6 Shopping Tips Shown to Save Money on Car Insurance Costs in Bristow

Consumers who are new to the process of buying insurance online will discover finding affordable Bristow car insurance is not as easy as it seems.

It's important to compare prices occasionally since rates are constantly changing. If you had the best price last year a different company probably has better rates today. Ignore everything you know about car insurance because we're going to demonstrate the fastest and easiest way to find the best coverage while lowering your premiums.

Finding affordable coverage in Bristow is easy if you know what you're doing. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. But Indiana car owners do need to know the way companies market on the web and apply this information to your search.

Be sure to get all your discounts

Companies don't always list every available discount very clearly, so we took the time to find some of the more common and the harder-to-find car insurance savings.

  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
  • Multi-policy Discount - If you have multiple policies with one company you may earn up to 20% off your total premium.
  • Federal Employees - Active or retired federal employment can save as much as 8% with certain companies.
  • Anti-theft Discount - Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • More Vehicles More Savings - Buying insurance for multiple cars or trucks on one policy qualifies for this discount.
  • 55 and Retired - If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums.

Consumers should know that most credits do not apply to your bottom line cost. Most cut the price of certain insurance coverages like comprehensive or collision. So when it seems like all the discounts add up to a free policy, companies don't profit that way.

Bristow car insurance quote

How do I know if I need professional advice?

When it comes to buying the right insurance coverage for your vehicles, there isn't really a "perfect" insurance plan. Everyone's situation is unique.

For example, these questions might point out whether or not you might need an agent's assistance.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when driving in Canada or Mexico?
  • Do I have coverage for damage caused while driving under the influence?
  • What is the difference between comprehensive and collision coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Are rental cars covered under my policy?
  • Can I afford to buy a different vehicle if my vehicle is totaled?

If you don't know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. If you don't have a local agent, take a second and complete this form.

Is there truth in advertising?

Companies like Allstate and Progressive regularly use television and radio advertisements. All the ads say the same thing that you'll save big if you move your coverage to them. How does each company make the same claim? This is how they do it.

All companies have a certain "appetite" for the type of customer that earns them a profit. For example, a preferred risk could be between the ages of 30 and 50, owns a home, and drives newer vehicles. Any new insured who fits that profile gets the lowest rates and is almost guaranteed to save when switching.

Drivers who don't measure up to these standards will be charged a higher premium which usually ends up with business going elsewhere. The ads say "drivers who switch" but not "drivers who get quotes" save that much money. That is how companies can claim big savings. That is why drivers should compare many company's rates. It's just too difficult to predict which company will give you the biggest savings.

For more Indiana car insurance information

More detailed Indiana car insurance information can be found at the Indiana Department of Insurance website. Consumers can find out industry alerts, read consumer alerts, and download brochures.

Also read more on BankRate.com's Car Insurance: When not to Skimp and this directory of Bristow insurance agents.

Bristow car insurance quote

The best insurance company isn't always the cheapest

When trying to cut insurance costs, make sure you don't skimp on coverage in order to save money. Too many times, an insured cut physical damage coverage only to discover later that it was a big mistake. The aim is to purchase plenty of coverage for the lowest price, not the least amount of coverage.

Consumers who switch companies do it for any number of reasons including policy cancellation, policy non-renewal, high rates after DUI convictions and even questionable increases in premium. Regardless of your reason, switching car insurance companies is less work than it seems.

Discount car insurance is definitely available from both online companies as well as from independent agents in Bristow, and you should compare price quotes from both to have the best selection. A few companies don't offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.