6 Tricks to Save on Car Insurance in Covington, IN

Are you overwhelmed by the wide range of car insurance choices in Covington? Many other consumers are too. There are so many companies to choose from that it can turn into more work than you anticipated to find lower rates.

If you have a current car insurance policy or are shopping for new coverage, you can follow these tips to find better prices while maintaining coverages. This information will tell you the most effective way to quote insurance and some money-saving tips. Indiana drivers only need an understanding of the most efficient way to get comparison quotes over the internet.

Take advantage of discounts

Companies offering auto insurance do not advertise every discount in an easy-to-find place, so the following is a list of both the well known and the harder-to-find discounts you could be receiving. If they aren't giving you every credit possible, you're paying more than you need to.

  • Student Driver Training - Have your child successfully complete driver's ed class if it's offered in school.
  • Driver Safety - Successfully completing a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Senior Citizens - Mature drivers may be able to get better car insurance rates.
  • Multiple Vehicles - Insuring multiple vehicles on the same car insurance policy qualifies for this discount.
  • Life Insurance Discount - Larger companies have lower rates if you buy life insurance.
  • Distant Student - Youth drivers living away from home attending college and do not have access to a covered vehicle may qualify for this discount.

Consumers should know that some credits don't apply the the whole policy. Most only reduce the price of certain insurance coverages like liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, companies don't profit that way.

To see a list of insurance companies who offer car insurance discounts in Covington, click here.

compare Covington car insurance rates

Comprehensive Covington Car Insurance Comparison Quotes

Finding cheaper car insurance prices can be quick and easy. Just spend a few minutes comparing rate quotes online from several insurance companies. This is very easy and can be done in a couple of different ways.

  • The best way to get quotes for comparison is to use a rate comparison form click here to open form in new window. This type of form saves time by eliminating repetitive form entry for each company you want a rate for. Completing one form will get you rate comparisons direct from many companies. This is perfect if you don't have a lot of time.
  • A more time consuming way to compare rate quotes requires you to visit the website of each company to complete a price quote. For examples sake, we'll pretend you want to compare rates from , and . To get each rate you have to take the time to go to each site and enter your policy data, and that's why the first method is more popular.

    To view a list of companies in Covington, click here.

Whichever method you choose, compare the exact same coverage information with each company. If the quotes have unequal deductibles or liability limits you will not be able to make an equal comparison in Covington.

Are car insurance companies telling the truth?

Consumers in Indiana can't get away from ads that promise big savings by State Farm, Allstate and GEICO. They all have a common claim of big savings after switching to their company.

How do they all claim to save you money? This is how they do it.

Insurance companies are able to cherry pick 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 tickets, and has a short commute. Any new insured that hits that "sweet spot" will get the preferred rates and most likely will cut their rates substantially.

Potential insureds who don't qualify for the "perfect" profile will be quoted more money and this can result in the customer not buying. The ads state "drivers who switch" not "people who quote" save that much. That's the way insurance companies can confidently make the claims of big savings. This emphasizes why drivers must get a wide range of price quotes. It's just too difficult to predict which car insurance company will fit your personal profile best.

Best coverage at the best price

Drivers change insurance companies for any number of reasons including extreme rates for teen drivers, delays in responding to claim requests, not issuing a premium refund or lack of trust in their agent. No matter why you want to switch, switching car insurance companies is actually quite simple.

Cost effective car insurance can be bought both online and also from your neighborhood Covington agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers may not provide the ability to get a quote online and these small insurance companies work with independent agents.

As you shop your coverage around, never reduce coverage to reduce premium. There have been many situations where an insured dropped collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible for the lowest price while still protecting your assets.

car insurance in Covington

Find out more about car insurance

More tips and info about car insurance can be read at the Indiana Department of Insurance website. Visitors are able to view a list of available companies, discover disciplinary actions, and read enforcement actions against agents and companies.