Car Insurance in Monongahela Pennsylvania – 9 Tips to Save Money

Purchasing budget-priced Monongahela car insurance on the web is impossible for price shopping online. With such a large number of insurers available, how are we expected to have time to compare each option to find the best available rates?

There are a variety of methods to shop for car insurance, but there is one way that is less labor-intensive and much quicker. You can waste a lot of time driving to insurance companies in Monongahela, or you can utilize online quotes to quickly compare rates.

Most of the best insurance companies enroll in a system that enables customers to send in one quote, and each participating company returns a competitive quote determined by their information. This system prevents you from having to do quotation requests to each company.

To find out what other companies charge click here to open in new window.

The single downside to using this type of form is you cannot specify the insurers you want to price. So if you prefer to choose from a list of companies to request quotes from, we have a page of low cost car insurance companies in Pennsylvania. Click here to view list.

The approach you take is up to you, just try to keep identical coverages for each quote you get. If the quotes have different limits and deductibles on each one you can’t possibly make an equal comparison in Monongahela.

Car insurance discounts help lower rates

Some insurers do not advertise all disounts very clearly, so the below list has some of the best known and also the more inconspicuous credits available to you.

  • Seat Belts Save – Buckling up and requiring all passengers to fasten their seat belts can save up to 15% off the PIP or medical payment premium.
  • Multiple Vehicles – Buying coverage for several vehicles with the same car insurance company could earn a price break for each car.
  • Theft Prevention System – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen less frequently and will qualify for a discount on a .
  • Low Mileage – Driving less may allow you to get substantially lower premium rates.
  • Good Students Pay Less – A discount for being a good student may save as much as 25% on a . Most companies allow this discount up until you turn 25.
  • Defensive Driver Discount – Passing a course that instructs on driving safety may get you a small discount and also improve your driving technique.
  • Discounts for Federal Employees – Employees or retirees of the government could provide a small rate reduction but check with your company.
  • Membership in Organizations – Affiliation with qualifying employment or professional organizations is a good way to get lower rates on car insurance.
  • Distant Student Discount – Kids who are enrolled in a college that is more than 100 miles from home and do not have a car could get you a discount.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to all coverage premiums. Most only apply to the price of certain insurance coverages like liability and collision coverage. Just because you may think you can get free auto insurance, companies wouldn’t make money that way.

A few popular companies and their offered discounts are outlined below.

  • Geico has discounts for multi-policy, emergency military deployment, federal employee, defensive driver, and military active duty.
  • Mercury Insurance has savings for location of vehicle, good student, anti-theft, multi-policy, multi-car, annual mileage, and type of vehicle.
  • Farmers Insurance includes discounts for multi-car, pay in full, youthful driver, bundle discounts, alternative fuel, mature driver, and teen driver.
  • Auto-Owners Insurance may offer discounts for group or association, safe vehicle, safe driver, student away at school, and teen driver.
  • Liberty Mutual discounts include multi-policy, newly retired, newly married, safety features, preferred payment discount, good student, and exclusive group savings.
  • SAFECO may have discounts that include anti-lock brakes, safe driver, accident prevention training, multi-car, drive less, anti-theft, and homeowner.
  • Progressive offers premium reductions for multi-vehicle, online signing, homeowner, online quote discount, continuous coverage, good student, and multi-policy.
  • USAA may include discounts for vehicle storage, defensive driver, loyalty savings, multi-policy, military installation, good student, and multi-vehicle.

If you need lower rates, check with every insurance company which discounts can lower your rates. Savings may not be available everywhere.

When to have guidance from a local insurance agent

A small number of people prefer to sit down with an agent and that is OK! Professional agents can make sure you are properly covered and will help you if you have claims. One of the great benefits of comparing rates online is that you can obtain lower prices but also keep your business local. And supporting neighborhood agents is important particularly in Monongahela.

After filling out this short form, the coverage information is submitted to insurance agents in Monongahela that provide for your business. There is no reason to do any legwork since rate quotes are delivered immediately to your email address. If you wish to compare prices from a specific car insurance provider, don’t hesitate to jump over to their website to submit a rate quote request.

Is a captive or independent car insurance agent right for you?

If you want to use a local agent, it’s important to understand the types of agencies and how they can quote your rates. Agents can be described as either independent agents or captive agents. Both can insure your vehicles properly, but it’s important to know why they differ since it may influence the kind of agent you use.

Independent Agents

Agents in the independent channel do not have single company limitations so they can quote policies with many different companies enabling the ability to shop coverage around. If your agent finds better pricing, your agent can just switch to a different company and that require little work on your part. If you need lower rates, we recommend you contact multiple independent agents to get the best comparison. Many write coverage with less well-known companies which can be an advantage.

Listed below is a small list of independent agencies in Monongahela who can help you get competitive price quote Monongahela PA

  • Miller Insurance Svc – 506 W Main St – Monongahela, PA 15063 – (724) 258-9090

Captive Car Insurance Agencies

Agents that choose to be captive have only one company to place business with like AAA, State Farm, Farmers Insurance, and Allstate. They generally cannot provide other company’s prices so they are skilled at selling on more than just price. Captive insurance agents are highly trained on their products and sales techniques which can be an advantage. Many people buy insurance from these agents primarily because of the brand name and strong financial ratings.

Selecting an car insurance agent should include more criteria than just the bottom line cost. Ask your prospective agent these questions:

  • Did they already check your driving record and credit reports?
  • Do the agents have professional certifications like CPCU or CIC?
  • How long has their agency been open in Monongahela?
  • How does the company pay claims for a total loss?
  • How much experience to they have in personal lines coverages?
  • If they are an independent agency, which companies do they recommend?
  • Will the company cover a rental car if your car is getting fixed?

More information can be found on the Pennsylvania Insurance Department website found here. Pennsylvania consumers can find out industry alerts, report car insurance fraud, view a list of available companies, and read enforcement actions against agents and companies.

Auto insurance coverages

Learning about specific coverages of your car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your vehicle.

Due to the fact that many Pennsylvania drivers only purchase the least amount of liability that is required (which is 15/30/5), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive car insurance

This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like vandalism, a broken windshield and theft. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like chiropractic care, EMT expenses, rehabilitation expenses, surgery and funeral costs. They are often utilized in addition to your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like backing into a parked car, sustaining damage from a pot hole and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

save money in Monongahela


This coverage protects you from damage or injury you incur to a person or their property that is your fault. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as bail bonds, medical services, repair bills for other people’s vehicles and emergency aid. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford. Pennsylvania requires drivers to carry at least 15,000/30,000/5,000 but it’s recommended drivers buy better liability coverage.

Do the work, save more money

Affordable car insurance can be sourced on the web as well as from insurance agents, so you need to with both to have the best selection. Some car insurance companies don’t offer online quoting and many times these small insurance companies only sell coverage through independent agencies.

We just showed you a lot of tips how to lower your car insurance prices. The key concept to understand is the more rate comparisons you have, the higher your chance of finding . Consumers may even find the lowest priced car insurance comes from some of the lesser-known companies.

Insureds who switch companies do it for a number of reasons such as delays in paying claims, lack of trust in their agent, policy cancellation and even an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding the right car insurance provider is easier than you think.