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Finding a Better Auto Insurance Rate and Policy Takes a Effort
If you’re in the habit of sticking with your current auto insurance company without a glance at who is offering lowering rates, are you doing yourself a favor? How about considering the possibility that some Philadelphia or Pittsburgh based insurance companies are willing and even eager to get your business at a lower price?
It’s true, so put Geico, Allstate, Progressive and other big brands out of mind and start checking around for secondary market providers who give you much better rates. The savings can be significant. But don’t jump at the first offer. Remember to let national insurance brands and local Philly brokers compete for your auto insurance business. When they compete, you have power.
Just as they are in Denver, Salt Lake City, Minneapolis, Green Bay, Detroit, Indianapolis, and Boston, winters are harsh in Philadelphia and winter means road risk and higher quotes. So search for a better insurance quote right now, but don’t accept an offer before you’ve done a few things to lower your liability. It’s all about risk and liability in car insurance. Check out whether driving an electric car might provide lower insurance costs.
Here’s 3 things you can do to get a better auto quote in Philadelphia:
- buy winter tires – the softer rubber and deep tread help give you traction and lower the risk of you rear ending another driver near an intersection, and how many times per winter do you see that happen? And what do you think happens to their insurance rate?
- look into usage-based insurance which lets the insurer see how you drive, how far, at which times, and where you go. If you don’t drive much during dangerous times over long distances, and you drive well, usage based auto insurance could substantially lower your truck or car insurance costs
- bundle your home and auto insurance. These companies will give you a discount if you open other policies with them, so use your need for home insurance as an asset in this case
Insurance Buying Tips for Philadelphia Drivers
Check out these super saving tips for cutting car insurance costs and getting better auto coverage.
Your car insurance rate will depend on what neighbourhood in Philadelphia you live in and what route you might take to get to work. Those commutes to work is where the liability for the insurer is. Longer commutes raise the likelihood of an accident and an insurance claim. Not much you can do about where you live and work, however insurance companies rate the liability differently. Some companies don’t want your business and thus raise their rates, while others are eager to have you on board and will offer the lowest quote. The ones who are more aggressive in getting visibility online and offering you a visibly lower quote are your best choices.
Finding the best auto insurance in Philadelphia isn’t all that hard.
Just keep persisting in searching and they will get in front of you on your screen. We can’t say it strongly enough, that persistence is the key. Set aside a good amount of time for searching for insurance and have a spreadsheet ready to record the prices they quote. Collect at least 8 quotes from insurers so you can feel assured that you’ve done your best.
It’s a good feeling to know you put the effort into finding and saving. Savings of $10,000 over 6 years is possible as explained in the savings post.
It’s your right to be the lowest auto insurance quote possible.
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