Getting Low-Cost Centerville Car Insurance

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us when we tell you there are many Centerville consumers feeling the pinch from expensive car insurance. With so many car insurance companies to choose from, it is hard for the average consumer to locate the cheapest provider.

Finding affordable coverage in Centerville is easy if you know what you're doing. If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. Indiana vehicle owners just need to know the proper way to compare company rates over the internet.

Be sure to get all your discounts

Companies that sell car insurance don't always publicize all available discounts very well, so we took the time to find both the well known and the more hidden car insurance savings. If you don't get every credit possible, you are throwing money away.

  • Clubs and Organizations - Being a member of a professional or civic organization could qualify you for a break when buying car insurance.
  • Driver Safety - Taking part in a defensive driving course could possibly earn you a 5% discount if you qualify.
  • Student in College - Children who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Senior Citizens - If you qualify as a senior citizen, you may be able to get a small decrease in premiums.
  • Discount for Life Insurance - Select insurance companies reward you with a break if you buy auto and life insurance together.
  • Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
  • Claim Free - Drivers with accident-free driving histories can save substantially when compared with drivers who are more careless.
  • Federal Government Employee - Active or retired federal employment may qualify you for a discount depending on your company.
  • Paperless Signup - A handful of insurance companies may give you up to $50 for buying a policy and signing up online.

Drivers should understand that most credits do not apply the the whole policy. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, companies wouldn't make money that way.

Is there truth in advertising?

Consumers in Indiana get pounded daily by advertisements that promise big savings from the likes of Allstate, GEICO and Progressive. All the companies say the same thing that you'll save big after switching your coverage to them.

But how can every company claim to save you money?

All the different companies are able to cherry pick for the type of customer that earns them a profit. For example, a profitable customer might be between 25 and 40, has no tickets, and has excellent credit. Any driver who fits that profile will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Potential insureds who don't measure up to this ideal profile must pay more money which usually ends up with the customer not buying. The ad wording is "people who switch" but not "drivers who get quotes" save that much money. That's the way companies can make those claims. This illustrates why you should get quotes from several different companies. You cannot predict which car insurance company will have the lowest rates.

Find out more about car insurance

More detailed Indiana car insurance information can be found at the Indiana Department of Insurance website. Visitors are able to find out which companies have the most complaints, discover disciplinary actions, read enforcement actions against agents and companies, and read consumer alerts.

Also read more on this link for Indiana car insurance quotes and this link which helps you find a Centerville agent.

car insurance in Centerville

And the best car insurance company is...

Budget-conscious car insurance can be bought both online as well as from independent agents in Centerville, so you should compare both to have the best chance of lowering rates. Some companies don't offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

While you're price shopping online, do not buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped physical damage coverage only to regret at claim time they didn't purchase enough coverage. Your focus should be to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.