7 Guaranteed Ways to Slash Car Insurance Costs in Claypool

Nobody looks forward to buying car insurance, especially when their premiums are too high. There is such a variety of to buy insurance from, and even though it's nice to have a selection, so many choices can make it hard to compare rates.

Finding Car Insurance Deals in Claypool, IN

Most companies like Progressive, Allstate and GEICO allow you to get insurance quotes on their websites. Getting quotes doesn't take much effort as you simply type in your coverage preferences as detailed in the form. When the form is submitted, their rating system will obtain information on your driving record and credit history and quotes a price. Being able to quote online makes it a lot easier to compare rates but having to visit multiple sites and complete many quote forms gets old quite quickly. But it's very important to perform this step in order to find the best price on car insurance.

There is a better way!

A quicker way to get multiple rate quotes is to use a quote form to obtain quotes from several companies at one time. The form is fast, requires much less work on your part, and makes online price comparison a lot less work. After sending your information, it is rated with multiple companies and you can pick any one of the quotes returned.

If you find a better price it's easy to complete the application and purchase coverage. The entire process just takes a couple of minutes and could lower your rates considerably.

To find out if lower rates are available, click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it's recommended you input exactly as shown on your declarations page. This ensures you're receiving a rate comparison for similar insurance coverage.

Are you getting all your discounts?

Properly insuring your vehicles can get expensive, but companies offer discounts that you may not know about. A few discounts will automatically apply at quote time, but less common discounts must be asked for in order for you to get them. If you're not getting every credit you qualify for, you're paying more than you need to.

  • Federal Employees - Being employed by or retired from a federal job could cut as much as 10% off with a few car insurance companies.
  • Theft Prevention Discount - Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Multiple Cars - Buying coverage for all your vehicles on the same car insurance policy can get a discount on all vehicles.
  • Distant Student - Kids in college who are attending college and don't have a car can be insured at a reduced rate.
  • Multiple Policy Discount - When you combine your home and auto insurance with one insurance company you may earn at least 10% off all policies.
  • Accident Forgiveness - Certain companies allow you one accident before raising your premiums if your claims history is clear for a set time period.
  • Discount for Swiching Early - Some companies give discounts for switching to them before your current expiration date. The savings is around 10%.

It's important to note that most discounts do not apply to your bottom line cost. Most cut specific coverage prices like comp or med pay. Even though it may seem like all the discounts add up to a free policy, you're out of luck. But any discount will bring down the cost of coverage.

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

Tailor your coverage to you

When choosing the best car insurance coverage for your vehicles, there isn't really a "perfect" insurance plan. Every situation is different so your insurance should reflect that For instance, these questions might point out whether you might need professional guidance.

  • Am I covered if I drive in a foreign country?
  • Do I need special endorsements for business use of my vehicle?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • What are Indiana no-fault laws?
  • Am I covered when driving in Canada or Mexico?
  • Why am I required to get a high-risk car insurance policy?
  • Why does it cost so much to insure a teen driver in Claypool?

If you're not sure about those questions but a few of them apply, you may need to chat with a licensed agent. If you don't have a local agent, complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

For more Indiana car insurance information

More information is located on the website for the Indiana Department of Insurance found here. Consumers can download brochures, read consumer alerts, report car insurance fraud, and read enforcement actions against agents and companies.