance in Hermitage

Quote often and quote early

In this article, we covered some good ideas how you can compare auto insurance prices online. The key concept to understand is the more rate comparisons you have, the higher your chance of finding lower rates. You may even find the biggest savings come from a smaller regional carrier. Regional companies may only write in your state and offer lower rates than their larger competitors like Allstate, GEICO and Progressive.

While you’re price shopping online, you should never buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed comprehensive coverage or liability limits and found out when filing a claim that it was a big error on their part. Your focus should be to buy the best coverage you can find at a price you can afford while still protecting your assets.