9 Best Tricks to Reduce Car Insurance Costs in Marion

Scraping up a payment for overpriced car insurance can drain your savings account and put the squeeze on your family's finances. Doing a price comparison is a smart way to help make ends meet.

Big-name insurance companies like State Farm, Allstate, GEICO and Progressive continually hit you with ad campaigns and it is difficult to sift through the bull and effectively compare rates to find the best deal.

If you have car insurance now, you stand a good chance to be able to save some money using these techniques. Choosing the best insurance company for you in Marion is easy if you know what you're doing. But Indiana consumers do need to know how the larger insurance companies sell online and take advantage of how the system works.

Don't pay full price with these nine discounts

Companies that sell car insurance don't list all available discounts in a way that's easy to find, so here is a list both the well known as well as the least known car insurance savings.

Safety Course Discount - Completing a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
Discount for Life Insurance - Select insurance companies reward you with better rates if you take out a life insurance policy as well.
Memberships - Being a member of a civic or occupational organization could qualify you for a break when buying car insurance.
Pay Now and Pay Less - If you pay your bill all at once instead of paying each month you could save up to 5%.
Fewer Miles Equal More Savings - Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
Paperless Signup - Certain companies may give you up to $50 for buying a policy and signing up digitally online.
Senior Citizens - Mature drivers may receive a small decrease in premiums.
Accident Waiver - A handful of insurance companies will forgive one accident before raising your premiums so long as you haven't had any claims prior to the accident.
Multiple Cars - Having all your vehicles on the same car insurance policy may reduce the rate for each vehicle.

Consumers should know that most credits do not apply to your bottom line cost. Most only apply to individual premiums such as liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, companies don't profit that way.

To see a list of insurers with discount car insurance rates in Marion, follow this link.

How to Get Cheap Car Insurance in Marion, IN

Performing a rate comparison can take hours if you aren't aware of the most efficient way to do it. You can waste a lot of time driving to insurance agencies in Marion, or you could save time and use online quotes to get rates in a matter of minutes.

Many insurance companies belong to a marketplace that enables customers to enter their policy data once, and each company provides a quote for coverage. This eliminates the need for repetitive form submissions to each individual car insurance company.

To submit your quote information now, click to open in new window.

The only downside to getting quotes like this is buyers cannot specifically choose which carriers to get pricing from. If you wish to select specific providers to request quotes from, we have a page of car insurance companies in Indiana. Click here to view list.

It doesn't matter which method you choose, just make sure you use exactly the same quote information for every quote you compare. If you use mixed coverages it's not possible to determine the best price in Marion. Just a small difference in insurance coverages can result in a big premium difference. And when comparing car insurance rates, know that comparing a large number of companies will increase your chances of finding a better price.

Your personal situation dictates your coverage

When choosing proper insurance coverage for your personal vehicles, there really is not a "best" method to buy coverage. Coverage needs to be tailored to your specific needs and a cookie cutter policy won't apply. Here are some questions about coverages that can help discover whether or not you will benefit from professional help.

Should I rate my vehicle as pleasure use or commute?
What happens if I owe more than my vehicle is worth?
Am I getting all the discounts available?
Are my tools covered if they get stolen from my vehicle?
Are rental cars covered under my policy?
What can I do if my company won't pay a claim?
Does medical payments coverage apply to all occupants?

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

The car insurance bait and switch

21st Century, Allstate and State Farm consistently run ads in print and on television. All the companies say the same thing that you'll save big if you change your coverage to them. How can each company claim to save you money?

All companies have a preferred profile for the type of customer that is profitable for them. An example of a profitable customer might be between the ages of 40 and 55, has no prior claims, and drives less than 10,000 miles a year. Any new insured who fits that profile is entitled to the best price and therefore will save when they switch companies.

Potential customers who don't measure up to the requirements must pay higher prices which usually ends up with the customer not buying. The ads state "customers that switch" not "everyone that quotes" save that much money. This is how companies can advertise the way they do. This illustrates why drivers must get quotes from several different companies. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

Do the work, save more money

Discount car insurance can be sourced both online as well as from independent agents in Marion, so you should be comparing quotes from both so you have a total pricing picture. Some car insurance companies don't offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, it's not a good idea to reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice liability limits or collision coverage only to find out that the savings was not a smart move. The proper strategy is to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

Learn more about car insurance in Indiana

More detailed Indiana car insurance information is available at the Indiana Department of Insurance website. Visitors are able to discover disciplinary actions, file complaints about an insurance agent or broker, find out which companies have the most complaints, and view a list of available companies.