Consumer Tested Strategies to Save on Bloomington Auto Insurance

Have you had enough of scraping the payment together each month for car insurance? You're in the same situation as many other drivers in Indiana. Having so many options when it comes to auto insurance, it is hard for the average consumer to pick the cheapest company.

Comprehensive Auto Insurance Comparison in Bloomington

Most companies allow you to get pricing online. This process is pretty easy as you just enter the amount of coverage you want as detailed in the form. When the form is submitted, the company's rating system will obtain information on your driving record and credit history and generates pricing information determined by many factors. This makes comparing rates easy, but the time it takes to visit several different sites and type in the same information is repetitive and time-consuming. But it's very important to do this in order to find the best price on auto insurance.

A quicker way to find cheaper rates uses one form to get prices from a bunch of companies at once. The form is fast, requires much less work on your part, and makes quoting online much more enjoyable and efficient. Immediately after you send the form, it is rated and you can select any or none of the quotes returned.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. The entire process can be completed in a matter of minutes and may save quite a bit of money.

To find out if lower rates are available, click here to open in new window and enter your information. If you have coverage now, it's recommended you replicate the coverages as shown on your current policy. This ensures you will receive rate comparison quotes for similar insurance coverage.

Are you getting all your discounts?

Insurance can cost an arm and a leg, but you may find discounts that you may not know about. Certain discounts will be applied at the time of quoting, but a few must be asked about before you will receive the discount. If you don't get every credit available, you're paying more than you need to.

  • Memberships - Participating in a professional or civic organization may earn a discount when buying auto insurance.
  • Payment Method - By paying your policy upfront instead of paying each month you can actually save on your bill.
  • One Accident Forgiven - Some insurance companies will allow you to have one accident before raising your premiums so long as you haven't had any claims prior to the accident.
  • Good Students Pay Less - A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Multiple Vehicles - Buying coverage for multiple vehicles on the same auto insurance policy qualifies for this discount.

Keep in mind that some credits don't apply to the entire cost. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, it just doesn't work that way. But any discount will help reduce the cost of coverage.

To see a list of insurers who offer auto insurance discounts in Indiana, click here.

More information is located on the website for the Indiana Department of Insurance. Click here for link. Indiana consumers can find out which companies have the most complaints, view a list of available companies, learn about insurance regulations, and file complaints about a company.

Additional helpful sites include this link for Indiana auto insurance quotes and this link which helps you find a Bloomington agent.