How to Know You're Wasting Money for Auto Insurance in Lowell

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Believe me when I say many consumers are feeling buyer's remorse and feel like there's no way out.

Numerous battle for your hard-earned dollar, so it can be very hard to choose a and uncover the absolute lowest price

If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these methods. Buying car insurance in Lowell is easy if you know what you're doing. But Indiana drivers do need to know the way companies sell insurance online and apply this information to your search.

auto insurance in Lowell

Take advantage of discounts

Insurance can be prohibitively expensive, but you can get discounts that you may not even be aware of. Certain discounts will be applied at the time you complete a quote, but a few need to be manually applied prior to getting the savings.

  • Fewer Miles Equal More Savings - Driving fewer miles can earn discounted rates on garaged vehicles.
  • Homeowners Discount - Owning a home in Lowell can help you save on auto insurance because owning a home is proof that your finances are in order.
  • Discount for Good Grades - Getting good grades can earn a discount of 20% or more. This discount can apply until age 25.
  • Club Memberships - Participating in certain professional organizations is a good way to get lower rates when buying auto insurance.
  • Defensive Driver - Successfully completing a course in driver safety could possibly earn you a 5% discount depending on where you live.
  • Save over 55 - Older drivers may qualify for better auto insurance rates.
  • No Accidents - Drivers with accident-free driving histories can save substantially when compared with frequent claim filers.
  • Service Members Pay Less - Being on active duty in the military could mean lower rates.
  • Theft Prevention Discount - Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.

Consumers should know that most discount credits are not given to all coverage premiums. Most only reduce the cost of specific coverages such as liability and collision coverage. Just because it seems like adding up those discounts means a free policy, companies don't profit that way. But all discounts will cut your overall premium however.

For a list of insurers offering auto insurance discounts in Lowell, click here to view.

How to Compare Auto Insurance in Lowell, Indiana

There are several ways of comparing rate quotes from auto insurance companies in your area. The recommended way to find the lowest rates is to use the internet to compare rates. This can be accomplished in a couple of different ways.

One of the best ways to get quotes for comparison is to use a rate comparison form click here to open form in new window. This easy form eliminates the need for separate quotes for each company you want a rate for. Filling out one form will return quotes instantly.

A less efficient way to compare rate quotes is to take the time to go to the website for every company you want to comare and request a quote. For examples sake, we'll assume you want to compare rates from , and . To get each rate you have to take the time to go to each site and enter your information, which is why most consumers use the first method. To view a list of companies in Lowell, click here.

The least recommended method to compare rates is to waste gas driving to local insurance agencies. Buying insurance online makes this process obsolete unless you prefer the personal advice that only a license agent can provide. However, consumers can compare online quotes and still use a local agent.

It's up to you which method you use, but ensure you are comparing the exact same coverages and limits with every price quote. If the quotes have different deductibles it will be next to impossible to find the best deal in Lowell. Quoting even small variations in insurance coverages may cause a big price difference. Just remember that obtaining a wide range of quotes will enable you to find a lower rate.

Shop smart and save

Discount auto insurance is available online and also from your neighborhood Lowell agents, and you should compare price quotes from both to have the best rate selection. Some auto insurance companies may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

In this article, we presented some good ideas how you can get a better price on auto insurance. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers may even find the lowest rates come from a company that doesn't do a lot of advertising. These companies may often insure only within specific states and give getter rates than their larger competitors like .

When shopping online for auto insurance, never sacrifice coverage to reduce premiums. There are a lot of situations where someone sacrificed physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible at an affordable rate while not skimping on critical coverages.