5 Discounts Indiana Consumers Forget when Buying Car Insurance

Saving money on Indiana car insurance is difficult for people who are new to comparison shopping online. There are so many companies to choose from that it can easily become a ton of work to find lower rates in Indiana.

Fast and Easy Indiana Car Insurance Quotes

There are several ways to get quotes and find the best price. The recommended way to find the cheapest insurance rates is to perform an online rate comparison. This can be accomplished in a couple of different ways.

The first (and easiest) way to get the best comparison quotes is to use a rate comparison form click to view form in new window. This method prevents you from having to do separate quote forms for each company you want a rate for. Taking the time to complete one form will return price quotes from many national carriers. This is perfect if you don't have a lot of time.

A more time consuming way to get quotes online consists of visiting the website of each company to complete their respective quote request forms. For example, we'll pretend you want rates from , and . To get each rate you have to visit each site to enter your coverage information, which is why the first method is more popular.

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

Which method you use is up to you, but double check that you are using the exact same deductibles and coverage limits on every quote you get. If you have different values for each quote it's not possible to determine which rate is truly the best in Indiana. Just a small difference in coverages can mean a large discrepancy in price. It's important to know that more quotes will enable you to find better pricing.

Save big with these 5 discounts

Companies offering auto insurance don't always advertise every discount in an easy-to-find place, so the following is a list of both the well known as well as the least known car insurance savings.

  • Accident Free - Claim-free drivers pay less when compared to frequent claim filers.
  • Student Driver Training - Require your teen driver to successfully complete driver's ed class in high school.
  • Pay Upfront and Save - If you pay your bill all at once rather than paying monthly you can actually save on your bill.
  • More Vehicles More Savings - Insuring multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Multiple Policy Discount - When you have multiple policies with the same company you will save at least 10% off all policies.

A little note about advertised discounts, most credits do not apply to the entire cost. Some only reduce individual premiums such as comp or med pay. Just because you may think adding up those discounts means a free policy, you won't be that lucky.

For a list of insurance companies with the best car insurance discounts in Indiana, follow this link.

Even more information can be read at the Pennsylvania Insurance Department website. Visitors are able to read industry bulletins, download brochures, and view a list of available companies.

compare Indiana car insurance rates

Affordable insurance is out there

Consumers who switch companies do it for a number of reasons such as high rates after DUI convictions, extreme rates for teen drivers, lack of trust in their agent and policy non-renewal. Whatever your reason, choosing a new insurance company is not as hard as you think.

Cheaper car insurance is possible both online and with local Indiana insurance agents, so you should compare both to have the best selection. There are still a few companies who do not offer online quoting and these small insurance companies work with independent agents.

When you buy insurance online, never reduce needed coverages to save money. There are too many instances where an insured dropped full coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your strategy should be to find the BEST coverage at a price you can afford while still protecting your assets.