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Allentown, PA

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Auto Insurance Allentown

Saving money on your auto insurance in Allentown is not as hard as you may think. Here are some suggestions for getting the best auto insurance coverage without paying an arm & a leg for it.

Compare policies: Auto insurance policies are not a “one size fits all”. We all have different needs when it comes to what has to be insured and for how much. One insurance company may not cover your specific needs within the scope of their standard policy and you may end up paying more for adding it on. Contact different insurance carriers until you find the one that fits you.

Compare insurance carriers: It is not always advisable to go for the “cheapest” car insurance. Research the different auto insurance carriers in Allentown and read customer reviews. More importantly, read how they handle claims and pay outs. What saves you a few dollars each month could cost you more if you have an accident and you need to rent a car for an extended period of time because your insurance carrier moves too slowly.

Get an emergency fund: For minor car repairs, it is sometimes better to pay for it out-of-pocket versus issuing a claim through your insurance, which could potentially raise your rates and take longer to have fixed.

Research auto insurance before buying a car: If you are looking to buy a car in Allentown, shop around for auto insurance first. Auto insurance is required by state law, so it is best to work the monthly cost into your budget along with the monthly cost of the vehicle. Keep in mind, the newer the car and especially the sportier and faster the car, the higher your insurance rates will be. If you simply have to have the sports car, perhaps look at a used vehicle. The cost of insurance reduces for older cars.

Get a higher deductible: Insurance companies need to make their money somewhere. If you choose a lower deductible (which reduces the amount you pay when a claim is filed, and increases the pay-out from the insurance carrier) then your monthly premiums will be very high. The higher the deductible, the less the insurance company has to pay-out initially when a claim is filed, then the less your monthly premium will be. Make sure that you have an emergency fund or enough cash available to cover the higher deductible though.

Reduce your coverage: If you drive an older vehicle, then it doesn't make sense to have it insured for 10 times the value. The policy you purchased when you bought your car may no longer fit your needs. Revisit your insurance provider and ask that your needs be reassessed.

Ask for discounts: Insurance carriers do not always tell you about certain discounts they have available, so ask. If you carpool or put less than 9,000 miles on your car per year or use your car infrequently, you may be eligible for discounts.

Consolidate your insurance policies: Some auto insurance companies in Allentown give discounts when you have more than one policy with them. If you have your car insurance, home insurance and life insurance with different companies then contact each one and ask them what the cost would be if you moved all three insurance policies with them. (Keep in mind life insurance coverage is based on health and age – so if you are significantly older or in poor health, you may not want to cancel this insurance)

Have good credit: People with poor credit are considered a high risk, since to the insurance company if you make poor choices financially then you may make poor choices while driving. (This may not be the truth, but since they do not know you personally, this is all they have to go by). If your credit is poor, then focus on repairing it by making timely payments and eliminate debt.

Find additional discounts: Insurers offer discounts to policyholders who have not had an accident or been ticketed for several years. There are also discounts if you take a defensive driving course. If you are a young driver and good student you can qualify for a discount.

Check your Allentown auto insurance policy on an annual basis. Assess your needs to determine if the policy you are paying for still meets your needs. Life changes constantly, make sure your coverage changes with you.

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