Top Ways to Save on Valparaiso Auto Insurance

Expensive auto insurance can take a big chunk out of your checking account and put a big crunch on your finances. Comparison shopping is free, only takes a few minutes, and is a good way to lower your monthly bill. Online insurance companies like GEICO and Progressive promote their brand names with ad campaigns and it is challenging if not impossible to sift through the bull and find the best price available.

It's important to get comparison quotes quite often because insurance rates are constantly changing. Just because you found the best price on your last policy there may be better deals available now. Forget anything you know (or think you know) about auto insurance because you're about to find out how to use online quotes to eliminate unnecessary coverages and save money.

Indiana auto insurance quotes

More discounts equal less premium

Companies offering auto insurance don't always list all their discounts in a way that's easy to find, so we took the time to find both well-publicized and also the lesser-known savings tricks you should be using. If you aren't receiving every discount you deserve, you're just leaving money on the table.

  • Life Insurance - Companies who offer life insurance give better rates if you take out life insurance from them.
  • College Student - Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
  • Own a Home - Owning a house in Valparaiso can help you save on auto insurance due to the fact that maintaining a home is proof that your finances are in order.
  • No Claims - Drivers who don't have accidents can save substantially as compared to frequent claim filers.
  • Military Discounts - Being on active duty in the military may qualify for rate reductions.
  • Government Employees - Simply working for the federal government can earn a discount up to 10% with select insurance companies.

As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Most only apply to specific coverage prices like collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, auto insurance companies aren't that generous.

For a list of companies who offer auto insurance discounts in Valparaiso, click here to view.

Free Valparaiso Auto Insurance Quotes

Most major insurance companies provide insurance quotes directly from their websites. Getting online rates doesn't take much effort as you just type in your coverage information into the quote form. Once entered, the company's rating system will obtain your driving record and credit report and returns a price quote based on these factors. Online quotes makes it a lot easier to compare rates but the process of having to visit multiple sites and enter the same data into a form gets old quite quickly. Unfortunately, it is important to perform this step if you want to find a lower rate.

Quote rates the easy way

A more efficient way to locate the lowest prices uses one simple form that obtains quotes from many companies. It's a real time-saver, requires less work, and makes online price comparison much more enjoyable. After sending your information, it gets priced and you can select your choice of the quotes that you receive. If you find a better price you can click and sign and buy the policy. The whole process takes 15 minutes at the most and you'll know if lower rates are available.

To save time and find out how much you're overpaying now, click here and submit the form. If you currently have coverage, we recommend you duplicate identical to your current policy. This helps ensure you're receiving a rate comparison based on identical coverages.

It's not one size fits all

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Every situation is different so your insurance should reflect that Here are some questions about coverages that may help you determine if you might need professional guidance.

  • When does my teenage driver need to be added to my policy?
  • Why does it cost so much to insure a teen driver in Valparaiso?
  • Does my policy cover my teen driver if they drive my company car?
  • Are there companies who specialize in insuring high-risk drivers?
  • Am I covered when delivering products for my home-based business?
  • Why am I required to get a high-risk car insurance policy?
  • Does my policy cover me when driving someone else's vehicle?
  • Should I buy only the required Indiana minimum liability coverage?

If you're not sure about those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It's fast, free and you can get the answers you need.

A tidy conclusion

When you buy insurance online, it's a bad idea to sacrifice coverage to reduce premiums. In many instances, drivers have reduced physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. The ultimate goal is to buy a smart amount of coverage at the best price.

Cheap auto insurance can be sourced online in addition to many Valparaiso insurance agents, so compare prices from both to get a complete price analysis. There are still a few companies who do not provide online quoting and most of the time these regional insurance providers sell through independent agents.