Have you fallen victim to an overpriced auto insurance policy? Believe me, there are a lot of people in Uniontown just like you who feel imprisoned by their auto insurance policy. Because there are so many choices of insurance companies, it can be diffult for consumers to locate the right insurance company.
You should make it a habit to compare prices occasionally due to the fact that insurance rates are rarely the same from one policy term to another. Even if you think you had the best deal on your last policy you will most likely find a better rate today. So ignore everything you know about auto insurance because you’re going to get a crash course in the easiest way to find lower rates on auto insurance.
Buying car insurance in Uniontown is easy if you know what you’re doing. If you have a policy now or need new coverage, you can use these tips to shop for the lowest rates while maintaining coverages. Pennsylvania drivers just need to learn the proper methods to shop online.
Companies offer discounts so take them!
Companies offering auto insurance don’t always list every discount in a way that’s easy to find, so we break down some of the more common and the more hidden auto insurance savings. If you aren’t receiving every discount you deserve, you are paying more than you should be.
- Anti-theft System – Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.
- Senior Discount – If you qualify as a senior citizen, you may receive reduced rates.
- Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.
- Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
- Government Employees – Employees or retirees of the government can save as much as 8% with a few auto insurance companies.
Consumers should know that some credits don’t apply to your bottom line cost. Some only reduce specific coverage prices like liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, companies wouldn’t make money that way.
To choose providers offering auto insurance discounts in Uniontown, click here to view.
How your Uniontown rates are determined
It’s important that you understand the rating factors that go into determining the price you pay for auto insurance. When you know what positively or negatively determines base rates allows you to make educated decisions that may reward you with better auto insurance rates.
- Performance influences rates – The type of vehicle you are buying insurance for makes a huge difference in your rates. The lowest base rates are usually for economy passenger cars, but there are many factors that impact the final cost.
- High credit ratings translate to low rates – Having a bad credit score is a large factor in calculating your auto insurance rates. So if your credit rating is lower than you’d like, you could save money insuring your by repairing your credit. Consumers who have excellent credit tend to be less risk to insure than those with poor credit.
- Where you live – Residing in a rural area is a positive aspect when talking about auto insurance. Drivers who live in large cities have more traffic problems and a longer drive to work. Less people living in that area translates into fewer accidents as well as less vandalism and auto theft.
- More than one policy can earn a discount – Many insurers provide better rates to insureds who carry more than one policy. It’s known as a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even if you’re getting this discount you may still want to comparison shop to verify if the discount is saving money. You may still find better rates by insuring with multiple companies.
Different people need different coverages
When buying coverage for your personal vehicles, there really is not a cookie cutter policy. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions may help you determine whether or not you might need professional guidance.
- Does my policy cover me when driving someone else’s vehicle?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Are rental cars covered under my policy?
- Do I really need UM/UIM coverage?
- Does my policy cover my teen driver if they drive my company car?
- Am I getting all the discounts available?
- Do no-fault laws apply in Pennsylvania?
- How much liability coverage do I need in Pennsylvania?
If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.
Quote online but work with a neighborhood agent
Certain consumers would prefer to talk to a local agent and that is a personal choice. Educated insurance agents are trained to spot inefficiencies and give you someone to call. The best thing about comparing rates online is the fact that you can find better rates but also keep your business local.
To find an agent, once you fill out this quick form, your insurance data is emailed to local insurance agents who will return price quotes to get your business. You don’t have to leave your computer due to the fact that quote results will go directly to your email. It doesn’t get any easier!
Deciding on an insurance company should depend on more than just the premium amount. Any agent should have no problem answering these questions:
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Is their price quote a firm figure or are their hidden costs?
- Can they give you a list of client referrals?
- How long have they worked with personal auto insurance coverage?
- If you have an accident, will your rates go up?
- How long has their agency been open in Uniontown?
- Which company do they place the most coverage with?
What types of insurance agencies are in Uniontown?
When searching for a local agent, there are two types of agencies that you can select. Agencies in Uniontown can either be independent or captive. Either one can properly insure your vehicles, but it’s worth learning how they differ since it can impact your agent selection.
Captive insurance agents can only write with one company such as Allstate, AAA, Liberty Mutual and State Farm. These agents are unable to place coverage with different providers so keep that in mind. Captive agencies are well schooled on their company’s products which helps them compete with independent agents.
Below is a short list of captive agencies in Uniontown who can help you get price quotes.
State Farm Insurance – 7807 National Pike – Uniontown, PA 15401 – (724) 438-6115
These agents are not employed by any specific company but instead can place your coverage with any number of different companies depending on which coverage is best. To transfer your coverage to a different company, the agent simply finds a different carrier and you won’t have to switch agencies. When shopping rates, it’s a good idea to get quotes from at a minimum one independent agency for maximum quote selection.
Below are Uniontown independent agents willing to provide price quote information.
Dale Frantz Agency – 462 Morgantown St – Uniontown, PA 15401 – (724) 438-6699
Insurance People – 652 Morgantown Rd – Uniontown, PA 15401 – (724) 569-4109
Sprowls Agency – 217 W Main St – Uniontown, PA 15401 – (724) 439-3517
William E Doman Jr Insurance – 6 Oliver Rd # 116 – Uniontown, PA 15401 – (724) 438-6344
For a complete listing of auto insurance agents in Uniontown, visit this site.
After receiving positive feedback and locked in a price quote, most likely you have located an auto insurance agent that will insure your vehicles.
Is there deception in advertising?
Pennsylvania drivers constantly see and hear ads that promise big savings from companies such as State Farm, Allstate and GEICO. All the companies say the same thing of big savings if you move your policy.
But how can every company say the same thing? It’s all in the numbers.
All the different companies can use profiling for the type of driver that is profitable for them. For example, a preferred risk might be profiled as between 30 and 50, owns a home, and has a high credit rating. A customer who matches those parameters will get very good rates and therefore will save when switching.
Consumers who do not match this ideal profile will have to pay higher rates which leads to the driver buying from a lower-cost company. The ads say “customers who switch” not “everybody who quotes” save money. That is how insurance companies can confidently advertise the way they do. Because of the profiling, you absolutely need to get a wide range of price quotes. Because you never know which company will have the lowest rates.
For more information
More tips and info about auto insurance is available at the Pennsylvania Insurance Department website. Visitors are able to learn about specific coverages, find disaster information, and download brochures.
A little work can save a LOT of money
As you prepare to switch companies, you should never skimp on coverage in order to save money. There have been many situations where consumers will sacrifice physical damage coverage to discover at claim time that the savings was not a smart move. Your goal should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.
Budget-conscious auto insurance can be sourced from both online companies and with local Uniontown insurance agents, so you should compare both in order to have the best chance of saving money. A few companies do not offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.