Getting Lower Premiums on Car Insurance in Harrisburg PA

by | Mar 28, 2014 | Insurance

There are a number of ways that consumers can save money when purchasing Car Insurance Harrisburg PA from the Strock Insurance Agency. For example, increasing the deductible on collision and comprehensive coverage can be a good way for many consumes to save money on auto insurance. Another good way to save money is to remove coverage options with limited benefits. Finally, maintaining a good driving record can make a big difference when trying to get low premiums on auto insurance.

The deductible is the amount that the insured person has to pay in a collision or comprehensive claim before the insurance company will pay anything. If the deductible is higher, it will be more difficult for the motorist to file a claim. That is why collision and comprehensive policies with higher deductibles will result in lower premiums. For some drivers choosing certain insurers, the savings could be substantial. That is why most consumers should consider increasing the deductible on their collision and comprehensive coverage.

There are a lot of coverage options included with Car Insurance Harrisburg PA that can be handy such as tow truck expense reimbursement, rental car reimbursement, and medical expenses. However, they cost extra money. Furthermore, having to pay these expenses will not result in a financial catastrophe for most families. That is why it is good to remove coverage options that result in limited benefits when claims are made.

The most important factor in getting lower premiums on auto insurance is the motorist’s driving record. Those that have no traffic citations and at-fault accidents over the past few years will have the ability to get the lowest premiums from insurers. Those who having an accident or a traffic ticket will pay a little bit more in premiums for coverage. A second ticket or at-fault accident often causes premiums to increase dramatically. Maintaining good driving habits such as not speeding and not following too close to the car in front can be very helpful in avoiding both accidents and traffic tickets.

Auto insurance is one of the few products on the market where the consumer can have a significant influence on the cost. Picking the right coverage options, the right deductible, and maintaining a good driving record are all controllable by the consumer. A consumer who does all of these things can get big savings when purchasing car insurance.


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