How to Know You're Paying Too Much for Auto Insurance in Bargersville

I can't think of a single person who looks forward to paying for auto insurance, in particular when the cost is way too high.

Insurance companies such as State Farm, Allstate, GEICO and Progressive promote their brand names with TV and radio ads and it can be hard to sift through the bull and effectively compare rates to find the best deal.

Save big with these discounts

Insurance can be prohibitively expensive, but discounts can save money and there are some available to help bring down the price. Larger premium reductions will be automatically applied when you quote, but a few need to be specifically requested before you get the savings.

  • Safety Course Discount - Completing a course in driver safety can save you 5% or more if you qualify.
  • Anti-theft Discount - Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Fewer Miles Equal More Savings - Low mileage vehicles can earn a substantially lower rate.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to enroll in driver's education if offered at their school.
  • Clubs and Organizations - Participating in a civic or occupational organization may earn a discount when buying auto insurance.

It's important to note that some of the credits will not apply to your bottom line cost. Some only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, you're out of luck. But any discount will reduce your overall premium however.

auto insurance in Bargersville

But I don't know anything about car insurance

When it comes to buying the right insurance coverage for your vehicles, there really is not a one size fits all plan. Each situation is unique and your policy should reflect that. These are some specific questions might point out if your situation would benefit from professional advice.

  • Do I really need UM/UIM coverage?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Is my dog or cat covered if injured in an accident?
  • Is rental equipment covered for theft or damage?
  • Is my nanny covered when driving my vehicle?
  • Are rental cars covered under my policy?
  • Is my cargo covered for damage or theft?

If you can't answer these questions, then you may want to think about talking to an insurance agent. If you don't have a local agent, complete this form or go to this page to view a list of companies.

Auto insurance ads bend the truth

21st Century, Allstate and State Farm consistently run ads on TV and radio. All the companies have a common claim that you can save if you change your coverage to them. How can each company make almost identical claims?

All companies have a certain "appetite" for the type of customer that earns them a profit. For example, a profitable customer could possibly be a mature driver, owns a home, and has excellent credit. A driver that hits that "sweet spot" will get very good rates and most likely will save when they switch companies.

Drivers who fall outside the requirements must pay a higher premium and this can result in the driver buying from a lower-cost company. The ads say "people who switch" not "people who quote" save that much money. That is how insurance companies can make those claims.

This illustrates why you should get as many comparisons as possible. It is impossible to predict which company will have the lowest rates.

For more Indiana car insurance information

More information can be found on the website for the Indiana Department of Insurance through this link. Indiana consumers can discover disciplinary actions, read consumer alerts, find disaster information, and view a list of available companies.

Bargersville auto insurance quote

Do the work, save more money

Lower-priced auto insurance is attainable online as well as from independent agents in Bargersville, and you need to price shop both to have the best selection. Some companies don't offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

While you're price shopping online, it's not a good idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut physical damage coverage only to regret at claim time they didn't purchase enough coverage. The proper strategy is to find the BEST coverage at an affordable rate while not skimping on critical coverages.