Lower New Castle Pennsylvania Car Insurance Rates in Five Minutes

Purchasing the cheapest New Castle car insurance on the web may be intimidating for beginners to buying insurance on the web. When there are so many insurance companies available, how can you possibly compare the different rates to find the cheapest available price?

If you are insured now or need new coverage, you can learn to shop for the lowest rates and possibly find even better coverage. Shopping for the cheapest protection in New Castle is simple if you know the tricks. Pennsylvania drivers just need to know the best way to shop over the internet.

Lower your New Castle Car Insurance Rates

An important part of buying insurance is that you know the different types of things that go into determining the price you pay for car insurance. Understanding what controls the rates you pay helps enable you to make changes that could result in better car insurance rates.

  • Drive a safer car and pay less – Safer cars can get you lower premiums. Safe vehicles reduce injuries and better occupant protection translates into fewer and smaller insurance claims passed on to you as lower rates.
  • Always keep insurance in force – Driving without insurance is a misdemeanor and as a result your rates will increase for letting your coverage have a gap. Not only will rates go up, failure to provide proof of insurance will get you a hefty fine and possibly a revoked license.You may then be required to provide proof of insurance in the form of an SR-22 filing with the Pennsylvania motor vehicle department to get your license reinstated.
  • Do you know you’re credit rating? – Your credit rating is a big factor in calculating your car insurance rates. People with high credit scores tend to be more responsible than those with poor credit. If your credit score can use some improvement, you could potentially save money when insuring your by spending a little time repairing your credit.
  • Lower rates with optional equipment – Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your vehicle from being stolen.
  • Older drivers pay less – More mature drivers are viewed as being more responsible, tend to cause fewer accidents and are safer drivers. Youthful drivers tend to be more careless when driving therefore car insurance rates are much higher.

Cut your car insurance rates with discounts

Properly insuring your vehicles can get expensive, but you can get discounts that can drop the cost substantially. Some discounts apply automatically when you purchase, but less common discounts must be asked about prior to receiving the credit. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Homeowners Discount – Owning a house in New Castle can help you save on car insurance because maintaining a house is proof that your finances are in order.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
  • Safe Drivers – Safe drivers can get discounts for up to 45% lower rates than drivers with accident claims.
  • Paperwork-free – A few companies give back up to $50 for buying your policy over the internet.
  • Fewer Miles Equal More Savings – Low mileage vehicles can qualify you for better rates on cars that stay parked.

It’s important to note that most of the big mark downs will not be given to the entire policy premium. Some only reduce individual premiums such as liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, companies wouldn’t make money that way. Any amount of discount will reduce the cost of coverage.

To see a list of providers with the best car insurance discounts in New Castle, click here to view.

Your local neighborhood insurance agent

Certain consumers would prefer to buy from a licensed agent and that is just fine! Insurance agents are trained to spot inefficiencies and help submit paperwork. The biggest benefit of comparing insurance prices online is you can get the lowest rates but also keep your business local. And providing support for small agencies is definitely important in New Castle.

After filling out this quick form, the quote information is emailed to local insurance agents who will return price quotes for your business. You won’t need to leave your computer due to the fact that quote results will go to your email. How’s that for easy!

Best car insurance agent in New Castle

If you’re trying to find an insurance agent, there are a couple of different types of agents that you can select. New Castle agents are either independent or captive. Either one can insure your vehicles, but it’s worth learning the differences since it can impact your agent selection.

Independent Insurance Agents

These agents are not required to write business for one company so they have the ability to put coverage with lots of companies and possibly get better coverage at lower prices. If your agent finds better pricing, an independent agent can move your coverage without you having to go to a different agency.

When comparing rates, it’s a good idea to get quotes from at least one independent agent to ensure the widest selection of prices. They often place coverage with different regional companies which may provide better rates.Auto insurance in New Castle Pennsylvania

Below is a short list of independent insurance agencies in New Castle that may be able to provide competitive price quotes.

  • James A Rugh Agency – 20 E Grant St – New Castle, PA 16101 – (724) 658-8577
  • Liberty Mutual Insurance – 102 Nesbitt Rd – New Castle, PA 16105 – (724) 654-5942
  • Nationwide Insurance – 2307 Wilmington Rd – New Castle, PA 16105 – (724) 652-8100
  • K Blinn Agency – 3215 Wilmington Rd # 101 – New Castle, PA 16105 – (724) 658-1588
Captive Agents

Captive agencies write business for a single company such as State Farm, AAA and Liberty Mutual. They usually cannot place coverage with different providers so they are skilled at selling on more than just price. Captive agents receive extensive training on their company’s products which can be an advantage. Consumers frequently buy insurance from these agents primarily because of loyalty to the company and the convenience of having a single billing for all their coverages.

Listed below are captive insurance agents in New Castle that can give you comparison quotes.

  • Allstate Insurance – 2000 Wilmington Rd # C – New Castle, PA 16105 – (724) 652-6670
  • State Farm Insurance – 2616 Wilmington Rd # C – New Castle, PA 16105 – (724) 652-1320
  • Liberty Mutual Insurance – 2501 Wilmington Rd – New Castle, PA 16105 – (724) 658-3771

For a full directory of captive agencies in New Castle, click here to link.

Picking an auto insurance agent shouldn’t rely on just the premium amount. Some important questions to ask are:

  • Is the agency involved in supporting local community causes?
  • Does the agency have a good rating with the Better Business Bureau?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Can glass repairs be made at your home?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • What insurance companies do they recommend if they are an independent agent?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • How long has their agency been open in New Castle?

Upon receiving good answers to any questions you have and an affordable coverage quote, it’s possible that you found an insurance agent that will adequately provide car insurance.

Do drivers who switch really save $420 a year?

Pennsylvania drivers can’t ignore all the ads for car insurance savings from the likes of Allstate, GEICO and Progressive. All the ads have a common claim of big savings if you switch your coverage to them.

How can each company say the same thing? It’s all in the numbers.

All the different companies can use profiling for the type of customer that makes them money. For example, a profitable customer could be between the ages of 40 and 55, insures multiple vehicles, and has a high credit rating. A driver who meets those qualifications will qualify for the lowest rates and therefore will pay quite a bit less when switching companies.

Drivers who don’t qualify for the “perfect” profile must pay more money and ends up with the driver buying from a lower-cost company. The ads say “customers that switch” but not “drivers who get quotes” save that kind of money. That’s the way companies can advertise the way they do.

This illustrates why drivers should compare as many rates as you can. It’s impossible to know the company that will give you the biggest savings.

save money in New Castle Pennsylvania

Pennsylvania car insurance information

Additional information can be read on the Pennsylvania Insurance Department website located here. Pennsylvania drivers can discover disciplinary actions, find disaster information, download brochures, and find a variety of consumer forms.

Also read more on this page for car insurance in Pennsylvania and this page on QuoteClickInsure.com.

Quote more, save more

Discount car insurance is available on the web and with local New Castle insurance agents, so compare prices from both to get a complete price analysis. A few companies do not offer online quoting and most of the time these small, regional companies sell through independent agents.

As you shop your coverage around, don’t be tempted to reduce coverage to reduce premium. There are too many instances where consumers will sacrifice comprehensive coverage or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to get the best coverage possible at the best price while still protecting your assets.

We just presented a lot of ways to shop for car insurance online. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Drivers may discover the best price on car insurance is with an unexpected company.