Easy Ways to Spend Less on Burlington Auto Insurance

Are you overwhelmed by the dozens of auto insurance companies in Burlington? You're not alone. Drivers have so many choices that it can turn into more work than you anticipated to find lower rates.

This information will tell you the best way to quote coverages and some tips to save money. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these techniques. Nevertheless, Indiana drivers do need to know the way companies sell online because it can help you find the best coverage.

More discounts equal less premium

Insurance can be prohibitively expensive, but there could be available discounts that you may not know about. Certain discounts will be applied when you quote, but less common discounts must be asked for prior to getting the savings.

Fewer Miles Equal More Savings - Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
Multiple Cars - Having all your vehicles on the same auto insurance policy can get a discount on all vehicles.
Life Insurance - Larger companies have a break if you buy life insurance.
Discount for Good Grades - A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
No Charge for an Accident - Some insurance companies allow you one accident before raising your premiums so long as you haven't had any claims for a set time period.
Memberships - Participating in a professional or civic organization is a good way to get lower rates when buying auto insurance.
Safety Course Discount - Successfully completing a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.

It's important to understand that most discount credits are not given the the whole policy. Most only apply to specific coverage prices like liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, it doesn't quite work that way. Any qualifying discounts will help reduce your premiums.

To see a list of insurers with discount auto insurance rates in Indiana, click here to view.

Comprehensive Burlington Auto Insurance Comparison Quotes

Most companies quote prices on their websites. This process is quite easy as you just enter the coverage amounts you desire into the quote form. Once you submit the form, the company's rating system will obtain credit information and your driving record and returns a price quote.

This simplifies rate comparisons, but the time required to go to multiple sites and complete many quote forms is repetitive and time-consuming. Unfortunately, it is important to compare as many rates as possible if you are searching for a lower rate.

The preferred way to find better auto insurance pricing uses one form that gets prices from several different companies. It's a real time-saver, eliminates form submissions, and makes quoting online much more enjoyable. After sending your information, it is quoted with multiple companies and you can pick any or none of the price quotes you receive.

If you find a better price you can simply submit the application and buy the new coverage. It just takes a couple of minutes and can result in significant savings.

To find out how much you're overpaying now, click here and begin entering your coverage information. If you have coverage now, it's recommended you type in the insurance coverages exactly as they are listed on your policy. This makes sure you will receive a rate comparison based on the exact same insurance coverage.

You have some control over your rates

An important part of buying insurance is that you know the different types of things that play a part in calculating the price you pay for auto insurance. When you know what positively or negatively determines base rates enables informed choices that could result in much lower annual insurance costs.

Shown below are a partial list of the pieces auto insurance companies consider when setting premiums.

Safer cars cost less to insure - Vehicles with high crash test scores can get you lower premiums. Safe vehicles reduce injuries and lower injury rates means lower claim amounts passed on to you as lower rates.
Adjust deductibles and save - Deductibles for physical damage represent how much money you are willing to pay out-of-pocket in the event of a claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some instances where coverage would apply could be colliding with a building, damage from fire, and burglary. The more you are required to pay out-of-pocket, the less your auto insurance will be.
Where do you drive? - The higher the mileage driven in a year the more you'll pay to insure your vehicle. Most insurance companies apply a rate determined by how the vehicle is used. Cars and trucks used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. Double check that your auto insurance declarations sheet properly reflects the correct usage for each vehicle, because improper ratings can cost you money.
Careful drivers pay lower rates - Whether or not you get tickets has a big impact on rates. Only having one citation can boost insurance rates by twenty percent. Careful drivers get better rates than their less careful counterparts. Drivers with dangerous tickets like reckless driving, hit and run or driving under the influence are required to file a proof of financial responsibility form (SR-22) with their state DMV in order to prevent a license revocation.
Males pay more for insurance - Statistics demonstrate women tend to be less risk to insure than men. Now that doesn't mean men are worse drivers. Both sexes cause accidents in similar numbers, but the male of the species tend to have more serious accidents. Men also tend to receive more costly citations such as DWI and reckless driving.
Protect yourself with liability coverage - Your policy's liability coverage provides coverage if a court rules you are at fault for causing damage or personal injury in an accident. Liability insurance provides legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not cut corners here.
Do you need those extra coverages? - There are quite a few extra coverages that you can get tricked into buying on your auto insurance policy. Things like personal injury protection, accidental death and term life insurance may be costing you every month. They may seem good initially, but if they're wasting money remove them from your policy.

Switch companies and save? Really?

21st Century, Allstate and State Farm consistently run ads in print and on television. All the companies make an identical promise of big savings if you change to their company. But how can every company make almost identical claims? It's all in the numbers.

Insurance companies are able to cherry pick for the driver that is profitable for them. For instance, a profitable customer could possibly be between the ages of 30 and 50, has no tickets, and has great credit. A customer getting a price quote who meets those qualifications is entitled to the best price and therefore will save a lot of money.

Potential customers who do not match this ideal profile must pay a higher premium and ends up with the driver buying from a lower-cost company. Company advertisements say "customers who switch" not "everyone that quotes" save that much. That's the way insurance companies can confidently advertise the savings.

This illustrates why drivers must get as many comparisons as possible. It's impossible to know which auto insurance company will give you the biggest savings.

The best insurance company isn't always the cheapest

Low-cost auto insurance can be sourced online and also from your neighborhood Burlington agents, and you should compare price quotes from both to have the best rate selection. There are still a few companies who may not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

As you prepare to switch companies, do not reduce coverage to reduce premium. There are a lot of situations where an insured dropped liability coverage limits only to discover later that the small savings ended up costing them much more. The proper strategy is to buy enough coverage at the best price while not skimping on critical coverages.

You just read some good ideas how you can compare auto insurance prices online. It's most important to understand that the more companies you get rates for, the better your comparison will be. You may even find the lowest rates come from some of the smallest insurance companies.

Find out more about auto insurance

Additional auto insurance information is located on the Indiana Department of Insurance website found here. Indiana consumers can find disaster information, report car insurance fraud, and file complaints about an insurance agent or broker.

Additional helpful sites include this resource for Indiana auto insurance prices and this page of Burlington insurance agents.