5 Unknown Things Car Insurance Companies Don’t Want You To Know

The Confusion of Car Insurance

The automotive industry has had significant changes over the past few years, from the ways cars are manufactured, the repair process, and even the insurance we get for our car. When determining what you are covered for under your insurance policy, this can also be very confusing. As someone seeking car repair, you have to deal with enough stress already. Why should car insurance be one of them? As a result, you also begin to wonder if they’re really on your side after all? 

Your insurance company promises to be your biggest advocate for collision repair. But when it’s time to get your car repaired, you may not have the level of protection you thought you had. You may even be entitled to different discounts that you were unaware of. Or maybe you are paying more than someone else, and you don’t know why. What else isn’t the insurance company telling you? 

The Unknown 

Here at 3D Collision Centers, we always get Pennsylvania drivers asking us all sorts of questions concerning their car insurance policy. Many times, they feel like an insurance company is doing everything but assist them during an already stressful time. As a result, you feel taken advantage of, and like no one is there to help. We are, which is why we are writing this for Pennsylvania drivers because you deserve to know. 

Here are 5 unknown things your insurance company doesn’t want you to know:

Check them out below: 

Where you live impacts your premium: Each state has a different car insurance premium. Pennsylvania is ranked #24 on the list of states with the highest insurance premium, so we’re pretty much in the middle. Michigan has the highest with an average annual premium of $2,693, with Maine only being $896 a year. 

The vehicle make and model matters: You may already know this, but the type of car that you drive plays a vital role in how much you’ll pay for your premium. Your car’s total value and even the safety rating factor in the cost (check with NHTSA to know just how safe your car is, as it might save you money with your insurance policy). Do you have any special features on your vehicle? That will also go towards the cost of your policy. 

How old (or young) you are affects your insurance premium: This one isn’t much of a secret. Age will play a role in how much you’re paying on your premium. The eldest and youngest drivers pay the most on average for their insurance premiums. What is not as broadcasted by insurance companies is your marital status, job, education level, and even gender affect your insurance rates. 

The car insurance is for the car, not you: Naturally, you might be a bit hesitant if someone wants to drive your car. However, the average car insurance policy covers the vehicle, not who is driving it. If someone other than yourself drives your car and they get in an accident, your insurance might kick in. However, this doesn’t apply for all car insurance companies, so its best to check with your policy before you let someone borrow your car. 

There are ways you can lower your rates: Your insurance company won’t tell you about the ways you can reduce your rates because, of course, they only see the money. Luckily, there are several different discounts available other than for Military personnel and good students. Here are a few unknown ways you can lessen how much you’re paying on your premium: 

       -Ask about available discounts, 

       -Always pay bills on time.  

       -Review your credit report. 

       -Drive carefully. 

       -Carefully choose whatever car you drive. 

Why Choose Us 

We at 3D Collision Centers know that Pennsylvania drivers are under enough stress dealing with the auto repair process. We are here to help with our team of highly skilled auto repair technicians who know the importance of following OEM repair procedures. In fact, our technicians are all I-CAR Gold Class certified, which is the highest level of certification an auto repair technician can receive.

We will work with you and your insurance company to make sure any question is answered. You deserve to take your car to a place where safety and quality are the top priorities in the repair process. That’s why we’re here to help and show you the 3D Difference. 

We have 7 different locations conveniently located across Delaware, Chester, and Montgomery counties so we can effectively serve our Pennsylvania customers. 

Feel free to give us a call at (877)-692-7776. For a list of the phone numbers for each of our 7 different locations and to schedule your free estimate, click here.

We look forward to hearing from you!