10 Ways to Save on Car Insurance in Argos

I can't think of anyone who likes having to buy car insurance, particularly when the cost is way too high. With consumers having so many different company options, it can be diffult for consumers to pick the cheapest insurance company.

It's important to check car insurance prices periodically since rates are constantly changing. Despite the fact that you may have had the best price last year the chances are good that you can find a lower rate today. Forget all the misinformation about car insurance because you're about to learn one of the best ways to find the best coverage while lowering your premiums.

Policy discounts you shouldn't miss

Companies that sell car insurance don't necessarily list all their discounts very well, so we took the time to find both the well known and the harder-to-find savings tricks you should be using. If you don't get every credit you qualify for, you're paying more than you need to.

Accident Forgiveness - Some insurance companies will allow you to have one accident before raising your premiums as long as you don't have any claims for a particular time prior to the accident.
Good Student - A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
College Student - Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
Anti-lock Brake System - Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
Bundle and Save - When you combine your home and auto insurance with one company you may earn approximately 10% to 15%.
Senior Citizens - Mature drivers may be able to get reduced rates.
Homeowners Savings - Owning a house in Argos can help you save on car insurance due to the fact that maintaining a home is proof that your finances are in order.
Military Rewards - Being on active duty in the military may qualify for rate reductions.
Seat Belts Save - Using a seat belt and requiring all passengers to wear their seat belts could save 15% off the personal injury premium cost.
Life Insurance - Some companies give a break if you buy auto and life insurance together.

It's important to note that most discounts do not apply to the entire policy premium. Most cut the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, you're out of luck.

To see a list of companies who offer car insurance discounts in Indiana, click here to view.

Argos Car Insurance Comparisons

Finding cheaper car insurance prices is actually quite simple. Consumers just need to spend a few minutes getting comparison quotes provided by online insurance companies. This can be accomplished in several different ways.

The best way to get quotes is a comparison rater form like this one (opens in new window). This easy form saves time by eliminating separate forms to each individual car insurance company. Just one form will get you rate comparisons from several companies.
A more time consuming way to shop for car insurance online requires you to visit each individual company website to complete a price quote. For example, let's assume you want to compare , and . To find out each rate you need to visit each site and enter your policy data, and that's why the first method is more popular.

For a list of links to companies insuring cars in Argos, click here.

It's your choice how you get your quotes, but be sure to compare apples-to-apples coverage information for every company. If you compare unequal deductibles or liability limits it will be very difficult to decipher which rate is best in Argos.

Insurance agents can help

When choosing the right insurance coverage for your vehicles, there really is no "best" method to buy coverage. Everyone's situation is unique so your insurance should reflect that For example, these questions may help highlight whether your personal situation would benefit from professional advice.

Does my policy cover me when driving someone else's vehicle?
Do I need to file an SR-22 for a DUI in Indiana?
What are Indiana no-fault laws?
Can I get a multi-policy discount for packaging my home and auto coverage?
What are the best liability limits?
Should I put collision coverage on all my vehicles?

If you're not sure about those questions but a few of them apply then you might want to talk to an agent. If you don't have a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Save $429 a year? Really?

Consumers in Indiana can't get away from ads for cheaper car insurance by companies like State Farm, GEICO and Progressive. They all seem to make an identical promise that you can save after switching to them.

But how can every company claim to save you money? This is how they do it.

All the different companies have a certain "appetite" for the type of driver that is profitable for them. For example, a desirable insured might be a mature driver, a clean driving record, and has great credit. Any new insured who meets those qualifications gets the lowest rates and is almost guaranteed to save a lot of money.

Potential insureds who don't qualify for this ideal profile will have to pay more money and ends up with the customer not buying. The ads say "drivers who switch" but not "drivers who get quotes" save money. That is how insurance companies can advertise the savings. Because of the profiling, drivers must get quotes from several different companies. It's just too difficult to predict which company will give you the biggest savings.

A tidy conclusion

Lower-priced car insurance can be bought both online and with local Argos insurance agents, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

We just covered many tips how you can compare car insurance prices online. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may be surprised to find that the best price on car insurance is with a smaller regional carrier. These smaller insurers often have lower prices on specific markets compared to the large companies like .

As you prepare to switch companies, do not reduce coverage to reduce premium. In many cases, someone dropped physical damage coverage only to discover later that the small savings ended up costing them much more. Your aim should be to purchase plenty of coverage for the lowest price.

Additional Indiana consumer information

Additional detailed information can be found at the Indiana Department of Insurance website. Visitors are able to learn about insurance regulations, file complaints about a company, read enforcement actions against agents and companies, and find out industry alerts.

Additional helpful sites include this site for Indiana car insurance information and see this list of insurance agents in Argos.