Car Insurance in Cross Plains Indiana - 6 Discounts You Might be Missing

If you are a novice to online car insurance shopping, it's easy to be confused by the vast number of car insurance companies offering insurance in Cross Plains.

Car Insurance Comparison Rates in Cross Plains, IN

Most major insurance companies like State Farm, Allstate and GEICO provide prices for coverage online. Getting quotes is fairly straightforward as you simply type in your personal and coverage information into the quote form. Behind the scenes, the system will obtain credit information and your driving record and provides a quote based on many factors.

This makes comparing rates easy, but the work required to visit a lot of sites and complete many quote forms can be a bit repetitive. Unfortunately, it is important to get many rate quotes if you want to find a lower rate.

Quote rates the easy way

A less time-consuming method to compare rates is to use a quote form that gets prices from several different companies. It's a real time-saver, eliminates form submissions, and makes online quotes much easier. Immediately after submitting the form, it gets priced and you can choose any one of the returned quotes. If a lower price is quoted, you can simply submit the application and purchase coverage. The whole process takes 15 minutes at the most and you'll know if lower rates are available.

To find out how much you're overpaying now, click here and input your coverage information. If you currently have coverage, we recommend you enter the insurance coverages identical to your current policy. This way, you will have a fair comparison based on similar coverages.

compare Cross Plains car insurance rates

More discounts equal less premium

Auto insurance companies don't list every discount very clearly, so we took the time to find both the well known as well as the least known savings tricks you should be using.

  • Military Rewards - Being on active duty in the military could mean lower rates.
  • Early Signing - Some insurance companies reward drivers for buying a policy before your current policy expires. This can save 10% or more.
  • Anti-lock Brake System - Vehicles with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
  • Life Insurance - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Multiple Policy Discount - When you have multiple policies with the same insurance company you may earn up to 20% off your total premium.
  • Good Student - Getting good grades can get you a discount of up to 25%. This discount can apply until age 25.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. The majority will only reduce individual premiums such as liability and collision coverage. Just because it seems like it's possible to get free car insurance, car insurance companies aren't that generous.

For a list of insurance companies offering car insurance discounts in Indiana, click here to view.

It's not one size fits all

When it comes to choosing the right insurance coverage for your vehicles, there isn't really a "best" method to buy coverage. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help highlight if you would benefit from professional advice.

  • Do I have coverage when using my vehicle for my home business?
  • Does my car insurance cover rental cars?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When does my teenage driver need to be added to my policy?
  • What are the best liability limits?
  • Do I need to file an SR-22 for a DUI in Indiana?

If you're not sure about those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, fill out this quick form.

Even more information can be found at the Indiana Department of Insurance website. Visitors are able to find disaster information, file complaints about a company, and find out industry alerts.

Other useful links include this page for car insurance prices in Indiana and this page of Cross Plains insurance agents.

Indiana car insurance

Final considerations

People switch companies for a number of reasons such as unfair underwriting practices, high prices, policy cancellation and delays in paying claims. It doesn't matter why you want to switch choosing a new insurance company is not as hard as you think.

We just covered some good ideas how you can lower your car insurance rates. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. Drivers may discover the best price on car insurance is with the least-expected company.

When trying to cut insurance costs, make sure you don't reduce needed coverages to save money. There have been many situations where someone dropped physical damage coverage only to discover later that it was a big mistake. The proper strategy is to buy the best coverage you can find at a price you can afford while still protecting your assets.