If you watch television and drive around the city you’re sure to have seen the many ads stating that Progressive Insurance offers you the best Keystone auto insurance at the lower rates. The numerous ads make you think that you will get the best deal ever in auto insurance with Progressive Insurance.
As usual advertising ads do not always tell you everything. Always some very important details are left out. They don’t tell you all there is to know. They leave out the fact that their comparisons are made with companies that are not the lowest priced companies around. The fact is that they don’t actually compare themselves with the lowest-prices Village auto insurance companies.
The truth is you may easily beat Progressive’s quotes by 20-40% without even trying very hard if you comparison shop all the insurance companies on the internet and find the lowest priced companies yourself. But before doing that you might be able to find up to 40% lower prices if you take the following into consideration.
First of all, if you are married you can save a lot on your premiums by listing the wife as the primary driver on your policy with the husband being the secondary driver. Statistics show that women driver fewer miles than men and get into fewer accidents so women always have lower premiums.
Another factor in calculating your premium is the number of rush hour miles you drive to and from work. To reduce the number of miles you drive you could join a carpool. Carpooling with just one other person will cut your rush hour driving in half making your monthly premium considerably lower. You could also take some sort of public transportation if available in your neighborhood.
If you can increase any of your deductibles it will greatly reduce your auto insurance monthly premium. Just keep in mind that you shouldn’t reduce any deductible too much because if you get into an accident you might have to pay more than you can afford at pay at one time. At the time of an accident you might not have extra money on hand to pay a large deductible and this could add stress on top of the accident.
The biggest way to save money could possibly be to actually change auto insurance companies if you do your homework on the internet to find a company that has much lower premium rates than Progressive Insurance.