6 Discounts Gary Drivers Forget when Comparing Car Insurance

Searching for the lowest cost Gary car insurance on the internet can be intimidating for people who are new to price shopping online. Since there are so many insurance companies available, how can you possibly compare them all to find the lowest rates?

Save big with these six discounts

Insuring your fleet can be pricey, but discounts can save money and there are some available to help offset the cost. Larger premium reductions will be automatically applied at the time you complete a quote, but some may not be applied and must be manually applied prior to getting the savings. If you're not getting every credit you deserve, you are throwing money away.

  • Pay Upfront and Save - If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
  • Senior Citizens - If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums.
  • Discount for Life Insurance - Some companies give a discount if you purchase life insurance from them.
  • More Vehicles More Savings - Insuring multiple cars or trucks on one policy could earn a price break for each car.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • Save with a New Car - Insuring a new car is cheaper compared to insuring an older model.

Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce the cost of specific coverages such as liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, it just doesn't work that way. But any discount will bring down your overall premium however.

compare Gary car insurance rates

But I don't know anything about car insurance

When it comes to buying coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Everyone's needs are different.

These are some specific questions may help you determine if your situation would benefit from professional advice.

  • What can I do if my company won't pay a claim?
  • Should I buy additional glass protection?
  • Are my tools covered if they get stolen from my vehicle?
  • When does my teenage driver need to be added to my policy?
  • What happens if I owe more than my vehicle is worth?
  • Am I covered when driving on a suspended license?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Can I still get insurance after a DUI?

If you don't know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. If you don't have a local agent, complete this form. It's fast, doesn't cost anything and can provide invaluable advice.

Car insurance ads bend the truth

Consumers in Indiana get pounded daily by advertisements for car insurance savings from the likes of State Farm, Allstate and GEICO. They all say the same thing that you can save if you move your coverage to them.

How does each company claim to save you money?

Different companies have a preferred profile for the type of customer that earns them a profit. A good example of a driver they prefer might be a mature driver, insures multiple vehicles, and drives less than 7,500 miles a year. Any new insured who fits that profile will get very good rates and most likely will save when switching.

Potential customers who fall outside these standards will be quoted a more expensive rate which usually ends up with the customer not buying. The ads say "people who switch" not "people who quote" save that much money. This is how insurance companies can advertise the way they do.

This emphasizes why drivers should compare as many rates as you can. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

More information can be read on the Indiana Department of Insurance website through this link. Visitors are able to view a list of available companies, learn about insurance regulations, and view agent and company licensing information.

Also read more on this page for car insurance prices in Indiana and this list of insurance agents in Gary, IN.

Gary car insurance comparison

Best coverage at the best price

Consumers who switch companies do it for many reasons like unfair underwriting practices, denial of a claim, delays in paying claims and even lack of trust in their agent. Whatever your reason, finding the right car insurance provider is less work than it seems.

When shopping online for car insurance, make sure you don't skimp on coverage in order to save money. There have been many situations where drivers have reduced collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to find the BEST coverage at an affordable rate while still protecting your assets.

Affordable car insurance is possible both online as well as from independent agents in Gary, and you need to price shop both to have the best rate selection. Some car insurance companies don't offer you the ability to get quotes online and these small insurance companies work with independent agents.