Consumer Tested Strategies to Save on Brook Auto Insurance

Are you sick and tired of trying to scrape together enough money each month for car insurance? Your situation is no different than many other Indiana drivers.

Drivers have multiple to buy insurance from, and though it is a good thing to have a choice, it can be more challenging to compare rates.

Cheap Brook Auto Insurance Comparisons

Performing a rate comparison can be exhausting if you don't know the fastest way to get free quotes. You could spend your day talking to local insurance agents in Brook, or you can utilize online quoting to quickly compare rates.

All the larger companies enroll in a system that allows shoppers to complete one form, and at least one company provides a quote based on that data. This prevents consumers from doing form submissions to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The only drawback to using this type of system is that consumers can't choose which companies to get pricing from. So if you prefer to pick specific insurance companies to request quotes from, we put together a list of low cost auto insurance companies in Indiana. Click here to view list.

However you get your quotes, ensure you're using identical coverage limits on every quote. If you have differing limits it will be next to impossible to make a fair comparison in Brook. Slightly different coverages may cause a big price difference. And when price shopping your coverage, obtaining a wide range of quotes helps locate better pricing.

auto insurance in Brook

Good Decisions Result in Lower Rates

It's important that you understand the factors that play a part in calculating auto insurance rates. Knowing what impacts premium levels enables informed choices that could result in big savings.

  • Safer cars are cheaper to insure - Vehicles with good safety scores get lower rates. Safe vehicles reduce injuries and better occupant protection translates into fewer and smaller insurance claims and thus lower rates.
  • Your stress level may be raising your rates - Occupations such as lawyers, social workers and financial analysts tend to have higher average rates attributed to high stress levels and lots of time spent at work. Conversely, occupations like farmers, engineers and retirees receive lower rates.
  • Don't get talked into coverage you don't need - There are quite a few extra bells and whistles that you can get tricked into buying if you aren't careful. Coverages for vanishing deductibles, accidental death and term life insurance are some examples. These may sound like a good investment at first, but if they're wasting money eliminate them to save money.
  • Men are more aggressive - The statistics show that women are safer drivers than men. Now that doesn't mean men are worse drivers. They both have accidents in similar percentages, but the male of the species tend to have more serious accidents. Men also tend to get more serious tickets like reckless driving and DUI.
  • Car features impact rates - Driving a car that has an advanced theft prevention system can get you a discount on your auto insurance. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
  • Being married is a good thing - Having a spouse helps lower the price on auto insurance. Having a spouse means you're more responsible and it's statistically proven that drivers who are married are more cautious.
  • Traffic citations inflate rates - Whether or not you get tickets has a lot to do with how much you pay for insurance. Only having one moving violation can boost insurance rates twenty percent or more. Careful drivers receive lower rates than their less careful counterparts. Drivers with dangerous tickets like reckless driving, hit and run or driving under the influence are required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to prevent a license revocation.
  • Big city or small town - Being located in less populated areas is a positive aspect when buying auto insurance. Urban drivers have to deal with more traffic problems and a longer drive to work. Fewer drivers translates into fewer accidents.

Be sure to get all your discounts

Companies offering auto insurance don't necessarily list all available discounts very clearly, so we break down some of the best known and the more hidden discounts you could be receiving.

  • Service Members Pay Less - Being deployed with a military unit could be rewarded with lower premiums.
  • No Accidents - Claim-free drivers can save substantially when compared with frequent claim filers.
  • Safety Course Discount - Taking part in a course teaching defensive driving skills could save 5% or more depending on where you live.
  • Senior Discount - Older drivers may receive better auto insurance rates.
  • Pay Now and Pay Less - By paying your policy upfront rather than paying monthly you may reduce your total bill.
  • Paperless Signup - A handful of insurance companies give back up to $50 for buying your policy over the internet.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. Some only reduce the cost of specific coverages such as liability and collision coverage. Just because you may think all those discounts means the company will pay you, auto insurance companies aren't that generous.

For a list of insurers with discount auto insurance rates in Indiana, click here.

Even more information can be found at the Indiana Department of Insurance website. Indiana drivers can find disaster information, read industry bulletins, discover disciplinary actions, and learn about insurance regulations.

Do the work, save more money

Cheap auto insurance is attainable on the web and also from your neighborhood Brook agents, so compare prices from both to get a complete price analysis. Some insurance providers may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

As you shop your coverage around, it's very important that you do not reduce needed coverages to save money. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to find the BEST coverage at an affordable rate while not skimping on critical coverages.