Finding low-cost Chester car insurance online can seem to be challenging for consumers new to price shopping online. With so many choices of insurers to choose from, how can you have a chance to compare the different rates to find the cheapest rates?
It’s smart to compare prices on a regular basis since rates change regularly. If you had the best deal a few years ago you may be paying too much now. Forget anything you know (or think you know) about car insurance because you’re about to find out the fastest and easiest way to lower your rates without sacrificing coverage.
Finding the best rates in Chester is quite easy. If you currently have car insurance, you will be able to lower your premiums substantially using this information. But Pennsylvania vehicle owners do need to learn how the larger insurance companies market on the web and use this information to your advantage.
How to Compare Car Insurance in Chester
There are a variety of methods you can shop for car insurance but one way is less time-consuming than others. You can waste hours talking to local insurance agents in Chester, or you could use online quoting to get pricing more quickly.
All the larger companies are enrolled in a marketplace where prospective buyers submit one quote, and each participating company can provide price quotes for coverage. This system prevents you from having to do form submissions to every company.
To submit your quote information now, click here (opens in new window).
The only downside to doing it this way is you are unable to specify which providers you want pricing from. If you wish to select from a list of companies to request quotes from, we put together a list of car insurance companies in Pennsylvania. View list of Pennsylvania insurance companies.
However you get your quotes, ensure you’re using exactly the same coverage information for every company. If you compare mixed coverages it’s impossible to determine which rate is truly the best in Chester. Slightly different coverage limits can mean a large discrepancy in price. And when quoting car insurance, remember that having more price comparisons will enable you to find a better price.
Misconceptions in car insurance advertisements
Car insurance providers like GEICO, State Farm and Progressive continually stream television and radio advertisements. They all make an identical promise of big savings after switching your coverage to them. But how can every company claim to save you money?
All the different companies can use profiling for the right customer that makes them money. For instance, a preferred risk could be between 25 and 40, insures multiple vehicles, and drives less than 7,500 miles a year. Any driver who matches those parameters is entitled to the best price and is almost guaranteed to cut their rates substantially.
Potential customers who don’t measure up to these standards must pay a more expensive rate and this can result in the customer not buying. The ad wording is “customers that switch” not “people who quote” save that much. This is how companies can state the savings. This illustrates why you should compare many company’s rates. It’s impossible to know which insurance companies will give you the biggest savings.
Cut your premium with discounts
Companies that sell car insurance don’t always list every discount very clearly, so we break down both the well known and the more hidden savings tricks you should be using.
- Discount for Swiching Early – Select companies give a discount for signing up before your current expiration date. The savings is around 10%.
- Passive Restraints – Vehicles equipped with air bags may earn rate discounts of up to 25% or more.
- Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates than their less cautious counterparts.
- Anti-lock Brake Discount – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
- Homeowners Discount – Owning a house in Chester may earn you a small savings because of the fact that having a home demonstrates responsibility.
- Paperwork-free – Some insurance companies give back up to $50 just for signing your application digitally online.
It’s important to note that some credits don’t apply to the entire policy premium. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like it’s possible to get free car insurance, companies don’t profit that way.
To choose insurers with the best car insurance discounts in Chester, click here.
Even more information can be read at the Pennsylvania Insurance Department website. Consumers can file complaints about an insurance agent or broker, learn about insurance regulations, discover disciplinary actions, and download brochures.
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Keep this in mind
Drivers who switch companies do it for many reasons like unfair underwriting practices, extreme rates for teen drivers, high prices or even not issuing a premium refund. Regardless of your reason for switching companies, switching companies is actually quite simple.
As you go through the steps to switch your coverage, it’s not a good idea to reduce coverage to reduce premium. In many instances, an accident victim reduced full coverage to discover at claim time they didn’t purchase enough coverage. Your aim should be to buy the best coverage you can find at a price you can afford while still protecting your assets.
Lower-priced car insurance is definitely available from both online companies and with local Chester insurance agents, and you need to price shop both in order to have the best chance of saving money. Some car insurance companies do not offer online quoting and these regional insurance providers work with independent agents.