How to Know You’re Spending Too Much for Car Insurance in Lock Haven, PA

Searching for affordable Lock Haven car insurance on the internet is challenging for consumers not familiar with comparing rates online. With such a large number of insurers available, how can consumers possibly compare the different rates to find the lowest price available?

It’s a good habit to compare prices quite often due to the fact that insurance rates tend to go up over time. Even if you got the best deal last year you can probably find a lower rate today. You can find a lot of wrong information about car insurance on the internet, so we’re going to give you some of the best ways to put money back in your pocket.

Comprehensive Car Insurance Comparison in Lock Haven, Pennsylvania

Most companies provide insurance quotes on their websites. The process is pretty painless as you just enter the coverages you want as detailed in the form. Upon sending the form, their rating system orders reports for credit and driving violations and gives you a price quote based on these factors.

Online price quotes helps simplify price comparisons, but the process of having to visit a lot of sites and fill out multiple forms can get tiresome after awhile. Unfortunately, it is important to compare as many rates as possible in order to get the best price on car insurance.

Isn’t there an easier way to compare rates?

A quicker way to compare rates makes use of a single form that obtains quotes from a bunch of companies at once. It’s a real time-saver, helps eliminate reptitive entry, and makes online shopping much more efficient. After your information is entered, it is rated and you can select any or none of the returned quotes. If you find a better price you can simply submit the application and purchase the new policy. It can be completed in a matter of minutes and may save quite a bit of money.

To find out how much you’re overpaying now, click here and begin entering your coverage information. If you have a policy now, it’s recommended you replicate your coverages identical to your current policy. This guarantees you will have a price comparison for exact coverage.

Pay less by taking advantage of discounts

Companies don’t always advertise all their discounts in a way that’s easy to find, so we researched some of the best known as well as the least known ways to save on car insurance.

  • Memberships – Being a member of a civic or occupational organization is a good way to get lower rates on your policy.
  • Student in College – Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Paperwork-free – Certain companies will discount your bill up to fifty bucks just for signing your application over the internet.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates than drivers with accident claims.
  • Low Mileage – Fewer annual miles can qualify you for discounted rates on garaged vehicles.
  • Early Switch Discount – Some insurance companies reward drivers for signing up prior to your current policy expiring. It’s a savings of about 10%.
  • Safety Course Discount – Taking part in a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.

It’s important to understand that many deductions do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, you’re out of luck.

Compare online but buy from a local Lock Haven agent

Some consumers prefer to buy from a local agent and that is a personal choice. The biggest benefit of comparing insurance prices online is that you can obtain the best rates and still choose a local agent.<img class="alignright" style="padding-top:15px;" src="" alt="Lock Haven Pennsylvania car insurance prices”/>

To find an agent, once you fill out this form (opens in new window), your information gets sent to agents in your area who will return price quotes for your insurance coverage. You never need to leave your computer since price quotes are sent directly to your email. It doesn’t get any easier! You’ll get the best rates and work with a local agent.

Picking an provider shouldn’t rely on just a cheap price. Some important questions to ask are:

  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Will their companies depreciate repairs to your car based on the mileage?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Do they specialize in personal lines coverage?
  • Are claims handled at the agent’s location?
  • Do they assist clients in filing claims?
  • How much will you save each year by using a higher deductible?
  • If they are an independent agency, which companies do they recommend?

Do you need an independent or captive insurance agency?

When searching for a reliable agent, you need to know there are two different types of agents that differ in how they can insure your vehicles. Insurance agencies in Lock Haven are categorized either captive or independent.

Captive Agents

Captive agents have only one company to place business with such as Liberty Mutual, Allstate, Farmers Insurance or State Farm. Captives cannot place coverage with different providers so always compare other rates. Captive agencies are trained well on their company’s products which helps them sell insurance even at higher premiums. Consumers frequently choose to use a captive agent primarily because of high brand loyalty and strong financial ratings.

Listed below are Lock Haven captive insurance agencies who may provide you with price quote information.

  • Allstate Insurance – 220 Woodward Ave – Lock Haven, PA 17745 – (570) 748-8100
Independent Insurance Agents

These agents are not employed by any specific company but rather can write business amongst many companies enabling the ability to shop coverage around. To move your coverage to a new company, your agent can switch companies without you having to go to a different agency.

When comparing rates, you should always include at a minimum one independent agency for the best price selection.Most can insure with lesser-known insurance companies which can be an advantage.

Listed below is a short list of independent agencies in Lock Haven that can give you price quote information.

  • Anthony A Torsell Agency Inc – 204 W Main St – Lock Haven, PA 17745 – (570) 748-2712
  • Feger Insurance – 511 E Church St – Lock Haven, PA 17745 – (570) 748-3570
  • Franklin Insurance Co – 100 Mercer Dr – Lock Haven, PA 17745 – (570) 748-3234
  • Thomas R Foy Agency – 7 E Water St – Lock Haven, PA 17745 – (570) 748-4028

To view a complete directory of insurance agents in Lock Haven, click here to link.

Lock Haven Pennsylvania insurance comparisons

Upon getting positive responses to these questions and a good coverage price, most likely you have located an insurance agency that is a good match to properly service your car insurance policy.

More detailed Pennsylvania car insurance information is available at the Pennsylvania Insurance Department website. Consumers can get help finding coverage, find a variety of consumer forms, and download brochures.

Final thoughts

As you shop your coverage around, don’t be tempted to reduce needed coverages to save money. There have been many situations where an insured dropped collision coverage and found out when filing a claim they didn’t have enough coverage. The aim is to purchase plenty of coverage at a price you can afford.

We just presented a lot of tips how to shop for car insurance online. The key concept to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may even find the lowest priced car insurance comes from a company that doesn’t do a lot of advertising.

Low-cost car insurance is definitely available both online as well as from independent agents in Lock Haven, and you need to price shop both so you have a total pricing picture. Some insurance companies don’t offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.