PA Auto Insurance: Obtaining Policy Discounts

While our experience has shown us that giving up coverage is not the way to save money on auto insurance, there are several other ways that you can cut costs.

Check with your insurance company representative to see if you qualify for any discounts available if:

• your vehicle is equipped with passive seat belts
• your vehicle has one or more air bags
• your vehicle has a passive anti-theft device
• your vehicle has an anti-lock braking system
• your vehicle is a standard model versus a sports or high performance vehicle
• you have an excellent or superior insurance score – credit rating
• you are a teenager who passes an approved driver’s education course
• you have high valued vehicles (agreed value) – some carriers give superior risk credits
• you are 55 years or older and take a driver improvement course
• you are a safe driver with a good driving record
• you hold multiple vehicle policies (including company cars)
• you have low mileage vehicles used for limited miles during the year i.e. Collector vehicle
• you maintain higher deductibles for comprehensive insurance and collision insurance
• you write your automobile and homeowners through the same carrier
• you are a low mileage driver
• you are a student with good grades
• you are a youthful non-principal driver i.e. students over 100 miles away from home

Comparison shopping for an insurance company that will give you the best price. Coverage costs can vary by hundreds of dollars.

Asking for higher deductibles on collision and comprehensive coverage can substantially lower your costs.

Dropping collision and/or comprehensive coverage on older cars worth less than $1,000. Any claim you make would not greatly exceed the annual cost of the coverage plus the deductible amount.