Top Ways to Save on Daleville Auto Insurance

Tired of being strong-armed each month for car insurance? Your situation is no different than the majority of other car owners in Indiana. There is such a variety of to buy insurance from, and even though it's nice to be able to choose, so many choices can make it hard to compare rates.

It's important to get comparison quotes once or twice a year since insurance rates are constantly changing. Just because you found the lowest price a few years ago you can probably find a better price now. There is a lot of bad information regarding auto insurance on the web, but I'm going to show you some great ways to quit paying high auto insurance rates.

Buying car insurance in Daleville is not that difficult. If you have a current auto insurance policy or are looking for a new policy, you will benefit by learning to shop for the lowest rates while maximizing coverage. Indiana consumers only need to know the tricks to get comparison rates over the internet.

Understand what determines the rate you pay

Consumers need to have an understanding of the different types of things that help determine auto insurance rates. Knowing what impacts premium levels helps enable you to make changes that may reward you with much lower annual insurance costs.

Women pay lower rates - The statistics show that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. Both sexes tend to get into accidents in similar numbers, but the males have costlier accidents. They also receive more costly citations like reckless driving and DUI. Youthful male drivers are most likely to cause an accident and are penalized with high auto insurance rates.
Equipment add-ons that lower auto insurance rates - Driving a car with an alarm system can get you a discount on your auto insurance. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder car theft.
Pay less if you're married - Having a wife or husband can get you a discount on your policy. It usually means you are more responsible and it's proven that drivers who are married are more cautious.
Claim-free discounts can add up - Car insurance companies in Indiana award lower rates to insureds who do not rely on their insurance for small claims. If you tend to file frequent claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
Traffic citations inflate rates - Your driving citation history has a lot to do with how much you pay for insurance. Just one citation may increase your cost by twenty percent. Drivers with clean records have lower premiums compared to drivers with tickets. Drivers who have flagrant citations like hit and run, DWI or reckless driving convictions may need to file a SR-22 with the DMV in their state in order to keep their license.
Extra coverages can waste money - There are a ton of extra bells and whistles that you can buy if you aren't careful. Coverages for roadside assistance, towing coverage and membership fees may be costing you every month. These may sound like a good investment when you first buy your policy, but your needs may have changed so eliminate them to save money.
Drive a safer car and pay less - Vehicles with high crash test scores can get you lower premiums. These vehicles have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims and thus lower rates.

Save big with these discounts

Car insurance companies don't always advertise all their discounts very clearly, so we researched some of the best known as well as the least known savings tricks you should be using. If you're not getting every credit available, you are paying more than you should be.

Senior Discount - If you're over the age of 55, you may be able to get a discount up to 10%.
Payment Method - If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
Sign Online - A few companies give back up to $50 for buying your policy over the internet.
Homeowners Pay Less - Owning a house in Daleville can help you save on auto insurance due to the fact that maintaining a home shows financial diligence.
Drivers Education - Cut your cost by having your teen driver complete a driver education course if it's offered in school.
Employee of Federal Government - Employees or retirees of the government could cut as much as 10% off with select insurance companies.
Good Students Pay Less - This discount can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.

A little note about advertised discounts, most discount credits are not given to the entire cost. Most only reduce individual premiums such as liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, you won't be that lucky.

To choose companies who offer auto insurance discounts in Indiana, click here to view.

Auto insurance ads bend the truth

Indiana drivers can't ignore all the ads for the lowest price auto insurance from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to make an identical promise about savings after switching your policy.

How does each company say the same thing?

Insurance companies can use profiling for the right customer that makes them money. For instance, a desirable insured might be profiled as over the age of 50, has no tickets, and drives less than 7,500 miles a year. A propective insured who meets those qualifications will get the preferred rates and most likely will save when switching.

Potential customers who fall outside these standards will have to pay a more expensive rate and ends up with business not being written. The ads state "customers that switch" not "people who quote" save that kind of money. That's why companies can truthfully advertise the way they do. Because of the profiling, you should get as many comparisons as possible. It's not possible to predict the company that will provide you with the cheapest rates.

More Indiana auto insurance information

Even more information is located at the Indiana Department of Insurance website. Indiana drivers can learn about insurance regulations, view a list of available companies, get help finding coverage, and download brochures.

In the end, you save

When shopping online for auto insurance, never buy poor coverage just to save money. There are many occasions where an insured dropped collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible at a price you can afford.

The cheapest auto insurance can be sourced on the web in addition to many Daleville insurance agents, and you should be comparing both to have the best rate selection. Some auto insurance companies do not provide online price quotes and most of the time these small, regional companies sell through independent agents.