Tightwads Instructions on Saving on Lamar Auto Insurance

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Believe me, many Lamar consumers feel financially strained by their auto insurance policy. Lots of contend for your hard-earned dollar, so it can be very hard to choose a to find the absolute lowest price

It's important to check auto insurance prices at least once a year because prices are constantly changing. Despite the fact that you may have had the best price a couple years back you will most likely find a better rate today. Ignore everything you know about auto insurance because I'm going to let you in on the secrets to one of the best ways to find the best coverage while lowering your premiums.

If you have a current auto insurance policy or are looking for a new policy, you can learn to get lower rates while maintaining coverages. Buying car insurance in Lamar is easy if you know what you're doing. Indiana vehicle owners just need to know how to get comparison rates over the internet.

Save big with these discounts

Car insurance companies don't always advertise every available discount in an easy-to-find place, so we took the time to find both the well known and the harder-to-find ways to save on auto insurance. If they aren't giving you every credit possible, you are throwing money away.

  • Anti-theft System - Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Driver Safety - Taking a defensive driving course could possibly earn you a 5% discount if you qualify.
  • Senior Citizens - If you qualify as a senior citizen, you may be able to get reduced rates.
  • Multiple Vehicles - Insuring multiple vehicles on one policy qualifies for this discount.
  • No Charge for an Accident - A few companies will allow you to have one accident before your rates go up if you are claim-free for a certain period of time.
  • Discount for Good Grades - Performing well in school can save 20 to 25%. This discount can apply well after school through age 25.
  • Low Mileage - Fewer annual miles can earn better rates on cars that stay parked.
  • Student Driver Training - Make teen driver coverage more affordable by requiring them to take driver's ed class if it's offered in school.
  • Save with a New Car - Adding a new car to your policy is cheaper compared to insuring an older model.

Consumers should know that most discount credits are not given the the whole policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. Even though it may seem like you could get a free auto insurance policy, companies don't profit that way.

Lamar auto insurance quote

Auto insurance ads bend the truth

Consumers in Indiana get pounded daily by advertisements that promise big savings by companies like Allstate and Progressive. All the ads make the same claim that you'll save big after switching to them.

How do they all claim to save you money? This is how they do it.

Different companies are able to cherry pick for the type of driver that earns them a profit. For example, a preferred risk might be over the age of 40, has no tickets, and drives less than 10,000 miles a year. A customer getting a price quote who matches those parameters will get very good rates and most likely will cut their rates substantially.

Potential insureds who fall outside the "perfect" profile will be charged more money which leads to the customer not buying. The ads say "drivers who switch" not "people who quote" save money. That's the way companies can advertise the way they do. That is why you should get as many comparisons as possible. It's impossible to know which auto insurance company will provide you with the cheapest rates.

More detailed Indiana auto insurance information can be found at the Indiana Department of Insurance website. Visitors are able to read consumer alerts, discover disciplinary actions, read enforcement actions against agents and companies, and find out which companies have the most complaints.

auto insurance in Lamar

A tidy conclusion

As you go through the steps to switch your coverage, never buy lower coverage limits just to save a few bucks. Too many times, an insured dropped physical damage coverage only to regret at claim time that the savings was not a smart move. The aim is to find the BEST coverage for the lowest price, not the least amount of coverage.

Discount auto insurance can be bought both online and with local Lamar insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some auto insurance companies do not offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

We covered some good ideas how to reduce auto insurance prices online. The most important thing to understand is the more quotes you get, the better your chances of lowering your rates. You may even find the lowest premiums are with a smaller regional carrier. Regional companies may often insure only within specific states and give getter rates than their larger competitors like .