I can't think of a single person who looks forward to paying for auto insurance, in particular when they could find better prices if they shop around.

Sad but true, most consumers in Pennsylvania have bought auto insurance from the same company for at least four years, and 38% of customers have never quoted rates to find lower-cost coverage. Drivers in America can save almost 47% each year by just comparing rate quotes, but they just don't understand the amount of savings they would get if they replace their high priced policy. You have multiple auto 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.

It is always a good idea to quote other rates on a regular basis because prices are usually higher with each renewal. If you had the lowest price on auto insurance six months ago a different company probably has better rate quotes today. Ignore everything you know about auto insurance because you're about to learn how to use online quotes to lower your annual insurance bill.

Obtaining price quotes for the best car insurance in Chambersburg is easy if you know what you're doing. If you are insured now or just want cheaper coverage, use these tips to get lower rates and possibly find even better coverage. Smart shoppers just need to understand the most time-saving way to shop from many different companies.

Slash your auto insurance rates with discounts

Companies that sell car insurance don't always publicize every discount very clearly, so below is a list some of the more common and also the lesser-known discounts that you can inquire about if you buy Chambersburg car insurance online.Cheaper auto insurance with discounts

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think all those discounts means the company will pay you, it doesn't quite work that way. Any amount of discount will help lower your overall bill.

To find insurers that offer discounts in Chambersburg, click here to view.

How to get cheap insurance in Chambersburg, Pennsylvania

The companies in the list below provide price quotes in Chambersburg, PA. To buy cheaper auto insurance in Pennsylvania, it's a good idea that you get prices from several of them to get the best price comparison.

Insurance Rate Estimates for Popular Vehicles in Chambersburg
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LTZ Extended Cab 2WD $1,106 $553 $92
Dodge Ram Crew Cab TRX 4WD $1,168 $584 $97
Ford Escape Limited 2WD $992 $496 $83
Ford F-150 XL Regular Cab 4WD $1,070 $535 $89
Ford Focus SE 4-Dr Sedan $1,080 $540 $90
Honda Accord LX 4-Dr Sedan $836 $418 $70
Honda CR-V LX 4WD $764 $382 $64
Honda Civic VP 4-Dr Sedan $804 $402 $67
Kia Optima SX $1,186 $593 $99
Nissan Altima 3.5 SR 2-Dr Coupe $1,164 $582 $97
Toyota Camry SE $1,182 $591 $99
Toyota Corolla LE $1,092 $546 $91
Toyota Prius $1,042 $521 $87
Volkswagen Jetta 2.0T 4-Dr Sedan $1,048 $524 $87
Get Your Own Custom Quote Go

Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Price estimates do not factor in vehicle location which can impact premiums noticeably.

Car insurance deductibles

The illustration below illustrates how your deductible choice and can change Dodge Ram insurance rates for each age group. The premium estimates are based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.

Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.

Situations that may require an agent's advice

When quoting and comparing adequate coverage, there really is not a one-size-fits-all type of policy. You are unique.Car insurance savings

These are some specific questions might point out whether you might need an agent's assistance.

If you're not sure about those questions, you might consider talking to a licensed agent. If you don't have a local agent, take a second and complete this form. It is quick, free and can help protect your family.

Insurance agent or online?

Some people just want to have an agent's advice and that can be a smart move Insurance agents are trained to spot inefficiencies and help submit paperwork. The biggest benefit of getting online price quotes is that drivers can save money and get lower rates but still work with a licensed agent. Buying from and supporting local agents is still important in Chambersburg.

Insurance agency in ChambersburgOnce you complete this simple form, your insurance coverage information is emailed to agents in your area who will give you quotes for your car insurance coverage. You never need to leave your house because quoted prices will be sent directly to your email. If you have a need to compare rates from one company in particular, don't hesitate to visit that company's website and fill out the quote form the provide.

Selecting an company needs to be determined by more than just a cheap price. The questions below may impact your decision as well.

If you receive reasonable responses to all your questions as well as a affordable price, you may have just found an provider that meets the requirements to service your policy. Just keep in mind you can cancel a policy when you choose so don't assume you're contractually obligated to a policy with no way to switch.

Vehicle claim statistics

Which makes and models have the most claims? The next tables list the highest and lowest manufacturer models for overall likelihood of filing claims for each type of coverage.

Medical Payment Coverage Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Tesla Model S Chevrolet Spark
Chevrolet Silverado 2500 Nissan Versa
Ford F-350 SuperCrew Hyundai Accent
Ford Expedition Kia Forte
Chevrolet Silverado 3500 Nissan Sentra
Land Rover Range Rover Sport Chrysler 200

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

Collision Insurance Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Ford Edge BMW 6 Series
Ford F-250 SuperCab Nissan GT-R
Chevrolet Colorado BMW M6
Nissan Xterra Maserati Ghibli
GMC Canyon Bently Continental GT
Ford F-150 SuperCrew Maserati Granturismo

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

Vehicles with the Lowest and Highest Bodily Injury Liability Claims
Lowest Claim Frequency Highest Claim Frequency
Fiat 500 Chevrolet Impala
Chevrolet Corvette Hyndai Accent
Subaru Outback Dodge Charger
Acura MDX Chevrolet Cruze
Audi A6 Kia Rio
Subaru Forester Mitsubishi Mirage

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

Comprehensive Coverage Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Chevy Spark Audi S7
Volvo V60 Mercedes-Benz S Class
Ford F-350 Maserati Quattroporte
Chevy Silverado 2500 BMW M6
Infiniti QX50 Bentley Continental GT
GMC Sierra 2500 Bentley Continental GTC

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

Compare rates regularly to save

Insureds who switch companies do it for a number of reasons such as an unsatisfactory settlement offer, questionable increases in premium, not issuing a premium refund and even delays in responding to claim requests. It doesn't matter why you want to switch switching companies is actually quite simple.

Some insurance companies do not offer rates over the internet and these small insurance companies only sell coverage through independent agents. Affordable auto insurance in Chambersburg can be purchased online in addition to local insurance agencies, so you should be comparing quotes from both to have the best rate selection.

As you prepare to switch companies, don't be tempted to skimp on coverage in order to save money. There have been many situations where drivers have reduced full coverage only to regret at claim time that it was a big mistake. Your aim should be to find the BEST coverage at the best price, but do not sacrifice coverage to save money.

Additional auto insurance information is located below: