10 Discounts Ligonier Consumers Forget when Comparing Car Insurance

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me when I say many Ligonier consumers feel financially strained by their car insurance policy.

Because you have many online and local companies to choose from, it can be diffult for consumers to locate the lowest price provider.

Don't pay full price with these ten discounts

Companies offering auto insurance don't always list all available discounts very well, so we took the time to find both the well known and the harder-to-find discounts you could be receiving.

Clubs and Organizations - Being a member of a professional or civic organization may earn a discount when buying car insurance.
Lower Rates for Military - Being deployed with a military unit can result in better rates.
Life Insurance Discount - Companies who offer life insurance give a break if you buy life insurance.
Fewer Miles Equal More Savings - Keeping the miles down can earn a substantially lower rate.
Claim Free - Drivers with accident-free driving histories can save substantially when compared with drivers who are more careless.
Pay Upfront and Save - By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
Save with a New Car - Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
Discount for Good Grades - Performing well in school can earn a discount of 20% or more. This discount can apply up to age 25.
More Vehicles More Savings - Having multiple cars or trucks on one policy qualifies for this discount.
Senior Citizens - If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums.

A little note about advertised discounts, some credits don't apply to all coverage premiums. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates all the discounts add up to a free policy, you won't be that lucky.

The car insurance bait and switch

Allstate, GEICO and Progressive regularly use ads in print and on television. All the companies have a common claim about savings if you move your coverage to them. But how can every company claim to save you money? This is how they do it.

Insurance companies are able to cherry pick for the type of customer that earns them a profit. For example, a profitable customer might be between the ages of 30 and 50, has no driving citations, and has excellent credit. Any new insured that hits that "sweet spot" will get the preferred rates and therefore will save a lot of money.

Potential insureds who don't measure up to this ideal profile must pay more money and this can result in the customer not buying. The ads state "drivers who switch" not "everyone that quotes" save that much money. That's the way companies can truthfully make those claims. This illustrates why you should get a wide range of price quotes. It's just too difficult to predict which car insurance company will have the lowest rates.

Learn more about Indiana car insurance

Even more information can be found at the Indiana Department of Insurance website. Visitors are able to find out which companies have the most complaints, view a list of available companies, file complaints about an insurance agent or broker, and find disaster information.

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

Do the work, save more money

Cheaper car insurance is possible both online as well as from independent agents in Ligonier, and you should compare price quotes from both in order to have the best chance of saving money. Some companies don't offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

While you're price shopping online, do not buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed physical damage coverage only to regret at claim time they didn't purchase enough coverage. Your focus should be to get the best coverage possible for the lowest price while not skimping on critical coverages.