How many times have you said it's time to compare more competitive auto insurance rates in Norristown, PA? I doubt anyone loves paying for auto insurance, especially when they know their premiums are through the roof.
Unthinkable but true, 70% of consumers have remained with the same auto insurance company for at least four years, and approximately 40% of consumers have never even compared rates from other companies. With the average premium in the United States being $1,847, drivers could pocket roughly $850 a year just by getting comparison quotes, but they underestimate how much they could save if they bought a different policy.
Due to the abundance of options, it's nearly impossible to pick the right company.
Locating affordable auto insurance policy in Norristown is quite easy. Just about anyone who needs lower cost auto insurance will be able to save money. But Pennsylvania drivers must learn the way insurance companies sell insurance online because rates are impacted by many factors.
Affordable auto insurance in Norristown, PA
The companies in the list below offer price quotes in Norristown, PA. If you want the best car insurance in Pennsylvania, we recommend you get price quotes from several of them to get the lowest price.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Equinox LTZ AWD||$1,428||$714||$119|
|Chevrolet Impala LTZ||$1,062||$531||$89|
|Chevrolet Silverado LT Crew Cab 4WD||$1,126||$563||$94|
|Dodge Ram Crew Cab ST 2WD||$1,126||$563||$94|
|Ford Escape Limited 4WD||$1,080||$540||$90|
|Ford Explorer Eddie Bauer AWD||$1,450||$725||$121|
|Ford F-150 Lariat Crew Cab Harley 2WD||$1,082||$541||$90|
|Ford Focus SE 4-Dr Sedan||$750||$375||$63|
|Honda Accord LX-P 4-Dr Sedan||$736||$368||$61|
|Honda CR-V LX 4WD||$648||$324||$54|
|Honda Civic EX-L 4-Dr Sedan||$1,272||$636||$106|
|Nissan Altima 2.5 S 2-Dr Coupe||$1,270||$635||$106|
|Nissan Rogue S 2WD||$1,230||$615||$103|
|Toyota Camry SE||$918||$459||$77|
|Toyota Corolla XLE||$1,508||$754||$126|
|Get Your Own Custom Quote Go|
Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Rate information does not factor in vehicle garaging location which can modify coverage prices substantially.
Bad driving habits will cost you more
The illustration below highlights how speeding tickets and accident claims increase Honda Pilot auto insurance costs for different insured age categories. Data assumes a single female driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.
Honda Pilot rates are for example purposes only. To get rates for your specific vehicle, click here.
Cost influencing factors
A large part of saving on auto insurance is knowing a few of the rating criteria that play a part in calculating your policy premiums. If you have some idea of what determines premiums, this enables you to make decisions that can earn you lower premium levels. Many things are taken into consideration when quoting car insurance. Most are fairly basic such as your driving record, although others are not as apparent such as your marital status or your financial responsibility.
The following are some of the most common factors auto insurance companies consider when setting your premiums.
Qualify for multi-policy discounts - Lots of auto insurance companies afford a discount to clients who consolidate policies with them, otherwise known as a multi-policy discount. This can amount to as much as ten percent or more Even if you qualify for this discount already, consumers should still shop around to make sure you are getting the best deal.
No policy lapses lowers premiums - Driving your car without having proper coverage is a big no-no and auto insurance companies will penalize you for letting your coverage have a gap. In addition to paying higher premiums, being ticketed for driving with no insurance might get you a hefty fine and possibly a revoked license. You may have to provide proof of insurance in the form of an SR-22 filing with the Pennsylvania motor vehicle department to get your license reinstated.
Less chance of injury means lower premiums - Cars with high safety ratings can get you lower premiums. These vehicles reduce injuries and fewer injuries means less claims paid and cheaper rates on your policy.
Prevent theft and reduce premiums - Owning a car with a theft deterrent system can help bring down rates. Theft prevention features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder your car from being stolen.
Cheaper rates for being claim-free - If you are the type of insured that files lots of claims don't be surprised to see much higher rates or policy non-renewal. Car insurance companies in Pennsylvania award lower rates to people who do not file claims often. Your car insurance is designed for larger claims.
Tickets cost more than a fine - Even one citation may cause rates to rise twenty percent or more. Good drivers get better rates as compared to careless drivers. People who have flagrant citations like reckless driving, hit and run or driving under the influence may face state-mandated requirements to prove financial responsibility with their state DMV in order to prevent a license revocation.
Get cheaper insurance with discounts
Some providers don't always list every policy discount very well, so the list below details a few of the more well known and also the more inconspicuous savings tricks you should be using when you buy Norristown auto insurance online. If you're not getting every credit you qualify for, you are throwing money away.
- Driver's Ed - Have your child enroll and complete driver's education if it's offered in school.
- Defensive Driver Discount - Completing a class that teaches safe driver techniques is a good idea and can lower rates depending on where you live.
- Safe Driver Discounts - Drivers who don't get into accidents can save up to 40% or more on their Norristown auto insurance quote than drivers with accident claims.
- Government Employees - Being employed by or retired from a federal job could qualify for a slight premium decrease with a few insurance companies.
- Paperless Signup - A few larger online companies will give a small break for signing up digitally online.
- Save with a New Car - Buying coverage on a new vehicle can get you a discount compared to insuring an older model.
It's important to understand that most of the big mark downs will not be given to the overall cost of the policy. Most only cut the price of certain insurance coverages like comp or med pay. Despite the appearance that all those discounts means the company will pay you, that's just not realistic.
To choose insurance companies that offer the discounts shown above in Pennsylvania, follow this link.
Tailor your car insurance coverage to you
Always remember that when buying a policy, there really isn't a perfect coverage plan. Coverage needs to be tailored to your specific needs.
These are some specific questions may help you determine whether or not you would benefit from professional advice.
- What does UM/UIM cover?
- What are the financial responsibility laws in my state?
- Am I insured when driving a different vehicle?
- Do I have coverage if I rent a car in Mexico?
- Do I have coverage when making deliveries for my home business?
- Does my policy cover me if I wreck while driving under the influence?
- I have good health insurance, so how much medical payments coverage do I need?
If you're not sure about those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.
How much can you save?
Consumers who switch companies do it for a number of reasons such as being labeled a high risk driver, policy cancellation, an unsatisfactory settlement offer and delays in paying claims. No matter why you want to switch, finding a new company is pretty easy and you might even save some money in the process.
We just covered many tips how you can find cheaper coverage online. The key concept to understand is the more rate quotes you have, the better chance you'll have of finding affordable Norristown auto insurance quotes. Consumers may even find the lowest priced car insurance comes from the least-expected company.
More affordable car insurance in Norristown is available from both online companies in addition to many Norristown insurance agents, and you need to comparison shop both in order to have the best chance of saving money. A few companies may not have the ability to get a quote online and usually these regional insurance providers sell through independent agents.
For more information, feel free to browse the following helpful articles:
- Tools for Teen Driving Safety (State Farm)
- Who Has Affordable Pennsylvania Auto Insurance Rates for Low Credit Scores? (FAQ)
- Who Has the Cheapest Pennsylvania Car Insurance Quotes for a Dodge Ram? (FAQ)
- What Car Insurance is Cheapest in Harrisburg, Pennsylvania? (FAQ)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- What Does No-Fault Insurance Cover? (Allstate)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- Your Car has been Stolen: Now What? (Allstate)