Comparison Shop Hagerstown Auto Insurance Prices With These Techniques

Buying the cheapest Hagerstown auto insurance on the internet is rather challenging for people who are new to comparing rates online. Because there are so many choices, how can you even start to compare them all to find the lowest rates?

Be sure to get all your discounts

Companies don't necessarily list every discount in an easy-to-find place, so the following is a list of both well-publicized as well as the least known auto insurance savings. If they aren't giving you every credit you deserve, you are throwing money away.

  • Payment Discounts - If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • Multiple Policy Discount - If you have multiple policies with one company you could get a discount of 10% to 20% off each policy.
  • Anti-theft System - Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
  • Low Mileage Discounts - Driving fewer miles could qualify for lower rates on the low mileage vehicles.
  • Defensive Driver - Taking a course in driver safety could cut 5% off your bill if you qualify.
  • Distant Student - Children living away from home attending college and do not have a car can receive lower rates.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Most cut individual premiums such as liability and collision coverage. Just because you may think you could get a free auto insurance policy, you won't be that lucky.

compare Hagerstown auto insurance rates

How do I know if I need professional advice?

When it comes to buying coverage for your personal vehicles, there is no one size fits all plan. Everyone's situation is a little different.

For example, these questions can help discover whether or not you would benefit from professional advice.

  • Are my tools covered if they get stolen from my vehicle?
  • What is the difference between comprehensive and collision coverage?
  • 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 rate my vehicle as pleasure use or commute?
  • What are Indiana no-fault laws?
  • Do I need PIP (personal injury protection) coverage in Indiana?

If you don't know the answers to these questions, you might consider talking to a licensed insurance agent. If you don't have a local agent, fill out this quick form. It's fast, doesn't cost anything and can help protect your family.

Is there truth in advertising?

Indiana consumers get pounded daily by advertisements for car insurance savings by State Farm, Allstate and GEICO. They all say the same thing about savings if you switch to their company.

How do they all make almost identical claims?

Different companies have a preferred profile for the driver that earns them a profit. A good example of a driver they prefer could possibly be a mature driver, has no prior claims, and drives less than 7,500 miles a year. A driver who fits that profile gets the lowest rates and is almost guaranteed to cut their rates substantially.

Consumers who don't measure up to the "perfect" profile will be quoted higher prices which usually ends up with the driver buying from a lower-cost company. The ads say "customers that switch" but not "drivers who get quotes" save that much. This is how companies can truthfully advertise the way they do. This emphasizes why you should get a wide range of price quotes. It is impossible to predict which insurance companies will provide you with the cheapest rates.

Even more information can be read at the Indiana Department of Insurance website. Indiana consumers can view a list of available companies, view agent and company licensing information, and read consumer alerts.

Indiana auto insurance quotes

Best coverage at the best price

Consumers switch companies for a number of reasons such as unfair underwriting practices, policy non-renewal, delays in responding to claim requests and even not issuing a premium refund. Regardless of your reason, choosing a new insurance company is less work than it seems.

When shopping online for auto insurance, you should never buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase plenty of coverage at a price you can afford while still protecting your assets.

Cheaper auto insurance can be found online and also from your neighborhood Hagerstown agents, and you need to price shop both in order to have the best price selection to choose from. Some auto insurance companies may not provide you the ability to get quotes online and these small insurance companies work with independent agents.