Tightwads Tips for Saving on Crown Point Car Insurance

Have you had enough of not being able to afford each month for car insurance? Your situation is no different than many other Indiana consumers.

You have so many to pick from, and although it's a good thing to have a choice, lots of choices makes it harder to compare rates.

This information will instruct you on how car insurance quotes work and some tricks to saving. If you currently have a car insurance policy, you will be able to save some money using these methods. Nevertheless, Indiana consumers do need to know how companies sell online and take advantage of how the system works.

compare Crown Point car insurance rates

Save big with these discounts

Insuring your fleet can be pricey, buy you may qualify for discounts that you may not know about. Some trigger automatically when you get a quote, but some must be specifically requested before you will receive the discount.

  • Drivers Education - Require your teen driver to successfully complete driver's ed class if offered at their school.
  • Pay Now and Pay Less - By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Multiple Cars - Insuring all your vehicles on one policy can get a discount on all vehicles.
  • Life Insurance Discount - Larger companies have a discount if you purchase life insurance.
  • Senior Citizens - Older drivers may receive a small decrease in premiums.
  • Low Mileage Discounts - Low mileage vehicles can qualify you for a substantially lower rate.
  • Club Memberships - Being a member of a qualifying organization may earn a discount when shopping for car insurance.
  • Safety Course Discount - Successfully completing a defensive driving course could save 5% or more depending on where you live.

Consumers should know that some of the credits will not apply to the entire cost. Most only apply to specific coverage prices like liability and collision coverage. So when the math indicates all the discounts add up to a free policy, companies don't profit that way. Any qualifying discounts will bring down your overall premium however.

For a list of insurance companies with discount car insurance rates in Indiana, click here.

Compare the Market for Car Insurance in Crown Point

There are several ways of comparing rates and find the best price. The recommended way to find the cheapest insurance rates is to use the internet to compare rates. This can be accomplished in a couple of different ways.

One of the best ways to find low rates is to use a rate comparison form click to view form in new window. This type of form prevents you from having to do repetitive form submissions for each company you want a rate for. Taking the time to complete one form gets you price quotes from multiple companies.

A slightly less efficient method to get quotes online requires a trip to the website of each company to request a price quote. For examples sake, let's assume you want rates from , and . To get each rate you have to take the time to go to each site to input your insurance information, which is why the first method is quicker. To view a list of companies in Crown Point, click here.

The most time-consuming way of getting rate comparisons is driving around to insurance agents' offices. Shopping for car insurance online makes this process obsolete unless you want the professional guidance that only a license agent can provide. It is possible to compare online quotes and still use a local agent and you'll learn how to do that later.

However you get your quotes, double check that you are using identical quote information for each price quote. If you use mixed coverages then you won't be able to truly determine the lowest rate in Crown Point. Slightly different coverage limits may result in large price differences. It's important to know that comparing more company's prices helps you find a better price.

The best insurance company isn't always the cheapest

Cost effective car insurance can be sourced both online as well as from independent agents in Crown Point, so you should compare both to have the best chance of lowering rates. Some companies don't offer online quoting and these smaller companies work with independent agents.

While you're price shopping online, make sure you don't sacrifice coverage to reduce premiums. There have been many situations where an insured dropped liability limits or collision coverage only to find out they didn't purchase enough coverage. The proper strategy is to buy a smart amount of coverage at the best price while still protecting your assets.