Tightwads Guide to Saving on Leavenworth Auto Insurance

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us, many consumers are feeling buyer's remorse and feel like there's no way out. With consumers having so many companies and agents to choose from, it can be diffult for consumers to locate the right insurance company.

More discounts equal less premium

Insurance can cost an arm and a leg, but you may find discounts that you may not even be aware of. Most are applied at quote time, but lesser-known reductions have to be asked for in order for you to get them. If you don't get every credit possible, you are throwing money away.

  • Clubs and Organizations - Affiliation with a professional or civic organization is a good way to get lower rates when buying auto insurance.
  • Homeowners Discount - Owning a home in Leavenworth can help you save on auto insurance because owning a home requires personal responsibility.
  • Early Signing - A few companies offer discounts for signing up prior to your current policy expiring. This can save 10% or more.
  • Auto/Home Discount - If you have multiple policies with the same insurance company you may save up to 20% off your total premium.
  • Federal Government Employee - Active or retired federal employment can save as much as 8% depending on your company.
  • Anti-lock Brake System - Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.

As a disclaimer on discounts, most discounts do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, auto insurance companies aren't that generous. Any amount of discount will help reduce your premiums.

Switch companies and save? Really?

Indiana drivers get pounded daily by advertisements that promise big savings by companies like Allstate, GEICO and Progressive. All the companies make an identical promise about savings if you switch to them.

But how can every company say the same thing?

All companies are able to cherry pick for the type of driver that earns them a profit. An example of a profitable customer might be profiled as over the age of 40, has no driving citations, and has great credit. A propective insured who meets those qualifications is entitled to the best price and therefore will save a lot of money.

Potential insureds who do not match this ideal profile must pay more money and ends up with business not being written. Company advertisements say "people who switch" not "everyone that quotes" save money. That's the way companies can truthfully advertise the savings.

This illustrates why you should compare as many rates as you can. It's not possible to predict which auto insurance company will give you the biggest savings.

Learn more about Indiana auto insurance

Additional information is available on the website for the Indiana Department of Insurance through this link. Indiana drivers can find out which companies have the most complaints, report car insurance fraud, file complaints about a company, and read consumer alerts.

Also read more on this link for Indiana auto insurance quotes and this link which helps you find a Leavenworth agent.

A tidy conclusion

Cheap auto insurance is available on the web and with local Leavenworth insurance agents, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who do not offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

Throughout this article, we presented many tips how you can reduce auto insurance prices online. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. Drivers may discover the lowest premiums are with a company that doesn't do a lot of advertising. Regional companies may have significantly lower rates on certain market segments as compared to the big name companies such as .