Best 8 Tricks to Save on Auto Insurance in Lancaster, PA

Have you fallen victim to an underperforming, overpriced auto insurance policy? Believe me when I say you’re not alone. Many auto insurance companies compete for your hard-earned dollar, so it can be very hard to choose a insurance company and get the definite lowest cost out there.

Comprehensive Lancaster Auto Insurance Comparison

Shopping for lower auto insurance rates can be exhausting if you don’t understand the fastest way to get free quotes. You can waste a few hours (or days) talking to agents in Lancaster, or you could use the web to quickly compare rates.

Many insurance companies participate in a marketplace that enables customers to only type in their quote data once, and every company then returns a price quote based on that information. This system prevents you from having to do repetitive form submissions for every auto insurance company.

To use this form to compare rates click here to open in new window.

The only drawback to using this type of system is that you can’t choose the companies to get quotes from. So if you prefer to choose from a list of companies to compare rates, we have assembled a list of low cost auto insurance companies in Pennsylvania. Click to view list.

It’s up to you how you get prices quotes, just be sure to compare exactly the same quote information on every quote you get. If you use different values for each quote it will be next to impossible to make an equal comparison in Lancaster.

Auto insurance myths debunked

Pennsylvania consumers can’t get away from ads for cheaper car insurance from companies such as GEICO, State Farm and Progressive. All the ads make the same claim about savings if you switch your policy.

But how can every company make almost identical claims? It’s all in the numbers.

Different companies can use profiling for the driver that makes them money. An example of a profitable customer could be between the ages of 30 and 50, insures multiple vehicles, and has a short commute. A customer who fits that profile will get very good rates and most likely will pay quite a bit less when switching companies.

Potential insureds who fall outside these standards will have to pay a more expensive rate which leads to business not being written. The ads state “people who switch” not “people who quote” save that much money. That’s why companies can claim big savings. Because of the profiling, you need to get as many comparisons as possible. It is impossible to predict which auto insurance company will fit your personal profile best.

Don’t overlook these eight discounts

Companies do not list all available discounts in an easy-to-find place, so the following is a list of some of the more common and the more hidden savings tricks you should be using. If they aren’t giving you every credit you deserve, you are throwing money away.<img class="alignright" style="padding-top:15px;" src="" alt="Lancaster Pennsylvania car insurance quote”/>

  • Multiple Vehicles – Insuring multiple vehicles on the same auto insurance policy qualifies for this discount.
  • Braking Control Discount – Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
  • Military Rewards – Being deployed with a military unit may qualify for rate reductions.
  • Passive Restraints – Factory air bags or motorized seat belts can qualify for discounts of more than 20%.
  • Save over 55 – If you’re over the age of 55, you may receive a discount up to 10%.
  • Safe Driver Discount – Insureds without accidents can pay as much as 50% less than drivers with accident claims.
  • College Student – Kids in college who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Sign Early and Save – A few companies offer discounts for signing up before your current expiration date. It can save you around 10%.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. A few only apply to the price of certain insurance coverages like comp or med pay. Just because you may think it’s possible to get free car insurance, companies wouldn’t make money that way.

To choose companies offering auto insurance discounts in Lancaster, click here to view.

Is my situation unique?

When choosing adequate coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique so your insurance should reflect that For example, these questions may help you determine if you could use an agent’s help.

  • What happens if I owe more than my vehicle is worth?
  • What discounts do I qualify for?
  • Am I covered by my spouse’s policy after a separation?
  • Can I afford to pay high deductible claims out of pocket?
  • Am I covered when using my vehicle for business?
  • Is my vehicle covered for flood damage?
  • Is my teen driver covered when they drive my company car?
  • What vehicles should carry emergency assistance coverage?
  • Am I covered if I drive in a foreign country?
  • Does my insurance cover my expensive audio equipment?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Additional detailed information can be found at the Pennsylvania Insurance Department website. Pennsylvania drivers can find out industry alerts, download brochures, and find a variety of consumer forms.

Auto insurance coverage information

Knowing the specifics of your auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. Below you’ll find typical coverages found on most auto insurance policies.

Comprehensive coverage – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from getting keyed, fire damage and vandalism. The most a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like hospital visits, EMT expenses, prosthetic devices and pain medications. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Auto liability insurance – Liability coverage provides protection from damages or injuries you inflict on other’s property or people in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as medical services, loss of income, funeral expenses, medical expenses and pain and suffering. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible. Pennsylvania state minimum liability requirements are 15,000/30,000/5,000 but drivers should carry better liability coverage.

Collision coverages – This covers damage to your vehicle resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as colliding with another moving vehicle, sideswiping another vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage – This coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your vehicle.

Since many Pennsylvania drivers carry very low liability coverage limits (Pennsylvania limits are 15/30/5), their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

What is YOUR best insurance company?

When buying insurance coverage, it’s not a good idea to buy less coverage just to save a little money. In too many instances, drivers have reduced comprehensive coverage or liability limits and discovered at claim time that the small savings ended up costing them much more. Your focus should be to purchase plenty of coverage at the best price while still protecting your assets.

The cheapest auto insurance is possible both online in addition to many Lancaster insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance providers do not provide online quoting and most of the time these regional insurance providers sell through independent agents.