Proven Techniques to Save on Carmel Auto Insurance

Having to pay for overpriced auto insurance can empty your checking account and make it impossible to make ends meet. Comparison shopping is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket. Drivers have multiple to buy insurance from, and although it's a good thing to have a selection, it can be more challenging to compare rates.

Finding affordable coverage in Carmel is not that difficult. If you currently have car insurance, you will most likely be able to reduce your rates substantially using this information. Indiana consumers only need to know the most efficient way to compare prices over the internet.

How much can you save with discounts?

Companies offering auto insurance don't list every discount very clearly, so the following is a list of both the well known and the harder-to-find savings tricks you should be using. If you're not getting every credit you deserve, you're paying more than you need to.

  • Government Employees - Being employed by or retired from a federal job can earn a discount up to 10% with a few auto insurance companies.
  • Life Insurance - Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Paperwork-free - Some insurance companies may give you up to $50 for buying your policy over the internet.
  • Accident Waiver - Certain companies will allow you to have one accident before raising your premiums if your claims history is clear for a certain period of time.
  • Own a Home - Simply owning a home can help you save on auto insurance due to the fact that maintaining a home demonstrates responsibility.
  • Passive Restraints and Air Bags - Cars that have air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Senior Citizens - Mature drivers may be able to get better auto insurance rates.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like comp or med pay. So when the math indicates you could get a free auto insurance policy, you won't be that lucky.

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

How to Get Cheap Auto Insurance in Carmel, IN

There are several ways to compare auto insurance quotes, but one way is easier and takes less work. You can waste a lot of time talking about coverages with insurance companies in Carmel, or you can stay home and use online quoting to achieve your goal.

Many insurance companies enroll in a system that allows shoppers to enter their policy data once, and each company returns a competitive quote determined by their information. This saves time by eliminating quote requests for each company you want a rate for.

To submit your quote information now, click to open in new window.

The one disadvantage to pricing coverage this way is you can't choose which carriers to get quotes from. If you wish to select individual companies to compare prices, we put together a list of the cheapest auto insurance companies in Indiana. Click to view list.

It's your choice how you get your quotes, but make sure you use identical information with every price quote. If your comparisons have higher or lower deductibles it will be very difficult to find the best deal in Carmel.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know the different types of things that help determine the rates you pay for auto insurance. Knowing what impacts premium levels enables informed choices that will entitle you to better auto insurance rates.

The following are some of the items auto insurance companies consider when setting prices.

  • Small claims can cost you - If you file claims often, you can expect either higher rates or even cancellation. Companies in Indiana award lower rates to insureds who are claim-free. Car insurance is intended for the bigger claims that can't be paid out-of-pocket.
  • Where you reside plays a part - Residing in a small town can save you money when talking about auto insurance. Drivers who live in large cities have traffic congestion and much longer commute distances. Lower population translates into fewer accidents and a lower car theft rate.
  • Lower miles equals lower premium - Driving more miles in a year's time the higher your rate. Most insurance companies charge to insure your cars based upon how you use the vehicle. Cars and trucks that are left in the garage get more affordable rates compared to those used for work or business. Verify your auto insurance coverage shows the proper vehicle usage.
  • Pay less after the wedding - Getting married can get you a discount on your policy. Having a significant other means you're more responsible it has been statistically shown that married drivers get in fewer accidents.
  • Equipment add-ons that lower auto insurance rates - Purchasing a vehicle with anti-theft technology or alarm system can get you a discount on your auto insurance. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft.

How much car insurance do I need?

When choosing coverage for your personal vehicles, there isn't really a perfect coverage plan. Everyone's situation is unique so your insurance should reflect that For example, these questions can help discover if your insurance needs might need an agent's assistance.

  • Do I have coverage for damage caused while driving under the influence?
  • When does my teenage driver need to be added to my policy?
  • What are the financial responsibility laws in Indiana?
  • Does my liability insurance cover pulling a trailer or camper?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I covered if I drive in a foreign country?

If you're not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

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

Consumers in Indiana can't get away from ads for car insurance savings by Progressive, Allstate and GEICO. They all make an identical promise about savings after switching to their company.

How does each company claim to save you money? This is how they do it.

Different companies have a preferred profile for the driver that is profitable for them. A good example of a driver they prefer might be between the ages of 30 and 50, has no prior claims, and has great credit. A customer getting a price quote who meets those qualifications receives the best rates and is almost guaranteed to save when switching.

Potential customers who don't meet these standards will be quoted a more expensive rate and ends up with the customer not buying. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much. This is how companies can truthfully advertise the savings. This emphasizes why drivers must get as many quotes as possible. It's impossible to know which insurance companies will fit your personal profile best.

And the best car insurance company is...

When you buy insurance online, never reduce coverage to reduce premium. There are too many instances where consumers will sacrifice collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your strategy should be to buy enough coverage for the lowest price while still protecting your assets.

The cheapest auto insurance can be purchased both online and also from your neighborhood Carmel 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 these small insurance companies work with independent agents.

Indiana auto insurance quotes

Even more information can be read at the Indiana Department of Insurance website. Visitors are able to download brochures, view agent and company licensing information, file complaints about an insurance agent or broker, and get help finding coverage.