Free Guide to Spending Less for Greencastle Car Insurance Online

Having to pay for overpriced car insurance can overdraw your savings account and put a big crunch on your finances. Comparison shopping is free and is an excellent way to reduce premiums and put more money in your pocket.

Big companies like State Farm, Allstate, GEICO and Progressive constantly bombard you with advertising and it is difficult to sift through the bull and find the best price available.

It's important to check car insurance prices on a regular basis because rates are constantly changing. Just because you found the lowest price a couple years back you will most likely find a better rate today. Block out anything you think you know about car insurance because you're about to find out how to use online quotes to find great coverage at a great price.

If you currently have car insurance, you should be able to cut costs considerably using these techniques. Choosing the best insurance company for you in Greencastle is not that difficult. Although Indiana car owners do need to know the methods companies use to sell online because it can help you find the best coverage.

Don't pay full price with these discounts

Companies that sell car insurance don't always list all their discounts in a way that's easy to find, so we researched some of the more common and the more hidden ways to save on car insurance.

  • Sign Online - Some insurance companies will give a small break for buying your policy digitally online.
  • Own a Home - Owning a house in Greencastle may earn you a small savings due to the fact that maintaining a home shows financial diligence.
  • Early Switch Discount - A few companies offer discounts for switching to them prior to your current policy expiring. It's a savings of about 10%.
  • Good Student Discount - Performing well in school can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
  • Clubs and Organizations - Belonging to a civic or occupational organization could trigger savings on car insurance.
  • Accident Free - Drivers who don't have accidents pay much less as compared to drivers who are more careless.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to complete a driver education course if it's offered in school.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most cut the cost of specific coverages such as liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, you won't be that lucky.

The car insurance bait and switch

Car insurance companies such as State Farm, GEICO and Progressive continually stream ads in print and on television. They all seem to make the same claim about savings after switching to them. How can each company make the same claim?

Different companies have a preferred profile for the type of driver that earns them a profit. For instance, a desirable insured could be over the age of 40, insures multiple vehicles, and drives less than 10,000 miles a year. A customer who matches those parameters gets the lowest rates and therefore will save when they switch companies.

Drivers who don't measure up to the requirements will have to pay a higher premium which leads to business going elsewhere. The ads say "people who switch" not "everyone that quotes" save money. This is how companies can truthfully advertise the way they do. Because of the profiling, you should get quotes from several different companies. Because you never know which insurance companies will provide you with the cheapest rates.

Even more information is located at the Indiana Department of Insurance website. Consumers can get help finding coverage, find disaster information, file complaints about a company, and find out which companies have the most complaints.

The best insurance company isn't always the cheapest

The cheapest car insurance can be sourced from both online companies and with local Greencastle insurance agents, and you need to comparison shop both to have the best selection. Some car insurance companies do not offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

We just showed you some good ideas how to reduce car insurance prices online. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest premiums are with a company that doesn't do a lot of advertising. Regional companies may cover specific market segments cheaper as compared to the big name companies such as .