Buy Cheaper Clayton Auto Insurance

Paying for high-priced auto insurance can take a big chunk out of your savings account and force you to make sacrifices. Comparison shopping is free and is an excellent way to lower your monthly bill.

Lots of contend for your business, and because of this it can be hard to compare and get the definite lowest rate

It's important to do rate comparisons on a regular basis because insurance rates are constantly changing. If you had the best deal two years ago there is a good chance you can find better rates now. So ignore everything you know about auto insurance because you're about to learn the proper way to remove unneeded coverages and save money.

Why some people pay less for insurance in Clayton

Consumers need to have an understanding of the rating factors that come into play when calculating the price you pay for auto insurance. Understanding what impacts premium levels allows you to make educated decisions that may reward you with lower auto insurance prices.

  • Discounts for married couples - Being married actually saves money on your auto insurance policy. It is viewed as being more responsible and statistics show married drivers get in fewer accidents.
  • Car features impact rates - Purchasing a vehicle with a theft deterrent system can save you a little every year. Anti-theft devices like GM's OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your vehicle from being stolen.
  • Policy add-ons can waste money - There are a lot of add-on coverages that you can buy on your auto insurance policy. Coverages like vanishing deductibles, towing coverage and motor club memberships may be wasting your money. These may sound like a good investment initially, but if you don't need them get rid of them and save.
  • Multi-policy discounts can save money - The majority of auto insurance companies will give a discount to customers who have multiple policies with them. It's known as a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. Even if you're getting this discount it's still a good idea to comparison shop to make sure you are getting the best deal.
  • Liability coverage is cheap - The liability section of your policy is the protection if ever a court rules you are at fault for damages from an accident. It provides legal defense coverage starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should carry high limits.
  • High deductibles save money - Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Examples of covered claims could be collision with another vehicle, damage caused by hail, or theft. Physical damage deductibles are how much you are required to spend out-of-pocket before a claim is paid by your company. The more money you're willing to pay, the bigger discount you will receive.

Which Auto Insurance is Cheapest in Clayton, Indiana?

Shopping for lower auto insurance rates can take time and effort if you don't understand the most efficient way to do it. You can spend your afternoon driving to insurance agencies in Clayton, or you could use the web to get pricing more quickly.

Most of the larger companies take part in a program that allows shoppers to only type in their quote data once, and at least one company then gives them pricing based on that data. This system prevents you from having to do repetitive form submissions for each company you want a rate for.

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

The only downside to using this type of system is buyers cannot specifically choose which providers you want pricing from. So if you want to choose specific providers to request quotes from, we put together a list of companies who write auto insurance in Indiana. View list of Indiana insurance companies.

It's up to you how you get prices quotes, just ensure you are comparing the exact same deductibles and coverage limits on every quote. If you have different values for each quote then you won't be able to make a fair comparison in Clayton. Having just a slight variation in coverages can mean a large discrepancy in price. Just remember that more quotes will increase your chances of finding better pricing.

How much can you save with discounts?

Insuring your vehicles can cost a lot, but you may find discounts to help offset the cost. Certain discounts will be triggered automatically when you complete an application, but some must be specially asked for before they will apply.

  • Sign Online - Certain companies will discount your bill up to fifty bucks for buying your policy on their website.
  • Own a Home - Owning a house in Clayton may earn you a small savings because of the fact that having a home requires personal responsibility.
  • Student Driver Training - Cut your cost by having your teen driver complete a driver education course in high school.
  • Drive Less and Save - Keeping the miles down can qualify you for better rates on cars that stay parked.
  • Defensive Driving Course - Completing a course in driver safety could cut 5% off your bill if your company offers it.
  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Some only reduce specific coverage prices like liability, collision or medical payments. So when it seems like you can get free auto insurance, you won't be that lucky. Any amount of discount will cut the amount you have to pay.

To choose companies with the best auto insurance discounts in Clayton, click this link.

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

Auto insurance companies such as State Farm, GEICO and Progressive regularly use television and radio advertisements. They all seem to make the same claim about savings if you move to them. How do they all make almost identical claims? It's all in the numbers.

All companies have a preferred profile for the type of driver that makes them money. An example of a desirable insured could possibly be between the ages of 40 and 55, insures multiple vehicles, and chooses high deductibles. A driver who matches those parameters will get very good rates and is almost guaranteed to cut their rates substantially.

Consumers who don't meet the "perfect" profile will have to pay higher rates which leads to the driver buying from a lower-cost company. The ads say "customers who switch" but not "drivers who get quotes" save money. This is how companies can truthfully state the savings.

Because of the profiling, you need to get quotes from several different companies. It is impossible to predict which insurance companies will give you the biggest savings.

Additional information is available on the website for the Indiana Department of Insurance found here. Indiana consumers can get help finding coverage, view a list of available companies, discover disciplinary actions, and read consumer alerts.

The best insurance company isn't always the cheapest

Cheaper auto insurance is possible online and with local Clayton insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies do not offer online price quotes and most of the time these smaller companies sell through independent agents.

When buying insurance coverage, you should never reduce coverage to reduce premium. In many cases, drivers have reduced liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your aim should be to find the BEST coverage at the best price.