Top 5 Ways to Pay Less on Car Insurance in Evansville

If online car insurance comparisons are new to you, you may be overwhelmed by the vast number of car insurance companies selling insurance in Evansville.

If you have a policy now or are shopping for new coverage, you can follow these tips to find the best rates while maintaining coverages. This article will introduce you to the most effective way to quote insurance. Indiana consumers only need to know the most efficient way to shop their coverage around on the web.

Finding Car Insurance Deals in Evansville, IN

Most companies such as Allstate, GEICO and Progressive provide price estimates online. Getting quotes is quite simple as you just enter your coverage preferences into the quote form. When the form is submitted, the system will obtain credit information and your driving record and returns pricing information based on these factors.

Online price quotes streamlines rate comparisons, but the time it takes to visit multiple sites and type in the same information is repetitive and time-consuming. Unfortunately, it is important to perform this step if you want to find a lower rate.

A quicker way to get multiple rate quotes is to use a quote form to get prices from a lot of companies. It's a real time-saver, eliminates form submissions, and makes quoting online much more efficient. Immediately after you send the form, it gets priced with multiple companies and you can pick any of the quotes returned. If you find a better price you simply finish the application and purchase coverage. The whole process can be completed in less than 10 minutes and you will find out if you're overpaying now.

To find out how much you're overpaying now, click here and fill out the form. If you have your current policy handy, we recommend you replicate as close as possible to your current policy. This ensures you will receive a rate comparison for similar insurance coverage.

More discounts equal less premium

Companies offering auto insurance don't necessarily list all available discounts in an easy-to-find place, so the following is a list of both the well known and also the lesser-known savings tricks you should be using. If they aren't giving you every credit you qualify for, you're paying more than you need to.

  • Multiple Cars - Having all your vehicles on the same car insurance policy can get a discount on all vehicles.
  • Anti-theft Discount - Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Fewer Miles Equal More Savings - Low mileage vehicles could qualify for discounted rates on garaged vehicles.
  • Safety Course Discount - Completing a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Life Insurance - Companies who offer life insurance give lower rates if you buy a life insurance policy as well.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, you won't be that lucky.

To see a list of insurers with discount car insurance rates in Evansville, click here to view.

It's not one size fits all

When choosing coverage for your vehicles, there is no "best" method to buy coverage. Every situation is different.

Here are some questions about coverages that might point out if you might need an agent's assistance.

  • Am I covered when driving on a suspended license?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Is my dog or cat covered if injured in an accident?
  • Should I rate my vehicle as pleasure use or commute?
  • What happens if I owe more than my vehicle is worth?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What are the best liability limits?

If you're not sure about those questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Even more information can be read at the Indiana Department of Insurance website. Visitors are able to report car insurance fraud, read consumer alerts, and find disaster information.