7 Guaranteed Methods to Lower Car Insurance Costs in Leesburg

I can't think of anyone who likes paying for car insurance, especially when the cost is way too high. Multiple compete for your insurance dollar, and it can be difficult to compare rates and uncover the absolute lowest rate

It's important to take a look at other company's rates periodically since rates are constantly changing. Just because you found the best price six months ago you may be paying too much now. Forget anything you know (or think you know) about car insurance because I'm going to let you in on the secrets to the quickest way to find the best coverage while lowering your premiums.

Leesburg Car Insurance Comparisons

Most major insurance companies such as State Farm, GEICO and Progressive provide coverage prices directly from their websites. Getting quotes is pretty painless as you just type in your personal and coverage information as detailed in the form. Behind the scenes, their rating system will obtain reports for credit and driving violations and quotes a price. Online price quotes helps simplify price comparisons, but having to visit several different sites and fill out multiple forms is monotonous and tiresome. But it's very important to perform this step if you want to find the best price on car insurance.

A less time-consuming method to compare rates is to use a quote form that gets price quotes from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes rate comparisons a lot less work. Once the form is submitted, it gets priced with multiple companies and you can pick any of the returned quotes. If one or more price quotes are lower than your current rates, it's easy to complete the application and purchase coverage. The whole process takes 15 minutes at the most and you will find out if you're overpaying now.

To find out if lower rates are available, click here to open in new window and fill out the form. If you currently have coverage, we recommend that you enter the insurance coverages as close as possible to your current policy. This way, you will have comparison quotes based on similar coverages.

Are you getting all your discounts?

Companies offering auto insurance don't list all their discounts in an easy-to-find place, so we took the time to find some of the more common and the harder-to-find savings tricks you should be using. If they aren't giving you every credit you qualify for, you're just leaving money on the table.

  • Accident Forgiveness - A few companies will allow you to have one accident without raising rates as long as you don't have any claims for a certain period of time.
  • Good Student - Getting good grades can save 20 to 25%. This discount can apply up until you turn 25.
  • Club Memberships - Belonging to certain professional organizations is a good way to get lower rates on car insurance.
  • Safety Course Discount - Taking a driver safety course can save you 5% or more depending on where you live.
  • Anti-lock Brake System - Vehicles with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
  • College Student - Kids in college who attend school more than 100 miles from home and don't have a car can be insured at a reduced rate.
  • Anti-theft System - Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Most cut the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears you could get a free car insurance policy, you won't be that lucky.

For a list of companies with discount car insurance rates in Leesburg, click here to view.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there is no "perfect" insurance plan. Everyone's situation is unique so your insurance should reflect that For instance, these questions may help highlight whether you could use an agent's help.

  • Does my policy cover me when driving someone else's vehicle?
  • Why am I required to buy high-risk coverage?
  • Are rental cars covered under my policy?
  • Do I really need UM/UIM coverage?
  • Do I need PIP (personal injury protection) coverage in Indiana?
  • What are Indiana no-fault laws?

If you're not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don't have a local agent, fill out this quick form or you can go here for a list of companies in your area. It's fast, free and may give you better protection.

Even more information can be found at the Indiana Department of Insurance website. Consumers can learn about insurance regulations, file complaints about a company, find out which companies have the most complaints, and discover disciplinary actions.

Indiana car insurance

Best coverage at the best price

Cheaper car insurance can be sourced from both online companies and also from your neighborhood Leesburg agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies may not provide online quoting and most of the time these regional insurance providers sell through independent agents.

You just learned some good ideas how you can lower your car insurance rates. It's most important to understand that the more rate comparisons you have, the better likelihood of reducing your rate. You may be surprised to find that the lowest premiums are with a smaller regional carrier. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as .

As you restructure your insurance plan, you should never reduce needed coverages to save money. In many cases, someone dropped physical damage coverage only to discover later that they should have had better coverage. Your aim should be to purchase plenty of coverage for the lowest price.