Do you want a faster way to compare more affordable car insurance rates in Lansdale, PA? Wish you could get out of overpriced car insurance? It's quite common and there are a lot of people in Lansdale just like you who feel imprisoned by their car insurance policy.

Remarkably, a study showed that most drivers in Pennsylvania have stayed with the same insurance company for at least four years, and virtually 40% of consumers have never compared quotes from other companies. American drivers could cut their rates by up to $859 a year, but they underestimate the benefits if they changed companies. You have multiple car insurance companies to purchase coverage from, and though it is a good thing to have multiple companies, lots of choices makes it harder to find the lowest cost provider.

Get cheap auto insurance with discounts

Auto insurance companies don't list all possible discounts very clearly, so here is a list a few of the more common and the more hidden credits that you can use to lower your rates.Discount auto insurance

Don't be shocked that most discount credits are not given to the whole policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So when it seems like you can get free auto insurance, it just doesn't work that way.

The best auto insurance companies and a summarized list of policyholder discounts can be read below.

When getting free Lansdale car insurance quotes, it's a good idea to each company or agent which discounts can lower your rates. All car insurance discounts might not be offered on policies in Lansdale. If you would like to view insurers who offer cheap auto insurance quotes in Lansdale, click here.

Ways to get insurance quotes in Lansdale, PA

Reducing your insurance rates can be relatively painless. All you need to do is take a few minutes comparing rates to discover which company has cheaper Lansdale car insurance quotes.

It's so simple to compare insurance price quotes online makes it a waste of time to waste gas driving to different Lansdale agent offices. The ability to get quotes online has made agencies unnecessary unless your situation requires the guidance of an agent trained in personal lines coverage. Although you can comparison shop online but buy from a local Lansdale insurance agent.

The companies shown below have been selected to offer price quotes in Lansdale, PA. In order to find cheap auto insurance in Pennsylvania, we suggest you get price quotes from several of them to get the best price comparison.

Insurance Rates for Popular Vehicles in Lansdale
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 2WD $1,230 $615 $103
Chevrolet Malibu Hybrid $990 $495 $83
Chevrolet Silverado LTZ Crew Cab 4WD $820 $410 $68
Dodge Ram Crew Cab Laramie 2WD $910 $455 $76
Ford Escape XLS 4WD $840 $420 $70
Ford F-150 Lariat Crew Cab Harley 4WD $1,582 $791 $132
Ford Focus SES 2-Dr Coupe $1,120 $560 $93
Honda Accord EX 4-Dr Sedan $648 $324 $54
Honda CR-V EX-L 2WD $1,140 $570 $95
Honda Civic GX 4-Dr Sedan $1,294 $647 $108
Nissan Altima 3.5 SR 2-Dr Coupe $1,018 $509 $85
Nissan Rogue S AWD $1,338 $669 $112
Toyota Camry LE $854 $427 $71
Toyota Corolla S $1,196 $598 $100
Toyota Prius $840 $420 $70
Toyota RAV4 2WD $854 $427 $71
Get Your Own Custom Quote Go

Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Information does not factor in specific location which can lower or raise insurance rates considerably.

Car insurance prices based on gender

The diagram below illustrates the comparison of auto insurance costs for male and female drivers in Lansdale. The data assumes no accidents or driving violations, full physical damage coverage, $250 deductibles, marital status is single, and no discounts are applied to the premium on a Hyundai Elantra Blue.

Hyundai Elantra rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

You may need specialized insurance coverage

When it comes to choosing the right insurance coverage, there really isn't a "perfect" insurance plan. Everyone's situation is unique.Safe vehicles cost less to insure

For example, these questions could help you determine if your situation might need professional guidance.

If it's difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, complete this form. It is quick, free and may give you better protection.

Compare rate quotes but still have a local Lansdale insurance agency

Many people still like to buy from a local agent and that is a personal choice. Experienced insurance agents can make sure you are properly covered and help in the event of a claim. One of the great benefits of getting online price quotes is the fact that you can find cheaper prices but still work with a licensed agent.

Once you complete this simple form, the quote information is submitted to local insurance agents that can provide free Lansdale car insurance quotes to get your business. There is no reason to find an agent since price quotes are sent to the email address you provide. If you wish to quote rates for a specific company, just jump over to their website and submit a quote form there.

Deciding on an insurer should include more criteria than just a cheap quote. Ask your prospective agent these questions:

Do you need an independent or exclusive auto insurance agent?

If you prefer to buy auto insurance from a local Lansdale insurance agent, you should know the different types of agents and how they work. Auto insurance policy providers are classified as either independent agents or exclusive agents. Both write auto insurance policies, but it is important to understand the difference in the companies they write for because it can factor into the kind of agent you use.

Exclusive Agencies

Agents of this type generally can only insure with one company such as AAA, State Farm, Farmers Insurance, and Allstate. These agents are not able to compare rates from other companies so you might not find the best rates. Exclusive agencies are well trained in insurance sales and that can be a competitive advantage.

Independent Agents (or Brokers)

Independent agencies are not employed by any specific company so they have the ability to put coverage with multiple insurance companies and potentially find a lower price. If you are not satisfied with one company, they simply switch companies in-house and you stay with the same agent. When comparing auto insurance prices, we highly recommend that you contact at least one independent agent to get the best comparison.

Upon receiving good feedback to these questions as well as an affordable premium quote, chances are good that you have found an auto insurance agent that meets the requirements to properly insure your vehicles. Keep in mind policyholders can cancel a policy whenever you wish so don't feel you're contractually obligated to a specific company indefinitely.

Why you need quality insurance for your vehicle

Even though rates can get expensive, maintaining insurance may be required and benefits you in several ways.

The benefits of buying insurance greatly outweigh the cost, especially if you ever need it. Despite what companies tell you, the average driver is currently overpaying as much as $825 a year so compare rate quotes once a year at a minimum to be sure current rates are still competitive.

Specific coverage details

Having a good grasp of your policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Comprehensive auto coverage - Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like rock chips in glass, hail damage, a tree branch falling on your vehicle and fire damage. The most 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 it's not worth carrying full coverage.

Liability - Liability insurance will cover damages or injuries you inflict on other people or property in an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 15/30/5 which means a limit of $15,000 per injured person, a per accident bodily injury limit of $30,000, and property damage coverage for $5,000.

Liability insurance covers things such as court costs, loss of income, funeral expenses and bail bonds. How much coverage you buy is a personal decision, but buy as much as you can afford. Pennsylvania state law requires minimum liability limits of 15/30/5 but it's recommended drivers buy more coverage.

Collision coverage - Collision insurance covers damage to your vehicle resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like crashing into a ditch, damaging your car on a curb and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage - Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your vehicle.

Due to the fact that many Pennsylvania drivers only purchase the least amount of liability that is required (15/30/5), their limits can quickly be used up. So UM/UIM coverage is very important.

Medical payments and PIP coverage - Medical payments and Personal Injury Protection insurance pay for bills for things like rehabilitation expenses, X-ray expenses, EMT expenses and funeral costs. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Vehicle claim statistics

Which vehicles have good claim ratings? The following tables show the best and worst vehicle models for overall likelihood of having to file claims for each type of coverage.

Lowest and Highest Comprehensive Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Volvo V60 Audi S7
Infiniti QX50 Bentley Continental GT
Smart ForTwo Maserati Granturismo
Chevy Spark Maserati Quattroporte
Ford F-350 Bentley Continental GTC
GMC Sierra 2500 Porsche Panamera GTS

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Lowest and Highest Bodily Injury Liability Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Subaru Forester Dodge Charger
Subaru Outback Chevrolet Sonic
Mercedes-Benz SL Class Chevrolet Impala
Acura MDX Kia Optima
Audi A6 Chrysler 200
Volvo XC60 Mitsubishi Lancer

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Lowest and Highest Collision Coverage Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Jeep Wrangler Bently Continental GT
Mini Cooper BMW M6
Smart ForTwo Bently Continental GTC
Ford F-150 SuperCrew Maserati Granturismo
Ford Edge Maserati Ghibli
Ford F-250 SuperCab Nissan GT-R

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Manufacturer Models with the Lowest and Highest Medical Payment Insurance Claims
Lowest Claim Frequency Highest Claim Frequency
Land Rover Range Rover Sport Chrysler 200
Audi A4 Allroad Dodge Charger
Ford F-350 SuperCrew Nissan Sentra
Ford F-250 SuperCrew Mitsubishi Lancer
Tesla Model S Kia Forte
Chevrolet Silverado 2500 Chevrolet Sonic

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

The best rates come from being thorough

You just read some good ideas how you can shop for car insurance online. The key thing to remember is the more you quote Lansdale car insurance, the higher the chance of saving money. You may even be surprised to find that the lowest priced car insurance comes from some of the lesser-known companies.

Budget-friendly car insurance in Lansdale can be purchased from both online companies in addition to many Lansdale insurance agents, and you should be comparing both to get a complete price analysis. There are still a few companies who may not offer online quoting and usually these small, regional companies provide coverage only through local independent agencies.

As you shop your coverage around, make sure you don't buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced liability coverage limits only to regret that the savings was not a smart move. Your focus should be to find the BEST coverage at a price you can afford.

Additional car insurance information is located at the links below