How to Know You're Spending Too Much for Auto Insurance in Lawrence

Scraping up a payment for overpriced auto insurance can dwindle your savings account and make it impossible to make ends meet. Doing a price comparison is free and is an excellent way to reduce premiums and put more money in your pocket. Companies like GEICO and Progressive promote their brand names with catchy ads and it is difficult to sift through the bull and take the time to shop coverage around.

If you have a current auto insurance policy or need new coverage, you can follow these tips to shop for the lowest rates and possibly find even better coverage. Choosing the best insurance company for you in Lawrence is easy if you know what you're doing. Indiana vehicle owners just need to know how to shop their coverage around over the internet.

How to Buy Lawrence Auto Insurance Online

Most companies give coverage price quotes on the web. Getting online rates doesn't take a lot of time as you simply type in your coverage information into the quote form. When the form is submitted, the company's rating system will obtain information on your driving record and credit history and gives you a price quote based on many factors. Online quotes makes it a lot easier to compare rates but the process of having to visit each company's website and repetitively type in the same information is monotonous and tiresome. Unfortunately, it is important to get many rate quotes in order to get a lower rate.

A quicker way to locate the lowest prices uses one simple form to obtain quotes from a bunch of companies at once. It's a real time-saver, requires much less work on your part, and makes rate comparisons much easier to do. As soon as you send your information, your coverage is rated and you can select your choice of the quotes returned. If the quotes result in lower rates, you can click and sign and buy the policy. This process can be completed in a matter of minutes and you will know how your current rates stack up.

To save time and find out how much you're overpaying now, click here and submit the form. If you have your current policy handy, we recommend you complete the form with the coverage information just like they are on your policy. This ensures you will have comparison quotes for similar insurance coverage.

More discounts equal less premium

Auto insurance companies don't always publicize every discount in a way that's easy to find, so the following is a list of both well-publicized and the more hidden ways to save on auto insurance. If you aren't receiving every discount you deserve, you're paying more than you need to.

Government Employees - Being employed by or retired from a federal job may qualify you for a discount with a few auto insurance companies.
Distant Student - Any of your kids living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
Discount for New Cars - Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
No Claims - Drivers who don't have accidents pay less when compared to bad drivers.
Low Mileage Discounts - Fewer annual miles could qualify for better rates on cars that stay parked.
Military Discounts - Having a family member in the military may qualify for rate reductions.
Air Bag Discount - Cars that have air bags or automatic seat belts can qualify for discounts of more than 20%.
Payment Method - If paying your policy premium upfront instead of paying each month you could save 5% or more.
Auto/Life Discount - Select insurance companies reward you with better rates if you take out auto and life insurance together.
Drivers Ed for Students - Have your child successfully complete driver's ed class if it's offered in school.

Drivers should understand that most discount credits are not given to the overall cost of the policy. Most only reduce the cost of specific coverages such as comp or med pay. Just because you may think all those discounts means the company will pay you, companies wouldn't make money that way.

To see a list of insurance companies who offer auto insurance discounts in Lawrence, click this link.

It's not one size fits all

When choosing coverage for your personal vehicles, there really is not a one size fits all plan. Each situation is unique so this has to be addressed. Here are some questions about coverages that may help you determine if you could use an agent's help.

Why am I required to get a high-risk car insurance policy?
Do I pay less if my vehicle is kept in my garage?
Can I still get insurance after a DUI?
Are there companies who specialize in insuring high-risk drivers?
Is my dog or cat covered if injured in an accident?
Do I have coverage when using my vehicle for my home business?
Should I drop comprehensive coverage on older vehicles?
Are my tools covered if they get stolen from my vehicle?

If it's difficult to answer those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

More sites with auto insurance information

More detailed Indiana auto insurance information can be read at the Indiana Department of Insurance website. Indiana consumers can read industry bulletins, read enforcement actions against agents and companies, file complaints about an insurance agent or broker, and find disaster information.