Buy the Cheapest Dubois Auto Insurance

Overpriced auto insurance can empty your personal savings and put the squeeze on your family's finances. Shopping your coverage around is a great way to help make ends meet. Companies like GEICO and Progressive all promote huge savings with catchy ads and consumers find it hard to sift through the bull and take the time to shop coverage around.

More discounts equal less premium

Companies don't necessarily list every discount in a way that's easy to find, so here is a list some of the best known as well as the least known discounts you could be receiving. If you aren't receiving every discount you deserve, you are throwing money away.

Pay Now and Pay Less - By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
Life Insurance Discount - Some companies give better rates if you take out auto and life insurance together.
Clubs and Organizations - Affiliation with a civic or occupational organization may earn a discount when shopping for auto insurance.
Seat Belt Usage - Requiring all passengers to buckle their seat belts could cut 10% or more off your PIP or medical payments premium.
Claim Free - Drivers who don't have accidents can earn big discounts when compared to drivers who are more careless.

Keep in mind that some credits don't apply to your bottom line cost. Most only reduce individual premiums such as liability and collision coverage. So despite the fact that it appears all those discounts means the company will pay you, it just doesn't work that way.

It's not one size fits all

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone's needs are different and your policy should reflect that. Here are some questions about coverages that can help discover if you would benefit from professional advice.

Are my tools covered if they get stolen from my vehicle?
What happens if I owe more than my vehicle is worth?
Do I qualify for additional discounts?
Why am I be forced to buy a membership to get insurance from some companies?
Will I be non-renewed for getting a DUI or other conviction?
Am I covered when driving on a suspended license?
Am I getting all the discounts available?

If you can't answer these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It's fast, doesn't cost anything and can help protect your family.

Switch companies and save? Really?

Indiana drivers get pounded daily by advertisements for car insurance savings from the likes of State Farm, Allstate and GEICO. They all have a common claim that you can save if you change your coverage to them.

How can each company say the same thing?

All the different companies have a preferred profile for the type of customer that earns them a profit. An example of a driver they prefer might be profiled as a mature driver, has no prior claims, and chooses high deductibles. A propective insured that hits that "sweet spot" will get the preferred rates and therefore will save when they switch companies.

Potential customers who do not match the requirements will be quoted a higher premium and this can result in business not being written. The ads state "customers that switch" not "everyone that quotes" save that much money. This is how insurance companies can state the savings. This emphasizes why you should get a wide range of price quotes. It's not possible to predict which insurance companies will give you the biggest savings.

Learn more about auto insurance in Indiana

Additional detailed information is available at the Indiana Department of Insurance website. Indiana drivers can view a list of available companies, file complaints about an insurance agent or broker, find out which companies have the most complaints, and find a variety of consumer forms.

And the best car insurance company is...

When buying insurance coverage, it's a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to get the best coverage possible at a price you can afford while still protecting your assets.

Affordable auto insurance can be sourced on the web as well as from independent agents in Dubois, and you need to price shop both to have the best rate selection. Some insurance companies don't offer you the ability to get quotes online and these smaller companies work with independent agents.