Car Insurance in Floyds Knobs Indiana - 10 Tricks to Save Money

I can't think of anyone who looks forward to buying car insurance, especially when the cost is way too high.

Drivers have multiple to buy insurance from, and although it's a good thing to have a selection, it can be more challenging to compare rates.

The purpose of this article is to introduce you to how to effectively get price quotes and some money-saving tips. If you currently have car insurance, you will be able to lower your premiums substantially using this information. Nevertheless, Indiana car owners do need to know the way companies price insurance differently and apply this information to your search.

compare Floyds Knobs car insurance rates

Automobile Insurance Quotes in Floyds Knobs, IN

There are several ways to shop for car insurance, and some are less time-consuming than others. You can spend countless hours talking to insurance companies in Floyds Knobs, or you can stay home and use online quoting to quickly compare rates.

The majority of car insurance companies enroll in a system that allows shoppers to enter their coverage request one time, and every company provides a quote. This prevents consumers from doing quote forms to each individual car insurance company.

To submit your quote information now, click to open in new window.

The one downside to using this type of form is you can't choose the providers to get quotes from. If you would rather choose individual companies to compare prices, we have a listing of the cheapest car insurance companies in Indiana. Click to view list.

However you get your quotes, make absolute certain that you use identical information with each company. If you compare higher or lower deductibles it will be very difficult to make an equal comparison in Floyds Knobs. Slightly different coverage limits may cause a big price difference. And when quoting car insurance, remember that obtaining a wide range of quotes helps locate the best price.

Be sure to get all your discounts

Insuring your fleet can be pricey, but you can get discounts to reduce the price significantly. Certain discounts will be applied at the time of quoting, but a few need to be manually applied before you will receive the discount.

  • Service Members Pay Less - Being deployed with a military unit may qualify for rate reductions.
  • Anti-lock Brakes - Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • Life Insurance Discount - Larger companies have a discount if you purchase life insurance from them.
  • Distant Student - Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • 55 and Retired - Mature drivers may be able to get better car insurance rates.
  • Federal Employees - Being employed by or retired from a federal job can earn a discount up to 10% with a few car insurance companies.
  • New Car Discount - Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.
  • Payment Method - By paying your policy upfront instead of paying each month you may reduce your total bill.
  • Multiple Vehicles - Buying insurance for multiple vehicles on the same car insurance policy qualifies for this discount.
  • Good Student - A discount for being a good student can save 20 to 25%. This discount can apply well after school through age 25.

It's important to understand that some of the credits will not apply to your bottom line cost. Most cut the price of certain insurance coverages like liability and collision coverage. So when the math indicates you could get a free car insurance policy, it doesn't quite work that way. Any qualifying discounts will bring down the amount you have to pay.

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

How do I know if I need professional advice?

When choosing the right insurance coverage for your vehicles, there isn't really a "perfect" insurance plan. Everyone's situation is unique and your policy should reflect that. For example, these questions might point out whether or not you might need an agent's assistance.

  • Am I covered when pulling a rental trailer?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When does my teenage driver need to be added to my policy?
  • What are Indiana no-fault laws?
  • Do I need PIP (personal injury protection) coverage in Indiana?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Do I qualify for additional discounts?

If you can't answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don't have a local agent, simply complete this short form or you can also visit this page to select a carrier

Additional car insurance information can be found on the website for the Indiana Department of Insurance. Click here for link. Consumers can view a list of available companies, find out industry alerts, view agent and company licensing information, and read enforcement actions against agents and companies.