Top 10 Ways to Save Money on Car Insurance in Dupont

Having to pay for overpriced car insurance can empty your savings account and force you to make sacrifices. Comparison shopping is a smart way to cut your insurance bill.

Big companies like GEICO and Progressive continually hit you with catchy ads and it is difficult to sift through the bull and find the best price available.

It's important to get comparison quotes quite often since rates are constantly changing. Even if you think you had the best rates on your last policy you will most likely find a better rate today. You'll find quite a bit of inaccurate information about car insurance on the internet, so I'm going to show you some great ways to put money back in your pocket.

If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using this strategy. Finding the best rates in Dupont is not that difficult. Although Indiana consumers do need to know how companies market insurance on the web.

Are you getting all your discounts?

Companies that sell car insurance don't always list all their discounts in a way that's easy to find, so the following is a list of both the well known and also the lesser-known car insurance savings.

Discount for Life Insurance - Companies who offer life insurance give better rates if you take out life insurance from them.
Senior Citizens - If you qualify as a senior citizen, you may receive a discount up to 10%.
Military Discounts - Having a deployed family member could be rewarded with lower premiums.
Government Employees - Active or retired federal employment can earn a discount up to 10% with select insurance companies.
Save with a New Car - Buying coverage on a new vehicle is cheaper compared to insuring an older model.
No Claims - Drivers who don't have accidents pay less as compared to drivers who are more careless.
Own a Home - Owning a house in Dupont may trigger a car insurance policy discount because maintaining a house demonstrates responsibility.
Anti-theft System - Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
Accident Waiver - A handful of insurance companies allow you one accident before your rates go up as long as you don't have any claims for a certain period of time.
Passive Restraints - Factory air bags or automatic seat belts can qualify for discounts of 20% or more.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Most only reduce specific coverage prices like collision or personal injury protection. So when the math indicates you could get a free car insurance policy, you won't be that lucky.

Tailor your coverage to you

When it comes to buying coverage for your personal vehicles, there really is not a "best" method to buy coverage. Your needs are not the same as everyone else's and a cookie cutter policy won't apply. For instance, these questions may help you determine whether you would benefit from an agent's advice.

When does my teenage driver need to be added to my policy?
Should I buy additional glass protection?
Am I covered when delivering products for my home-based business?
Do I have coverage for damage caused while driving under the influence?
Can I still get insurance after a DUI?
Will I be non-renewed for getting a DUI or other conviction?
Does my policy cover my teen driver if they drive my company car?
What companies insure drivers after a DUI or DWI?

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

How can GEICO, State Farm and Progressive save drivers who switch?

Car insurance companies such as GEICO, State Farm and Progressive consistently run ads on television and other media. They all seem to say the same thing about savings if you change your policy. How can each company claim to save you money? It's all in the numbers.

Different companies have a preferred profile for the right customer that earns them a profit. A good example of a desirable insured might be between 25 and 40, insures multiple vehicles, and has great credit. Any new insured who fits that profile will get the preferred rates and as a result will probably save when they switch companies.

Potential customers who are not a match for the requirements will have to pay a more expensive rate which usually ends up with the customer not buying. The ads state "customers who switch" not "everybody who quotes" save that kind of money. This is how companies can truthfully advertise the savings. Because of the profiling, you should get quotes from several different companies. It's just too difficult to predict which insurance companies will fit your personal profile best.

Even more information can be read at the Indiana Department of Insurance website. Visitors are able to view agent and company licensing information, learn about insurance regulations, find disaster information, and download brochures.

Final considerations

When you buy insurance online, it's a bad idea to buy lower coverage limits just to save a few bucks. In many instances, drivers have reduced collision coverage and discovered at claim time that the few dollars in savings costed them thousands. The ultimate goal is to get the best coverage possible at the best price.

The cheapest car insurance is attainable both online in addition to many Dupont insurance agents, so you should compare both to have the best rate selection. There are still a few companies who do not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.