5 Shopping Tips Proven to Save Money on Car Insurance Costs in Campbellsburg, IN

Are you intimidated by the crazy number of car insurance options in Campbellsburg? Many other consumers are too. You have so many companies to choose from that it can turn into a lot of work to find the perfect company for you.

It's important to take a look at other company's rates every six months since rates are constantly changing. If you had the best price on your last policy you will most likely find a better rate today. Block out anything you think you know about car insurance because I'm going to let you in on the secrets to the fastest and easiest way to find the best coverage while lowering your premiums.

If you are insured now or are shopping for new coverage, you can learn to find better prices and still get good coverage. The purpose of this post is to help educate you on how to effectively get price quotes and some money-saving tips. Indiana drivers only need an understanding of the proper way to compare prices online.

How much can you save with these 5 discounts?

Companies offering auto insurance don't always advertise every available discount in an easy-to-find place, so we took the time to find some of the more common and the harder-to-find ways to save on car insurance. If they aren't giving you every credit possible, you are throwing money away.

  • Theft Prevention System - Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Clubs and Organizations - Belonging to certain professional organizations could trigger savings on your policy.
  • No Accidents - Drivers with accident-free driving histories can save substantially compared to drivers who are more careless.
  • Defensive Driving Course - Taking part in a driver safety course could possibly earn you a 5% discount if you qualify.
  • Braking Control Discount - Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.

Consumers should know that many deductions do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, companies don't profit that way.

Campbellsburg car insurance quote

Save 15 percent in 15 minutes? Is it for real?

Consumers get pounded daily by advertisements that promise big savings by Allstate and Progressive. All the ads make the same claim of big savings if you move to their company.

How do they all make the same claim? This is how they do it.

All the different companies are able to cherry pick for the driver that earns them a profit. For example, a preferred risk could be between 25 and 40, has no driving citations, and has great credit. Any new insured who matches those parameters will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.

Potential customers who don't meet the "perfect" profile will be charged a more expensive rate which leads to business going elsewhere. The ad wording is "drivers who switch" but not "drivers who get quotes" save that much. That's the way insurance companies can confidently advertise the savings. That is why you should get a wide range of price quotes. It's just too difficult to predict which car insurance company will fit your personal profile best.

Learn more about Indiana car insurance

More tips and info about car insurance can be found at the Indiana Department of Insurance website. Consumers can read consumer alerts, find out which companies have the most complaints, and read industry bulletins.

In the end, you save

When you buy insurance online, you should never buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. The aim is to get the best coverage possible for the lowest price, not the least amount of coverage.

Cost effective car insurance is definitely available from both online companies and also from your neighborhood Campbellsburg agents, so you should compare both to have the best rate selection. There are still a few companies who may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

Insureds who switch companies do it for any number of reasons including policy cancellation, questionable increases in premium, high rates after DUI convictions and even not issuing a premium refund. It doesn't matter what your reason, switching car insurance companies is less work than it seems.