Car Insurance in Griffith - 6 Discounts to Save Money

Finding low-cost Griffith car insurance over the internet is challenging for consumers not familiar with comparison shopping online. With dozens of insurers to choose from, how can you even start to compare every company to locate the best pricing?

It's important to check car insurance prices yearly since rates are constantly changing. Even if you got the best deal a few years ago you may be paying too much now. Starting right now, ignore everything you know about car insurance because we're going to show you the only way to save money, get proper coverage and the best rates.

Where Can I Get Cheap Griffith Car Insurance?

There are several ways to compare car insurance quotes, but there is one way that is less time-consuming than others. You could spend your day driving to agents in Griffith, or you could save time and use online quotes to get rates in a matter of minutes.

All the larger companies participate in an industry program that allows shoppers to enter their policy data once, and every company then returns a price quote based on the submitted data. This saves time by eliminating repetitive form submissions for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

The only drawback to using this type of form is that you can't choose which companies you want to price. If you wish to select from a list of companies for rate comparison, we put together a list of car insurance companies in Indiana. Click to view list.

It's your choice how you get your quotes, but make sure you use exactly the same information with each company. If you enter higher or lower deductibles it will be impossible to make an equal comparison in Griffith. Quoting even small variations in coverages can make a big difference in price. And when comparing car insurance rates, know that quoting more will increase your chances of finding the best price.

Indiana car insurance quotes

How much can you save with these six discounts?

The price of auto insurance can be rather high, but there are discounts available to reduce the price significantly. Most are applied at the time of quoting, but lesser-known reductions have to be manually applied before you will receive the discount.

  • Life Insurance - Companies who offer life insurance give better rates if you take out life insurance.
  • Save with a New Car - Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Bundle and Save - When you have multiple policies with one company you could get a discount of at least 10% off all policies.
  • Good Student Discount - Getting good grades can earn a discount of 20% or more. The discount lasts well after school through age 25.
  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Sign Online - A few companies may give you up to $50 for buying your policy digitally online.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. Most only cut individual premiums such as collision or personal injury protection. Just because you may think adding up those discounts means a free policy, you won't be that lucky. Any amount of discount will reduce the amount you have to pay.

For a list of companies who offer car insurance discounts in Griffith, click here to view.

How much car insurance do I need?

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a "best" method to buy coverage. Everyone's needs are different.

For example, these questions can help discover if your insurance needs could use an agent's help.

  • When does my teenage driver need to be added to my policy?
  • Who is covered when they drive my vehicle?
  • What are the best liability limits?
  • Why am I required to buy high-risk coverage?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Should I file a claim if it's only slightly more than my deductible?
  • Do I need to file an SR-22 for a DUI in Indiana?

If you're not sure about those questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form.

Additional information is available on the Indiana Department of Insurance website located here. Visitors are able to view agent and company licensing information, file complaints about an insurance agent or broker, and file complaints about a company.

Indiana car insurance quotes

The best insurance company isn't always the cheapest

When shopping online for car insurance, it's not a good idea to reduce needed coverages to save money. In many instances, consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase a proper amount of coverage at a price you can afford.

People change insurance companies for a number of reasons such as delays in paying claims, unfair underwriting practices, poor customer service and lack of trust in their agent. It doesn't matter what your reason, choosing a new insurance company is not as hard as you think.

We just covered many tips how you can lower your car insurance rates. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. Consumers may even find the lowest premiums are with a small local company.