How to Know You’re Spending Too Much for Auto Insurance in Beaver Falls, PA

Searching for the lowest cost Beaver Falls auto insurance on the web is challenging for consumers not familiar with price shopping online. With a ridiculous number of companies in the marketplace, how can anyone effectively compare them all to find the best available rates?

Comprehensive Beaver Falls Auto Insurance Comparison Quotes

Most companies such as Progressive, GEICO, Allstate and State Farm allow you to get prices for coverage directly from their websites. Obtaining pricing is fairly simple as you just enter the coverages you want as requested by the quote form. When the form is submitted, their system will order credit information and your driving record and generates pricing information based on many factors.

Quoting online helps simplify price comparisons, but the time it takes to visit different websites and complete many quote forms can be a bit tiresome and repetitive. Unfortunately, it is important to perform this step if you want to find a better rate.

Rate comparisons made easy

The preferred way to find cheaper rates is to use a quote form to get prices from several companies at one time. This type of form saves time, helps eliminate reptitive entry, and makes rate comparisons a little more enjoyable. Immediately after submitting the form, it gets priced and you are able to buy any one of the quotes that you receive. If the quotes result in lower rates, you can click and sign and purchase the new policy. The entire process only takes a few minutes and you will find out if you’re overpaying now.

To quickly get comparison pricing now, simply click here to open in new window and submit your coverage information. If you currently have coverage, we recommend you complete the form with your coverages identical to your current policy. This way, you are getting comparison quotes for similar coverage.

Don’t miss out on these money-saving discounts

Companies that sell car insurance do not advertise all available discounts very well, so the following is a list of some of the more common and the more hidden auto insurance savings. If you don’t get every credit you qualify for, you are paying more than you should be.Beaver Falls PA insurance prices

  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more than less cautious drivers.
  • Life Insurance Discount – Select insurance companies reward you with a break if you buy life insurance from them.
  • Claim Free – Good drivers with no accidents pay much less when compared to drivers who are more careless.
  • Fewer Miles Equal More Savings – Driving fewer miles can earn better rates on cars that stay parked.
  • E-sign – A few companies may give you up to $50 just for signing your application online.
  • Good Students Pay Less – Getting good grades can get you a discount of up to 25%. The good student discount can last up until you turn 25.
  • Government Employees – Employees or retirees of the government could cut as much as 10% off with select insurance companies.
  • Early Signing – Select companies give a discount for signing up prior to your current policy expiring. This can save 10% or more.
  • Safety Course Discount – Taking part in a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
  • Homeowners Discount – Owning a house in Beaver Falls can save you money because maintaining a house is proof that your finances are in order.

Drivers should understand that most of the big mark downs will not be given to the entire cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So when it seems like you would end up receiving a 100% discount, auto insurance companies aren’t that generous.

To see a list of insurers who offer auto insurance discounts in Pennsylvania, click this link.

Buy Cheaper Auto Insurance with These Tips

An important part of buying insurance is that you know the factors that help determine auto insurance rates. Knowing what influences your rates helps enable you to make changes that can help you get much lower annual insurance costs.

  • Lower rates come with age – More mature drivers tend to be more responsible, statistically cause fewer accidents and are safer drivers. Teen drivers have a tendency to be careless and easily distracted when driving and because of this, their auto insurance rates are much higher.
  • Drive a safer car and pay less – Cars with high safety ratings are cheaper to insure. Safe vehicles result in less severe injuries and any reduction in injury severity translates into fewer and smaller insurance claims and thus lower rates.
  • Increase deductibles and save – Physical damage deductibles represent how much money you are willing to pay out-of-pocket if you file a covered claim. Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your car. Examples of covered claims would be colliding with a building, damage from fire, or theft. The more expense you’re willing to pay, the lower your rates will be.
  • Where you live is a factor – Residing in a rural area can save you money when it comes to auto insurance. Urban drivers tend to have traffic congestion and much longer commute distances. Less people living in that area means fewer accidents and also fewer theft and vandalism claims.
  • Better credit scores mean better rates – Your credit rating is a huge factor in calculating your auto insurance rates. Drivers with high credit ratings tend to file fewer claims and have better driving records as compared to drivers with lower credit scores. If your credit can use some improvement, you could potentially save money when insuring your by improving your credit score.
  • Extra coverages can waste money – There are a ton of additional coverages that you can get tricked into buying on your auto insurance policy. Coverages like vanishing deductibles, accidental death and additional equipment coverage may be costing you every month. These coverages may sound good when talking to your agent, but now you might not need them so get rid of them and save.
  • Are you male or female? – The statistics show that women are safer drivers than men. Now that doesn’t mean women are better drivers. Men and women tend to get into accidents at a similar rate, but the men tend to have more serious accidents. Men also statistically receive more costly citations like DUI and reckless driving.

More tips and info about auto insurance can be found at the Pennsylvania Insurance Department website. Pennsylvania drivers can file complaints about a company, learn about specific coverages, and find out industry alerts.

Do auto insurance companies bend the truth?

Consumers in Pennsylvania get pounded daily by advertisements for the lowest price auto insurance from companies such as Progressive, GEICO, Allstate and State Farm. They all have a common claim that you can save after switching your policy.

How do they all claim to save you money? This is how they do it.

Insurance companies have a certain “appetite” for the type of customer that earns them a profit. An example of a desirable insured might be profiled as between 30 and 50, has no driving citations, and has great credit. A customer who meets those qualifications receives the best rates and most likely will save quite a bit of money when switching.

Beaver Falls PA insurance prices

Potential customers who are not a match for these standards will be charged a higher premium and this can result in business not being written. Company advertisements say “customers who switch” not “everybody who quotes” save that kind of money. This is how insurance companies can make those claims. That is why you need to get quotes from several different companies. You cannot predict the company that will have the lowest rates.

Do the work, save more money

Budget-conscious auto insurance can be sourced on the web and with local Beaver Falls insurance agents, so you should be comparing quotes from both so you have a total pricing picture. A few companies do not offer online price quotes and many times these small, regional companies only sell through independent insurance agents.

You just learned many ideas to lower your auto insurance rates. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest rates come from the smaller companies.

Insureds change insurance companies for many reasons like denial of a claim, high rates after DUI convictions, poor customer service or delays in responding to claim requests. It doesn’t matter what your reason, switching companies is pretty easy and you might even save some money in the process.