How many times have you told yourself it's time to shop around for cheaper Pontiac G8 insurance in Philadelphia? There isn't anyone who looks forward to buying auto insurance, especially when they know the cost is way too high.
Surprisingly, a recent survey revealed that over 70% of consumers have stayed with the same insurance company for well over three years, and almost half have never compared rates with other companies. Many consumers in the United States could save almost 46.5% every year by just shopping around, but most undervalue how much savings they would realize if they switch to a new company. Due to the abundance of options for buying cheaper insurance for a Pontiac G8 in Philadelphia, it's nearly impossible to pick the most cost effective auto insurance company.
Finding the cheapest auto insurance coverage in Philadelphia is much easier if you have a good place to start. If you have insurance now, you will surely be able to reduce premiums using the ideas presented in this article. Vehicle owners just have to use the most efficient way to compare rates online.
The companies shown below can provide free quotes in Philadelphia, PA. If multiple companies are listed, we suggest you click on several of them to get the best price comparison.
Take policy discounts and save on Pontiac G8 insurance in Philadelphia
Not many people think insurance is cheap, but you can get discounts that could drop your premiums quite a bit. Most are applied when you purchase, but some may not be applied and must be asked for before they will apply.
- Low Miles Discount - Driving less may allow you to get better insurance rates on cars that stay parked.
- Responsible Drivers - Insureds without accidents could pay up to 40% less as compared to drivers with claims.
- No Claim Discounts - Drivers who don't have accidents have much lower rates in comparison with drivers with a long claim history.
- Theft Deterrent Discount - Vehicles equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.
- Resident Student - Any of your kids living away from Philadelphia attending college and leave their car at home can be insured at a reduced rate.
Please keep in mind that most credits do not apply to your bottom line cost. Most only reduce specific coverage prices like liability and collision coverage. So when the math indicates all those discounts means the company will pay you, you're out of luck.
To choose insurance companies with the best discounts in Philadelphia, click here.
Lower Your Philadelphia Insurance Premiums
Part of the car insurance buying process is learning some of the elements that come into play when calculating the level of your policy premiums. If you have some idea of what determines base rates, this enables informed choices that can help you get much lower annual insurance costs.
- Driver age impacts prices - Young drivers in Pennsylvania are statistically proven to be inattentive behind the wheel therefore car insurance rates are much higher. Older people are shown to be more cautious, file fewer claims, and tend to be get fewer driving tickets.
- Limits of liability - The liability coverage on your policy kicks in if ever you are responsible for damages caused by your negligence. It will provide you with a defense in court which can cost a lot. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so drivers should carry high limits.
- Premiums are affected by your credit score - Having a bad credit score is likely to be a major factor in determining what you pay. So if your credit history is lower than you'd like, you could pay less to insure your Pontiac G8 if you improve your credit rating. Drivers who have excellent credit tend to file fewer claims than drivers with lower credit scores.
- Five star IIHS safety rating saves money - Cars with high safety ratings are cheaper to insure. Vehicles built for safety reduce the chance of injuries and better occupant protection translates directly to fewer claims and cheaper rates on your policy. If your Pontiac has at least an "acceptable" rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
- Battle of the sexes - Over time, data shows females are less aggressive when driving. However, don't assume that females are better at driving than males. Females and males cause at-fault accidents in similar numbers, but the male of the species tend to have more serious accidents. In addition to higher claims, males also get cited for more serious violations like DUI and reckless driving.
Local agents and auto insurance
Some consumers just want to talk to an insurance agent and often times that is recommended Good agents can make sure you are properly covered and help file insurance claims. A good thing about price shopping on the web is you may find cheap auto insurance rates and still have a local agent.
Once you complete this form (opens in new window), the coverage information gets sent to agents in your area that give free quotes for your insurance coverage. There is no reason to visit any agencies because quoted prices will be sent immediately to you. If for some reason you want to quote rates from a specific insurance company, feel free to visit that company's website and fill out the quote form the provide.
Deciding on an provider requires you to look at more than just the premium amount. Agents should be asked these questions:
- Is the agent and/or agency licensed to do business in Pennsylvania?
- How much experience to they have in personal lines coverages?
- Do the companies they represent have a solid financial rating?
- Will your rates increase after a single accident?
- When do they do policy reviews?
After you get answers to your satisfaction to any questions you have and a good coverage price, you may have found an provider that can be trusted to properly insure your vehicles.
Do I need special coverages?
When quoting and choosing the best car insurance coverage, there really is no perfect coverage plan. Your needs are unique to you.
These are some specific questions can aid in determining whether you might need an agent's assistance.
- Is my babysitter covered when using my vehicle?
- What is the rate difference between pleasure use and commuting?
- Who sells insurance for high-risk drivers?
- Do I need an umbrella policy?
- Do I have coverage if my license is suspended?
- What is medical payments coverage?
- Exactly who is provided coverage by my policy?
If it's difficult to answer those questions then you might want to talk to an agent. To find an agent in your area, complete this form. It's fast, doesn't cost anything and can help protect your family.
More effort can pay off
Throughout this article, we presented a lot of ways to get a better price on Pontiac G8 insurance in Philadelphia. The key concept to understand is the more price quotes you have, the higher the chance of saving money. Drivers may even discover the most savings is with an unexpected company.
When you buy Philadelphia auto insurance online, you should never reduce needed coverages to save money. There have been many cases where an insured cut full coverage only to find out that the small savings ended up costing them much more. Your aim should be to get the best coverage possible at an affordable rate.
Insureds switch companies for any number of reasons including poor customer service, delays in responding to claim requests, policy non-renewal and even denial of a claim. Regardless of your reason for switching companies, finding a new company is not as difficult as it may seem.
For more information, take a look at the following helpful articles:
- Warning systems don't curb driver distraction (Insurance Institute for Highway Safety)
- Who Has Affordable Auto Insurance for Retired Military in Philadelphia? (FAQ)
- What Auto Insurance is Cheapest for Young Drivers in Philadelphia? (FAQ)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Eight Auto Insurance Myths (Insurance Information Institute)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)