Feeling guilty for buying overpriced auto insurance? Trust us, you're not alone.

It's astonishing, but most drivers renewed their policy with the same company for over three years, and 38% of drivers have never quoted auto insurance rates at all. Pennsylvania consumers could cut their rates by up to 55% a year, but most tend to underestimate how much they could save if they bought a different policy. There are many insurance companies to buy insurance from, and although it's nice to have multiple companies, having more insurers makes it harder to locate the cheapest rates.

Buying the cheapest car insurance in Pottstown is actually not that difficult if you follow our advice. If you have a policy now or just want to save money, use these techniques to lower your rates while maximizing coverage. You just need to use how to compare rates over the internet.

Companies offering competitive rates in Pennsylvania

The companies in the list below have been selected to offer price comparisons in Pennsylvania. If you want to find cheap car insurance in Pennsylvania, it's a good idea that you visit as many as you can to get the lowest price.

Insurance Rates for Popular Vehicles in Pottstown
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 4WD $832 $416 $69
Chevrolet Malibu LS $876 $438 $73
Chevrolet Silverado LT Extended Cab 2WD $920 $460 $77
Dodge Ram Quad Cab TRX4 Off Road 2WD $962 $481 $80
Ford Edge Limited 2WD $1,230 $615 $103
Ford Escape Limited 2WD $862 $431 $72
Ford F-150 Lariat King Ranch 2WD $1,062 $531 $89
Ford Focus SEL 4-Dr Sedan $1,062 $531 $89
Ford Fusion SEL 4-Dr Sedan $1,108 $554 $92
Honda Accord EX 2-Dr Coupe $1,246 $623 $104
Honda CR-V EX-L 2WD $900 $450 $75
Honda Civic SI 4-Dr Sedan $1,228 $614 $102
Mazda 3 I Sport 4-Dr Sedan $1,170 $585 $98
Nissan Altima 2.5 S 2-Dr Coupe $1,182 $591 $99
Toyota Camry LE $920 $460 $77
Toyota Corolla XRS $1,242 $621 $104
Toyota Prius $844 $422 $70
Toyota RAV4 Limited 4WD $990 $495 $83
Toyota Tacoma Double Cab TRD Sport Package 4WD $872 $436 $73
Volkswagen Jetta 2.0T 4-Dr Sedan $1,082 $541 $90
Get Your Own Custom Quote Go

Price data assumes single male driver age 30, 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. Rates do not factor in the specific area where the vehicle is garaged which can modify premiums significantly.

Comparison of car insurance rates by gender

The information below shows the difference between auto insurance rates for male and female drivers in Pottstown. The data is based on a clean driving record, no at-fault accidents, comp and collision included, $100 deductibles, drivers are single, and no additional discounts are factored in on a Nissan Altima 2.5 S.

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

Comparison of policy deductibles

The example below demonstrates how deductible levels and can raise or lower Toyota Corolla insurance premiums for different insured age categories. The data assumes a married male driver, comp and collision included, and no discounts are factored in.

Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.

Save money with these rate reducing discounts

Companies that sell car insurance don't always list every policy discount in a way that's easy to find, so we researched a few of the more common in addition to some of the lesser obvious credits available to bring down your rates. If they aren't giving you every credit you deserve, you're paying more than you need to.Save money with discounts

A quick disclaimer, some of the credits will not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like comp or med pay. Even though it may seem like you can get free auto insurance, insurance companies wouldn't stay in business.

Companies and some of their more popular discounts are included below.

If you want the cheapest Pottstown auto insurance quotes, ask each insurance company which discounts can lower your rates. Some credits might not be available to policyholders in Pottstown. If you would like to see a list of auto insurance companies with discount auto insurance rates in Pennsylvania, click this link.

Make smart decisions and lower your rates

Lots of things are used when you get your auto insurance bill. Most are fairly basic such as traffic violations, but other criteria are more transparent like your vehicle usage or how financially stable you are. One of the most helpful ways to save on insurance is to to have a grasp of some of the elements that help calculate the price you pay for insurance. When you understand what influences your rates, this enables you to make decisions that could result in cheaper rates.

The itemized list below are some of the major factors companies use to determine rates.

Never let your insurance policy expire - Driving without insurance coverage in place can get you a ticket and insurance companies will penalize you for letting your insurance expire. Not only will you pay more, getting caught without coverage could earn you a revoked license or a big fine.

Rural vs Urban Areas - Living in a small town is a good thing when insuring your vehicles. Drivers in populated areas regularly have congested traffic and higher rates of accident claims. Fewer drivers means less chance of accidents in addition to fewer liability claims.

When should you file a claims? - Auto insurance companies in Pennsylvania provide the best rates to policyholders who only file infrequent claims. If you file a lot of claims you can look forward to increased rates or even have your policy non-renewed. Your insurance policy is designed for claims that pose a financial burden.

Pay less with a high NHTSA crash test rating - Safer cars tend to have better insurance rates. Vehicles engineered for safety help reduce the chance of injuries in an accident and lower injury rates means lower claim amounts passed on to you as lower rates.

Females pay lower costs - Statistics show females are less aggressive when driving. It does not mean women are BETTER drivers than men. Males and females get in at-fault accidents at a similar rate, but men get into accidents with more damage. Men also get ticketed for serious violations like reckless driving and DUI.

Stress out and pay more - Did you know that where you work can have an impact on rates? Careers like lawyers, airline pilots, and dentists tend to have higher average rates in part from high stress and incredibly demanding work hours. On the other hand, professions such as scientists, historians and the unemployed have the lowest average rates.

Do I need an insurance agency?

Certain consumers still like to talk to a local agent and that is a smart decision Insurance agents are very good at helping people manage risk and give you someone to call. One of the benefits of comparing auto insurance online is the fact that you can find better rates and still have a local agent.

Find insurance agent in PottstownAfter completing this simple form, your information is submitted to companies in Pottstown who want to provide quotes for your coverage. You don't have to leave your computer because prices are sent to your email. If for some reason you want to compare prices for a specific company, don't hesitate to find their quoting web page and fill out the quote form the provide.

Finding the right insurance company requires you to look at more than just the premium amount. These are some valid questions you should ask.

If you need to find a good Pottstown insurance agent, there are a couple of types of agencies that you can select. Auto insurance policy providers can either be exclusive or independent. Both types of agents can write auto insurance policies, but it's a good idea to understand the difference in how they write coverage because it can impact your selection of an agent.

Exclusive Insurance Agencies

These agents normally can only provide a single company's rates such as Farmers Insurance, American Family, State Farm and Allstate. They generally cannot give you multiple price quotes so they have no alternatives for high prices. Exclusive insurance agents receive extensive training on sales techniques which helps them sell on service rather than price.

Independent Insurance Agents

Agents of this type do not work for one specific company and that gives them the ability to insure with any number of different companies and possibly get better coverage at lower prices. To move your coverage to a new company, they simply move your policy to a different company and you don't have to switch agencies. If you need lower rates, it's a good idea to compare quotes from several independent insurance agents to get the most accurate price comparison.

Once you have received answers to your satisfaction to any questions you have as well as a affordable price, you may have just found a car insurance agent that can be relied on to adequately provide auto insurance. Just keep in mind once you purchase a policy you can cancel your coverage whenever you choose to so never assume you are locked into a specific company for any length of time.

Car insurance myths debunked

Pennsylvania drivers can't get away from ads for the lowest price car insurance from companies such as 21st Century, Allstate and State Farm. They all tend to make the same promise that you'll save big if you switch your policy.

How is it possible that every company can give you a lower rate on car insurance?

Car insurance companies have specific guidelines for the type of customer that earns them the most money. An example of this type of insured might be a mature driver, has a clean driving record, and drives a safe vehicle. Any driver who meets those qualifications will probably get the lowest premium rates and will probably save when they switch companies.

People who do not meet these stringent criteria will see higher premiums and the prospect going elsewhere. The wording the ads use say "drivers that switch" but not "everyone who gets a quote" can get the lowest rates when switching. That is how companies can make claims that they all have the best prices. Because every company is different, it is so important to quote coverage with many companies. It's just not possible to know the company that will give you the biggest savings.

Vehicle claim statistics

Which vehicle models have severe claims? The statistics below show the worst and best vehicles for likelihood of having large claims for each type of coverage listed.

Lowest and Highest Comprehensive Insurance Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Chevy Silverado 2500 Audi S7
Ford F-350 Maserati Quattroporte
Infiniti QX50 Porsche Panamera GTS
Volvo V60 BMW M6
Nissan Xterra Maserati Granturismo
Chevy Spark BMW M6

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Collision Insurance Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Smart ForTwo Ferrari 458
Nissan Xterra BMW M6
GMC Canyon Nissan GT-R
Chevrolet Colorado Maserati Granturismo
Ford F-250 SuperCab Audi RS7
Ford Edge Bentley Continental Flying Spur

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Vehicle Models with the Lowest and Highest Medical Payment Claims
Lowest Claim Amount Highest Claim Amount
Ford F-250 SuperCrew Kia Forte
Ford Expedition Chevrolet Sonic
Chevrolet Silverado 2500 Chrysler 200
Audi A4 Allroad Mitsubishi Lancer
Ford F-350 SuperCrew Hyundai Accent
Land Rover Range Rover Sport Dodge Charger

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Auto Insurance Liability Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Subaru Forester Dodge Charger
Subaru Outback Mitsubishi Lancer
Acura MDX Mitsubishi Mirage
Fiat 500 Kia Optima
Volvo XC60 Chevrolet Cruze
Mercedes-Benz SL Class Kia Rio

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Find affordable rates by being thorough

Affordable insurance in Pottstown can be found online in addition to many Pottstown insurance agents, so you should compare both so you have a total pricing picture. Some insurance companies may not have rates over the internet and most of the time these smaller companies prefer to sell through local independent agents.

You just learned some good ideas how you can lower your insurance premium rates in Pottstown. The key concept to understand is the more times you quote, the better likelihood of getting cheap Pottstown auto insurance quotes. You may even discover the lowest priced insurance comes from an unexpected company. These companies can often provide lower prices in certain areas as compared to the big name companies such as GEICO and State Farm.

More information is located at the links below