Car Insurance in Hebron, IN - 9 Discounts You Might be Unaware of

Are you tired of trying to scrape together enough money each month for car insurance? You are in the same boat as millions of other consumers.

Insurance companies such as State Farm, Allstate, GEICO and Progressive continually hit you with ad campaigns and it can be hard to sift through the bull and take the time to shop coverage around.

car insurance in Hebron

Cheap Hebron Car Insurance Comparisons

The are a couple different ways to get quotes and find the best price. One of the best ways to find the lowest rates involves getting comparison quotes online. This is very easy and can be done in just a few minutes using one of these methods.

  1. The fastest way to get quotes is a comparison rater form click to view form in new window. This form keeps you from doing separate quotation requests to each individual car insurance company. In just a few minutes this one form compares rates from car insurance companies with the best prices.
  2. A more time consuming way to shop for car insurance online is going to the website for every company you want to comare and complete a new quote form. For instance, let's say you want rates from , and . To find out each rate you need to go to every website and enter your information, which is why the first method is more popular. For a list of links to companies insuring cars in Hebron, click here.
  3. The hardest way to compare rates is to drive around to insurance agents' offices. The internet eliminates the need for an insurance agent unless you require the professional advice only provided by licensed agents. Drivers can find lower rates online but buy from a local insurance agent and we'll cover that in a bit.

It doesn't matter which method you choose, just ensure you're using exactly the same coverage limits and deductibles on every quote. If you use different liability limits it will be impossible to make a fair comparison in Hebron. Having just a slight variation in limits can make a big difference in price. And when price shopping your coverage, quoting more will increase your chances of finding the best rates.

Policy discounts you shouldn't miss

Insurance can be prohibitively expensive, but there are discounts available that many people don't even know exist. Some discounts apply automatically when you complete an application, but a few need to be asked for before they will apply.

  • Military Rewards - Having a family member in the military could mean lower rates.
  • Employee of Federal Government - Employees or retirees of the government may qualify you for a discount depending on your company.
  • Theft Prevention System - Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
  • Payment Discounts - If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
  • Auto/Home Discount - If you insure your home and vehicles with one company you will save approximately 10% to 15%.
  • Passive Restraint Discount - Vehicles equipped with air bags can qualify for discounts up to 30%.
  • Accident Free - Claim-free drivers can save substantially when compared with accident-prone drivers.
  • Multi-car Discount - Buying insurance for more than one vehicle with the same company may reduce the rate for each vehicle.
  • Organization Discounts - Being a member of a civic or occupational organization could trigger savings when buying car insurance.

It's important to note that many deductions do not apply to the entire cost. Most only apply to individual premiums such as liability and collision coverage. So despite the fact that it appears all those discounts means the company will pay you, you're out of luck. But any discount will reduce the amount you have to pay.

To choose insurers offering car insurance discounts in Hebron, click this link.

Save $429 a year? Really?

21st Century, Allstate and State Farm constantly bombard you with television and radio advertisements. All the companies make the same claim that you can save if you switch to them. How can each company claim to save you money?

All the different companies can use profiling for the type of driver that makes them money. For example, a profitable customer might be over the age of 50, is a homeowner, and drives newer vehicles. Any new insured who matches those parameters is entitled to the best price and is almost guaranteed to save when they switch companies.

Consumers who don't qualify for the requirements must pay higher rates which leads to the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save money. That's why insurance companies can claim big savings.

This illustrates why you need to compare as many rates as you can. It's just too difficult to predict the company that will give you the biggest savings.

More information can be found on the website for the Indiana Department of Insurance located here. Visitors are able to find disaster information, download brochures, read consumer alerts, and view a list of available companies.

Shop smart and save

Lower-priced car insurance can be found both online and with local Hebron insurance agents, and you should be comparing both to get a complete price analysis. A few companies do not offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

When trying to cut insurance costs, it's not a good idea to reduce coverage to reduce premium. There are a lot of situations where an accident victim reduced physical damage coverage only to regret at claim time that it was a big mistake. The proper strategy is to buy enough coverage at a price you can afford while not skimping on critical coverages.