Insider Tricks to Saving Money on Easton, PA Auto Insurance

No one in their right mind cherishes buying auto insurance, in particular when the cost is too high.

Having so many companies and agents to choose from, it’s difficult to choose the most affordable insurance company.

It’s a good idea to check auto insurance prices before your policy renews because rates are usually higher with each renewal. If you had the best deal a few years ago you can probably find a better price now. You can find a lot of misleading information regarding auto insurance online but we’re going to give you some great ways to find affordable auto insurance.

Choosing the best insurance company for you in Easton is not that difficult. In a nutshell, anyone who is shopping for auto insurance will most likely be able to save money. Although Pennsylvania drivers must comprehend how companies market insurance on the web.

Buy Cheaper Auto Insurance with These Tips

Consumers need to have an understanding of some of the elements that play a part in calculating the rates you pay for auto insurance. Understanding what impacts premium levels enables informed choices that could result in much lower annual insurance costs.

  • Better credit scores mean better rates – Your credit history is a large factor in determining your rates. If your credit is not that good, you could be paying less to insure your by repairing your credit. People with excellent credit tend to be more responsible than drivers with lower credit scores.
  • Men fork out a little more – The statistics show that women are safer drivers than men. Now that doesn’t mean women are BETTER drivers than men. Men and women are in accidents at about the same rate, but the males tend to have more serious accidents. They also get cited for more serious violations like DUI and reckless driving.
  • Bundling policies can get discounts – The majority of insurers provide better rates to customers who have multiple policies with them. It’s known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. If you currently are using one company, it’s still a good idea to compare other company rates to ensure the best deal.
  • Liability coverage protects you – The liability section of your policy will protect you in the event that you are found liable for personal injury or accident damage. Liability insurance provides for a legal defense which can cost thousands of dollars. Liability is cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Where you live is a factor – Being located in small towns and rural areas can save you money when talking about auto insurance. Fewer people means fewer accidents and also fewer theft and vandalism claims. Drivers who live in large Pennsylvania cities have traffic congestion and longer commute times. More time commuting translates into higher accident risk.

Where Can I Get Cheap Easton Auto Insurance?

Most companies give prices for coverage on the web. Getting online quotes doesn’t take a lot of time as you just enter the amount of coverage you want as detailed in the form. After the form is submitted, the company’s rating system orders reports for credit and driving violations and provides a quote determined by many factors. Online quotes simplifies rate comparisons, but having to visit a lot of sites and type in the same information can get tiresome after awhile. Unfortunately, it is important to have as many quotes as possible in order to get the lowest auto insurance rates.

Compare rates the easy way

A quicker way to compare rates utilizes a single form to obtain quotes from a lot of companies. This type of form saves time, eliminates form submissions, and makes online shopping much more efficient. Immediately after submitting the form, it is quoted and you are able to buy any of the quotes returned. If a lower price is quoted, you can click and sign and purchase the new policy. It can be completed in a matter of minutes and may result in a nice savings.

If you want to compare rates using this form now, click here to open in a new tab and enter your information. If you have coverage now, it’s recommended you complete the form with the insurance coverages just like they are on your policy. This makes sure you will have a price comparison based on identical coverages.

Discounts can save BIG

Auto insurance companies don’t always list every discount very well, so here is a list both well-publicized and the more hidden savings tricks you should be using.Easton insurance cheap

  • Auto/Home Discount – When you have multiple policies with one insurance company you could get a discount of up to 20% off your total premium.
  • E-sign – A few companies will give a small break just for signing your application online.
  • Military Rewards – Having a deployed family member could mean lower rates.
  • Multiple Vehicles – Having multiple vehicles with the same company could earn a price break for each car.
  • Federal Government Employee – Active or retired federal employment may qualify you for a discount with select insurance companies.
  • Save with a New Car – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.

Consumers should know that most discounts do not apply the the whole policy. Some only reduce individual premiums such as comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, companies don’t profit that way.

Buying car insurance locally

A small number of people just want to get advice from a local agent and that is just fine! The best thing about getting online price quotes is that you can obtain the best rates but also keep your business local.

Upon completion of this simple form, your insurance data is emailed to local insurance agents who will give you bids for your coverage. There is no need to drive around as quotes are delivered immediately to your email address. How cool is that?! It’s the lowest rates and an insurance agent to talk to.

Selecting an provider needs to be determined by more than just a low price. These are valid questions to ask:

  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Are they full-time agents?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • Does the agency support the community they serve?
  • What insurance company do they write the most business with?
  • Who is covered by the car insurance policy?
  • Do they make recommendations based only on price?
  • Is vehicle mileage a factor when determining depreciation for repairs?

Two different types of insurance agencies

When searching for local Easton agents, you must know there are a couple types of agencies that differ in how they can insure your vehicles. Easton agents are either independent or captive.

Captive Insurance Agents

Captive agencies can only place business with one company and examples are AAA, Allstate and State Farm. These agents are unable to give you multiple price quotes so they have to upsell other benefits. Captive agents are very knowledgeable on their company’s products which helps them sell insurance even at higher premiums.

The following is a short list of captive agents in Easton willing to provide rate quotes.

Allstate Insurance – 2925 William Penn Hwy # 101 – Easton, PA 18045 – (610) 250-8690

Independent Insurance Agents

Independent insurance agents are not employed by any specific company but instead can place your coverage with many different companies depending on which coverage is best. To move your coverage to a new company, your agent can switch companies and you don’t have to find a new agent.

When searching for an agent, it’s a good idea to contact multiple independent agents for maximum quote selection.

Easton PA insurance comparisons

Shown below is a list of independent agents in Easton who can help you get rate quotes.

Cooke Agency – 606 Stones Crossing Rd – Easton, PA 18045 – (610) 258-9675
Curzi Insurance – 2020 Sullivan Trl – Easton, PA 18040 – (610) 258-6200
Mearhoff Insurance Inc – 3101 Freemansburg Ave – Easton, PA 18045 – (610) 258-0814

For a full directory of auto insurance agents in Easton, click here to link.

After receiving good answers for all questions you ask as well as a affordable price, it’s possible that you found a car insurance agent that meets your needs to adequately provide auto insurance.

More tips and info about auto insurance can be found at the Pennsylvania Insurance Department website. Consumers can find a variety of consumer forms, find disaster information, and file complaints about an insurance agent or broker.

Buy online or local, you save

We just covered a lot of information how to save on auto insurance. The key concept to understand is the more companies you get rates for, the better your chances of lowering your rates. Consumers may even find the best price on auto insurance is with some of the lesser-known companies. These companies may cover specific market segments cheaper as compared to the big name companies such as State Farm, GEICO and Nationwide.

The cheapest auto insurance can be sourced online and with local Easton insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance providers do not offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.