Posts Tagged ‘ Pennsylvania ’

How to buy car insurance

Purchasing the right auto insurance can be confusing, especially for first-time buyers. Here are a few tips to help you learn some of the basic elements that can help you get the most for your money and feel confident that you have the right coverage. The most important thing to do is learn – ask your insurance agent questions, make comparisons and never make the costly mistake of driving without car insurance.

Our Insurance Services experts offer the following tips:

  1. Be a safe driver. Drivers with good driving records can save as much as 60 percent over drivers who cause accidents.
  2. Enroll in a driving class. Drivers who complete a state-approved defensive driving course, or drivers under the age of 21 who take a driver training course either through their high school or elsewhere, could qualify for savings.
  3. Buy a car that includes safety features such as anti-lock brakes, alarms or other security features like airbags and automatic seat belts.
  4. Consider a higher deductible. A deductible is what you pay out of your own pocket before the insurance policy kicks in. A higher deductible could mean less expensive premiums.
  5. Eliminate unnecessary coverages. If you drive an older car with little cash value, consider eliminating “collision” or “comprehensive” coverage which pays for damage to or theft of your car.
  6. Insure more than one car with the same company and you may be eligible for savings.
  7. Insure your car and home (or get your renter’s insurance) through the same company and you could be eligible for multi-policy discounts.
  8. Ask about low-mileage discounts if you car pool or do not put a lot of miles on your car annually.
  9. If you are a student, ask about student discounts for completing a behind-the-wheel training at school and for qualifying grade point averages. There could also be discounts if a driver in your household is living away at college and not driving as much.
  10. Buy a safer car that will cost less to repair and less to insure. Research crash-test reports, repair records and manufacturer recalls of any car you’re thinking about buying.

How would you like a free car insurance quote? If you need insurance or have questions, one of our personal insurance representatives are available to assist you. Give us a call at (800) 283-2328, ext. 5218. Members 1st Insurance Services is an independent insurance agency working for you and is available only to residents of Pennsylvania.

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