7 Discounts Butler Drivers Neglect when Quoting Car Insurance on the Internet

Buying affordable Butler car insurance on the internet may be somewhat difficult for consumers not familiar with comparing rates online. When there are so many choices, how can consumers even start to compare every company to locate the cheapest rates?

Consumers should take time to compare prices yearly because insurance rates change regularly. Despite the fact that you may have had the best rates last year you can probably find a lower rate today. There is a lot of wrong information about car insurance online but by reading this article, you’re going to learn some tested techniques to reduce your car insurance bill.

Automobile Insurance Quotes in Butler, PA

Getting a lower price on insurance doesn’t have to be difficult. The only thing you need to do is invest a little time comparing price quotes online from several insurance companies. This can be done in a couple of different ways.

• The first (and easiest) way consumers can analyze rates is to use a rate comparison form click here to open form in new window. This form eliminates the need for separate quote forms for each company you want a rate for. One simple form will get you price quotes from all major companies. Recommended for those who want to invest the least amount of time.
• A more time consuming way to compare rate quotes requires you to visit the website for every company you want to comare and request a quote. For sake of this example, let’s say you want to compare Auto-Owners, Farmers and Allstate. To find out each rate you need to visit each site and enter your information, and that’s why the first method is more popular.

  For a list of links to insurance companies in Butler, click here.

Whichever way you use, make darn sure you compare identical deductibles and coverage limits on every quote you get. If you use higher or lower deductibles then you won’t be able to truly determine the lowest rate in Butler.

Discounts can save BIG

Companies don’t list all available discounts very well, so we took the time to find some of the best known and the harder-to-find savings tricks you should be using. If you don’t get every credit possible, you’re paying more than you need to.

• Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
• Bundle and Save – When you combine your home and auto insurance with the same company you could get a discount of at least 10% off all policies.
• Homeowners Pay Less – Owning a house in Butler may trigger a car insurance policy discount because of the fact that having a home is proof that your finances are in order.
• Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
• Early Signing – Select companies give a discount for switching policies prior to your current policy expiration. This can save 10% or more.
• Student in College – Children who live away from home without a vehicle on campus may qualify for this discount.
• 55 and Retired – If you’re over the age of 55, you can possibly qualify for better car insurance rates.

Consumers should know that most of the big mark downs will not be given to the entire policy premium. The majority will only reduce the cost of specific coverages such as comp or med pay. So when the math indicates all those discounts means the company will pay you, you’re out of luck.

To choose insurance companies with discount car insurance rates in Butler, click here to view.

Car insurance coverage specifics

Understanding the coverages of your car insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Car insurance terms can be confusing and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many Pennsylvania drivers only purchase the least amount of liability that is required (which is 15/30/5), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Collision – Collision insurance pays for damage to your vehicle from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as damaging your car on a curb, hitting a mailbox and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive coverage – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from flooding, hail damage and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto liability – This coverage provides protection from injuries or damage you cause to a person or their property. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as repair bills for other people’s vehicles, repair costs for stationary objects and pain and suffering. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible. Pennsylvania requires drivers to carry at least 15,000/30,000/5,000 but you should think about purchasing more liability than the minimum.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like X-ray expenses, hospital visits, chiropractic care, funeral costs and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants as well as getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

For more Pennsylvania car insurance information

Even more information is available at the Pennsylvania Insurance Department website. Consumers can find out which companies have the most complaints, download brochures, and read state legal mandates and laws.