Tightwads Tips for Saving on Auburn Car Insurance

No one in their right mind likes having to buy car insurance, especially when they are paying too much. Drivers have multiple to pick from, and even though it's nice to have a selection, it can be more challenging to compare rates.

It's important to compare prices occasionally because rates are constantly changing. Just because you found the best rates a couple years back you can probably find a lower rate today. Don't believe everything you read about car insurance on the web, but I'm going to show you some great ways to find affordable car insurance.

Automobile Insurance Quotes in Auburn, IN

There are several ways to shop for car insurance, but some are less time-consuming than others. You can spend countless hours talking about coverages with agents in Auburn, or you could save time and use online quotes to get prices fast.

The majority of car insurance companies enroll in a system that allows shoppers to enter their coverage request one time, and every company then gives them pricing based on the submitted data. This eliminates the need for quote requests for each company you want a rate for.

To submit your quote information now, click to open in new window.

The one disadvantage to using this type of form is that you can't choose the providers you want pricing from. If you would rather choose specific insurance companies for rate comparison, we have assembled a list of car insurance companies in Indiana. Click to view list.

It doesn't matter which method you choose, just make absolute certain that you use identical quote information with each company. If you enter mixed coverages it's impossible to make an equal comparison in Auburn.

How much can you save with discounts?

Car insurance companies don't always advertise all their discounts very clearly, so the following is a list of some of the more common as well as the least known car insurance savings. If you're not getting every credit you qualify for, you're paying more than you need to.

  • Accident Forgiveness - Certain companies will forgive one accident before raising your premiums as long as you don't have any claims for a particular time prior to the accident.
  • Theft Prevention System - Anti-theft and alarm systems prevent vehicle theft 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%.
  • Driver Safety - Taking part in a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Good Student - A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.

Keep in mind that most credits do not apply to your bottom line cost. Most only cut individual premiums such as liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, it just doesn't work that way.

To see a list of companies who offer car insurance discounts in Indiana, follow this link.

How much car insurance do I need?

When choosing coverage for your vehicles, there isn't really a best way to insure your cars. Everyone's situation is a little different and a cookie cutter policy won't apply. For example, these questions might point out if your insurance needs could use an agent's help.

  • Does my policy cover me when driving someone else's vehicle?
  • Do I need special endorsements for business use of my vehicle?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What are the best liability limits?
  • Do I need to file an SR-22 for a DUI in Indiana?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • When does my teenage driver need to be added to my policy?

If you don't know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

For more Indiana car insurance information

Additional detailed information can be read at the Indiana Department of Insurance website. Consumers can learn about insurance regulations, read consumer alerts, get help finding coverage, and view agent and company licensing information.

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