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In case you have a car and live in Pennsylvania, this will be an incredibly interesting article for you.Here’s why: as of this writing you can find 809 licensed PA auto insurance agencies (according to the Pennsylvania Insurance Department). You need to use one of these agencies to fulfill the PennsylvaniaMandatory Auto Insurance Law of 15/30/5 limits*. But you want to know something interesting?The chances are that you’re egregiously overpaying for insurance… by no fault of your own!The truth is, the insurance agencies have a vested interest in keeping certain facts from the generalpublic. They are for-profit businesses, after all.
But by knowing and making use of those facts there are a handful of simple “hacks” you can utilize to lower your PAcar insurance rates. The next few paragraphs expose some those hacks. Read on:
Do these items. Watch insurance rates tumble.
Be Wary of “The Secret Score”
Here’s something you might not know: these days, insurance agencies are very considering yourpayment history and credit score. Invasion of privacy? Maybe. Relevant to your rates? Yep.If your credit score is on the lower side, I suggest doing research on the dozens of “sneaky” ways toprop it up. Most methods are free to do, won’t take more than a fortnight and might just allow you to get a lowerinsurance rate.
Bundling Discount
As the name suggests, bundling is simply purchasing several different insurance products from a singlevendor. In exchange for your loyalty, the insurance agency will give you a discounted rate on all of theproducts.As an example, you get both your PA car insurance and your life insurance from the same company…thus lowering your rates on both. This is common practice, and applies to most insurance typesincluding health, property, homeowners and rental insurance.
Safety and/or Anti-Theft Discounts
Having anti-theft tools like LoJack, The Club, or a car alarm deters thieves. Additionally, they warm the cocklesof the insurance agency’s heart, incentivizing them to drop your rates faster than a bad habit. Likewise,safety related things like airbags, motorized seatbelts, anti-lock brakes and fuel shutoff devices will earnyou lower rates, if not impassioned love letters.
Stop Crashing
Common sense, yes? That’s why this “hack” gets last mention, but unfortunately it still has to bementioned. You get rewarded for keeping your vehicle in once piece. While accidents shoot your premiumsthrough the stratosphere, time elapsed sans fender-benders makes your rates go the opposite direction.
What they don’t tell you…
Is that lots of the above discounts only apply to comprehensive coverage. Every discount helps, butremember this when sitting at the agent’s desk anticipating your quote.And one more thing, before I close out here. I’ve steered away from writing about common knowledgetips. You know, things like “compare three (or more) insurance quotes” or “newer cars cost more toinsure.”
But as I get older I realize how uncommon “common knowledge” can be, so I include those tidbits nowas a parting gift. Good luck in your hunt for auto insurance in pa, and don’t forget to live life in the fastlane… but BELOW the speed limit!
* 15/30/5 stands for liability coverage of $15K for injury/death of one person, $30K for multiple people,and $5K for damaged property.