Car Insurance in Hanover - 6 Discounts You Might be Missing

People who are new to buying insurance online will discover shopping for cheap Hanover car insurance quite challenging.

It's important to price shop coverage periodically since rates are constantly changing. Even if you got the best deal six months ago there may be better deals available now. Starting now, forget anything you know (or think you know) about car insurance because we're going to show you the proper way to lower your annual insurance bill.

If you have car insurance now, you will most likely be able to save some money using these methods. Buying affordable coverage in Hanover is simple if you know the tricks. Nevertheless, Indiana car owners do need to know the way insurance companies price online insurance and take advantage of how the system works.

Hanover car insurance quote

Save big with these six discounts

Car insurance companies do not advertise every available discount in a way that's easy to find, so here is a list some of the more common and also the lesser-known savings tricks you should be using.

  • Anti-lock Brake System - Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
  • Early Signing - Some companies give discounts for switching to them before your current policy expires. This can save 10% or more.
  • Anti-theft Discount - Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
  • Military Discounts - Being on active duty in the military could mean lower rates.
  • Payment Discounts - If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
  • Resident Student - Kids in college who live away from home and do not have a car may qualify for this discount.

It's important to understand that most discounts do not apply to the entire policy premium. Most only apply to specific coverage prices like comprehensive or collision. Just because it seems like you can get free auto insurance, it doesn't quite work that way.

For a list of providers offering car insurance discounts in Hanover, click here to view.

How to Get Hanover Car Insurance Comparison Quotes

There are several ways to compare rate quotes from different Hanover insurance companies. The recommended way to compare insurance prices consists of obtaining rate quotes online. This can be accomplished using a couple different methods.

One of the best ways consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This easy form eliminates the need for boring form submissions for every car insurance company. Just one form compares rates from all major companies. It's the fastest way to compare.

A different way to get quotes online is going to the website for each individual company and request a quote. For instance, let's say you want to compare , and . To get rate quotes you would need to go to every website and enter your information, which is why the first method is quicker.

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

The least recommended method to compare rates is driving to different agent offices. The ability to buy insurance online makes this process obsolete unless you want the professional guidance of a local agent. However, consumers can compare online quotes and still use a local agent and we'll cover that in a bit.

It's your choice how you get your quotes, but be sure to compare exactly the same coverage limits and deductibles with every price quote. If you use different liability limits you can't possibly find the best deal in Hanover. Quoting even small variations in coverage limits may result in large price differences. Keep in mind that comparing more company's prices will increase your chances of finding the best rates.

But I don't know anything about car insurance

When it comes to choosing proper insurance coverage for your vehicles, there really is not a "perfect" insurance plan. Your needs are not the same as everyone else's.

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

  • Does my insurance cover a custom paint job?
  • Does my car insurance cover rental cars?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Am I covered when pulling a rental trailer?
  • What can I do if my company won't pay a claim?
  • What are Indiana no-fault laws?

If you're not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form.

Final considerations

As you restructure your insurance plan, it's not a good idea to sacrifice coverage to reduce premiums. Too many times, someone dropped liability limits or collision coverage only to find out that they should have had better coverage. The aim is to buy enough coverage at the best price, not the least amount of coverage.

You just learned many tips how you can get a better price on car insurance. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the best price on car insurance is with a small mutual company.

People switch companies for a variety of reasons including policy cancellation, high prices, policy non-renewal and unfair underwriting practices. Whatever your reason, finding a new car insurance company is not as hard as you think.