Car Insurance in Ellettsville - 8 Discounts to Save Money

Have you had enough of robbing Peter to pay Paul each month for car insurance? You're in the same situation as the majority of other car owners in Indiana. Since consumers have many different company options, it can be diffult for consumers to pick the most affordable company.

It's important to get comparison quotes before your policy renews since rates are constantly changing. Even if you got the lowest price a couple years back the chances are good that you can find a lower rate today. Block out anything you think you know about car insurance because you're about to learn the tricks you need to know to find great coverage at a great price.

The purpose of this post is to let you in on the best way to quote coverages. If you are paying for car insurance now, you will most likely be able to cut costs considerably using this information. Indiana vehicle owners just need to know the proper way to compare rates over the internet.

Policy discounts you shouldn't miss

The price of auto insurance can be rather high, but companies offer discounts to reduce the price significantly. Some trigger automatically at quote time, but less common discounts must be asked about in order for you to get them. If you don't get every credit available, you're paying more than you need to.

New Car Discount - Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
Employee of Federal Government - Being employed by or retired from a federal job may qualify you for a discount with select insurance companies.
Bundle and Save - When you combine your home and auto insurance with one company you will save approximately 10% to 15%.
Early Switch Discount - A few companies offer discounts for switching to them before your current expiration date. It's a savings of about 10%.
Air Bag Discount - Factory air bags can receive discounts of more than 20%.
Sign Online - A handful of insurance companies will give a small break for buying a policy and signing up online.
Military Discounts - Being on active duty in the military may qualify for rate reductions.
Seat Belts Save - Using a seat belt and requiring all passengers to use a seat belt could save 15% off the personal injury premium cost.

Drivers should understand that most discounts do not apply to the entire cost. Most only cut the cost of specific coverages such as collision or personal injury protection. So when the math indicates having all the discounts means you get insurance for free, companies wouldn't make money that way. But all discounts will help reduce the amount you have to pay.

To see a list of companies who offer car insurance discounts in Indiana, click here to view.

Cheap Ellettsville Car Insurance Comparisons

Finding cheaper car insurance prices is not a difficult process. Consumers just need to take time to compare rate quotes provided by online insurance companies. This can be accomplished in just a few minutes using one of these methods.

The best way consumers can analyze rates is a comparison rater form click to view form in new window. This easy form saves time by eliminating a different quote to each individual car insurance company. In just a few minutes this one form gets rate comparisons .
A different way to shop for car insurance online is spending the time to visit the website for each individual company to complete a price quote. For sake of this example, we'll assume you want rates from , and . To find out each rate you need to spend time on each company's site and enter your policy data, which is why most consumers use the first method. For a list of links to companies insuring cars in Ellettsville, click here.

It's your choice how you get your quotes, but ensure you're using apples-to-apples information for every company. If you enter higher or lower deductibles it will be next to impossible to decipher which rate is best in Ellettsville.

Save $429 a year? Really?

Consumers can't get away from ads for the lowest price auto insurance from companies such as GEICO, State Farm and Progressive. They all seem to make an identical promise that you'll save big after switching your policy.

But how can every company make the same claim?

All the different companies can use profiling for the right customer that is profitable for them. For instance, a desirable insured could be between 25 and 40, is a homeowner, and drives less than 10,000 miles a year. Any new insured who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Potential insureds who don't qualify for this ideal profile will have to pay more money and ends up with business going elsewhere. The ad wording is "people who switch" but not "drivers who get quotes" save that kind of money. That's why companies can advertise the way they do.

Because of the profiling, drivers must compare many company's rates. It's just too difficult to predict the company that will provide you with the cheapest rates.

In the end, you save

As you go through the steps to switch your coverage, don't be tempted to reduce coverage to reduce premium. In many instances, an accident victim reduced liability coverage limits only to discover later that the savings was not a smart move. The ultimate goal is to purchase a proper amount of coverage at an affordable rate.

You just learned many tips how you can compare car insurance prices online. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the most savings is with a company that doesn't do a lot of advertising. These smaller insurers may only write in your state and offer lower rates compared to the large companies like .

Learn more today

Much more information about car insurance in Indiana is located on the website for the Indiana Department of Insurance through this link. Consumers can file complaints about an insurance agent or broker, download brochures, view agent and company licensing information, and file complaints about a company.

Additional helpful sites include Auto Insurance 101 and this page where you can research Ellettsville insurance agents.