This summer, millions of Americans are choosing to vacation at home.  And this year thousands upon thousands of Pennsylvanians will choose “staycations” as well.  After all, we Pennsylvanians have the most wonderful vacation spots right here in our own backyards.  We can make our own adventure travel in the mountains, explore the finest historical sites, or take the scenic route by heading to Amish country. 

But before trekking down the highway, take a moment to think about what the summer vacation season means for driving in the state of Pennsylvania.  The price of gasoline is up and traffic seems to be much more congested.  So there couldn’t be a better time to review your pennsylvania car insurance to look for savings. 

 

1.    Review your deductible.

Almost every auto insurance policy requires you to pay a deductible.  The thing is, the lower deductible you select on your policy, the higher your premiums will be.  And in the opposite, the higher a deductible you agree to take on, the lower your monthly premiums will be.  And sometimes the difference can be significant.  When you agree to purchase a policy with a higher deductible, your premium savings generally start at 10 percent and go up from there.   This savings can seriously add up year after year.  And if you have a clean driving record and you know you do not have a propensity for careless driving, then why not agree to an addition $100 or $200 on your deductible.  Do the math, and realize the savings.

 

2.    Add an additional driver.

Here’s a little known fact that may surprise you.  When you add another driver to your policy, you may actually lower your car insurance rates rather than raise them. For example, my husband is a seasoned driver with a fantastic driving record.  In fact, he has never been in an accident and hasn’t had any moving violations in over ten years. By adding him to my policy, my annual premiums were reduced by around $50 a year.

 

3.    Protect your car.

You can obtain a discount from your insurance carrier by taking some small steps to safeguard your car.  For example, reduce the risk of accidental damage to your car or theft by keeping your car in your garage.  That may mean having to spend a Saturday cleaning it out, but you could save 5 percent on your premiums by having a garage-kept vehicle.

 

4.    Pay annually, not monthly.

If you can afford it, do it.  Many insurance companies offer meaningful discounts for paying your policy in one lump some.  Many auto insurers charge monthly billing fees just to send you a monthly invoice.  This fee can be as much as an additional $10 a month.  Get rid of that excess and pay it all up front.  It’s one of the easiest ways to lower your car insurance rates.

 

5.    Do some shopping around.

Do not just renew your existing policy without doing some price comparisons first.  Obtain several quotes from several different companies.  You can present cheaper quotes to your current insurer and they may reduce your rates. We’d be glad to give you our best rates on pennsylvania auto insurance from many companies we represent.