Easy Ways to Save Money on Greenfield Auto Insurance

If price shopping auto insurance online is new to you, you can be overwhelmed by the vast number of auto insurance companies competing for business in Greenfield.

Buying car insurance in Greenfield is easy if you know what you're doing. If you have a current auto insurance policy or are looking for a new policy, you can follow these tips to find the best rates and possibly find even better coverage. Indiana vehicle owners just need to know the proper methods to get comparison quotes over the internet.

Take advantage of discounts

Car insurance companies don't necessarily list every discount very well, so we researched both well-publicized and also the lesser-known savings tricks you should be using. If you don't get every credit you qualify for, you're paying more than you need to.

Federal Employees - Being employed by or retired from a federal job can earn a discount up to 10% with a few auto insurance companies.
Good Student - A discount for being a good student can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
Distant Student - Kids in college who are attending college and do not have access to a covered vehicle may qualify for this discount.
Anti-theft System - Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
Low Mileage Discounts - Fewer annual miles could be rewarded with discounted rates on garaged vehicles.
Driver Safety - Taking a course in driver safety can save you 5% or more and easily recoup the cost of the course.
Early Switch Discount - Some companies give discounts for switching policies before your current expiration date. It's a savings of about 10%.
Accident Forgiveness - Some insurance companies allow you one accident before raising your premiums if your claims history is clear for a certain period of time.
Claim Free - Good drivers with no accidents pay much less when compared to bad drivers.
Lower Rates for Military - Being on active duty in the military may qualify for rate reductions.

Drivers should understand that most discount credits are not given to the entire policy premium. Most only apply to specific coverage prices like comp or med pay. So even though it sounds like you could get a free auto insurance policy, companies wouldn't make money that way.

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

Auto Insurance Comparison Rates in Greenfield, IN

Finding cheaper auto insurance prices is surprisingly easy. Just spend a few minutes on the computer getting comparison quotes online from several insurance companies. This can be accomplished using a couple different methods.

The best way to find low rates is to use a rate comparison form like this one (opens in new window). This easy form keeps you from doing separate quotes for each company. Just one form will get you rate comparisons instantly. This is by far the quickest method.
A less efficient way to compare rate quotes requires you to visit the website of each company and complete a new quote form. For instance, let's say you want to compare , and . You would have to go to every website and enter your policy data, which is why the first method is quicker.

To view a list of companies in Greenfield, click here.

It's up to you which method you use, but be sure to compare apples-to-apples coverage information on every quote. If you use unequal deductibles or liability limits then you won't be able to make a fair comparison in Greenfield.

Tips to Get Lower Greenfield Rates

An important part of buying insurance is that you know the different types of things that help determine the price you pay for auto insurance. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that will entitle you to better auto insurance rates.

Small claims can cost you - Companies in Indiana award discounts to people who do not file claims often. If you tend to file frequent claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Car insurance is designed for larger claims.
Traffic violations increase rates - Even one citation can bump up the cost by twenty percent. Drivers who don't get tickets get better rates compared to drivers with tickets. If you have flagrant violations like DUI or reckless driving may find they need to file a SR-22 with their state DMV in order to keep their license.
Mature drivers pay less - Teen drivers in Indiana are known to be careless and easily distracted behind the wheel so auto insurance rates are higher. Having to add a teen driver onto a policy can really hurt. Older drivers are more cautious drivers, tend to cause fewer accidents and receive fewer citations.
Consolidate policies to earn discounts - Many insurers provide better rates to customers who carry more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, it's still a good idea to compare rates to verify if the discount is saving money.

How to know if you need help

When choosing the best auto insurance coverage for your vehicles, there really is no one size fits all plan. Every situation is different.

These are some specific questions may help highlight whether your personal situation might need professional guidance.

Am I covered if I drive in a foreign country?
Do I need to file an SR-22 for a DUI in Indiana?
What are Indiana no-fault laws?
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 have combined single limit or split liability limits?

If you're not sure about those questions then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Are auto insurance companies telling the truth?

Indiana consumers can't get away from ads for cheaper car insurance from the likes of Progressive, Allstate and GEICO. They all make an identical promise that you'll save big after switching your coverage to them.

But how can every company make almost identical claims? It's all in the numbers.

Different companies have a certain "appetite" for the type of customer that is profitable for them. For instance, a driver they prefer could possibly be between 30 and 50, a clean driving record, and drives less than 7,500 miles a year. A driver who meets those qualifications is entitled to the best price and most likely will save a lot of money.

Consumers who don't qualify for this ideal profile will be quoted higher rates and ends up with the driver buying from a lower-cost company. Company advertisements say "customers who switch" not "people who quote" save that much money. That is how companies can advertise the way they do. This emphasizes why drivers must get as many comparisons as possible. It is impossible to predict which company will provide you with the cheapest rates.

In the end, you save

People change insurance companies for a variety of reasons including extreme rates for teen drivers, poor customer service, not issuing a premium refund or policy non-renewal. No matter why you want to switch, finding a new auto insurance company is actually quite simple.

In this article, we presented some good ideas how you can compare auto insurance prices online. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may even find the best prices are with some of the smallest insurance companies.

When shopping online for auto insurance, do not reduce coverage to reduce premium. There are too many instances where someone dropped collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy enough coverage at the best price while still protecting your assets.

More detailed Indiana auto insurance information is located at the Indiana Department of Insurance website. Indiana consumers can download brochures, file complaints about a company, and read enforcement actions against agents and companies.

Additional helpful sites include this site for auto insurance rates in Indiana and this list of insurance agents in Greenfield.