Easy Ways to Spend Less on Fairland Auto Insurance

Searching for affordable Fairland auto insurance on the internet is rather challenging for consumers new to shopping for insurance online. When there are so many online companies, how can consumers possibly compare the different rates to find the cheapest rates?

It's important to compare prices quite often because prices are constantly changing. If you had the lowest rates on your last policy you can probably find a better price now. So ignore everything you know about auto insurance because you're going to get a crash course in the tricks you need to know to find lower rates on auto insurance.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of some of the elements that come into play when calculating the price you pay for auto insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

The list below includes a few of the "ingredients" used by your company to calculate rates.

With age comes lower rates - More mature drivers are viewed as being more responsible, statistically cause fewer accidents and receive fewer citations. Teen drivers tend to be more careless when driving and because of this, their auto insurance rates are much higher.
Men fork out a little more - Statistics have proven women are more cautious behind the wheel. However, don't assume that women are BETTER drivers than men. Both sexes tend to get into accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations such as DWI and reckless driving.
Rates may be higher depending on your occupation - Jobs such as lawyers, architects and dentists have the highest average rates due to high stress levels and long work days. Other professions such as pilots, historians and the unemployed get better rates.
Lower rates with optional equipment - Purchasing a vehicle with a theft deterrent system can help bring down rates. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping your car from being stolen.
Liability coverage is cheap - The liability section of your policy is the protection if ever a court rules you are at fault for personal injury or accident damage. It will provide for a legal defense which can be incredibly expensive. This coverage is very inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.

Save big with these discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that can drop the cost substantially. Most are applied at quote time, but lesser-known reductions have to be inquired about in order for you to get them.

College Student - Children who attend school more than 100 miles from home without a vehicle on campus may qualify for this discount.
Save over 55 - If you're over the age of 55, you can possibly qualify for a small decrease in premiums.
Claim Free - Drivers who don't have accidents can save substantially as compared to accident-prone drivers.
Pay Upfront and Save - If you pay your bill all at once instead of making monthly payments you could save up to 5%.
Organization Discounts - Participating in a civic or occupational organization could qualify you for a break on auto insurance.
Government Employees - Employees or retirees of the government could cut as much as 10% off with select insurance companies.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Some only reduce specific coverage prices like liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will reduce your overall premium however.

To choose companies with the best auto insurance discounts in Fairland, follow this link.

Auto insurance ads bend the truth

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use ads on TV and radio. They all seem to say the same thing about savings if you move your coverage to them. How can each company make almost identical claims? It's all in the numbers.

Insurance companies have a preferred profile for the type of customer that makes them money. For example, a desirable insured could possibly be over the age of 40, insures multiple vehicles, and has great credit. A customer getting a price quote who fits that profile will get very good rates and most likely will save when they switch companies.

Potential insureds who fall outside the requirements will have to pay more money which usually ends up with the driver buying from a lower-cost company. The ads say "customers who switch" not "people who quote" save that much money. This is how companies can truthfully advertise the savings.

Because of the profiling, you should get as many quotes as possible. It's impossible to know which insurance companies will fit your personal profile best.

But I don't know anything about car insurance

When buying adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Every situation is different.

These are some specific questions may help you determine if your situation could use an agent's help.

Why does it cost so much to insure a teen driver in Fairland?
Should I put collision coverage on all my vehicles?
What companies insure drivers after a DUI or DWI?
Do I have any recourse if my insurance company denies a claim?
Are rental cars covered under my policy?
Do I qualify for additional discounts?
Am I covered if I drive in a foreign country?
Can I rate high risk drivers on liability-only vehicles?

If you don't know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don't have a local agent, fill out this quick form.

More sites with auto insurance information

Additional information can be found on the Indiana Department of Insurance website found here. Indiana consumers can read enforcement actions against agents and companies, learn about insurance regulations, and read industry bulletins.

Shop smart and save

When you buy insurance online, it's not a good idea to buy poor coverage just to save money. There are many occasions where drivers have reduced uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. Your aim should be to find the BEST coverage at the best price.

Consumers who switch companies do it for a variety of reasons including not issuing a premium refund, denial of a claim, high rates after DUI convictions or even extreme rates for teen drivers. Whatever your reason, finding a new auto insurance company is easier than you think.

Cheaper auto insurance is definitely available online as well as from independent agents in Fairland, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who don't offer online price quotes and most of the time these regional insurance providers sell through independent agents.