Find Cheap Medora Auto Insurance

Are you intimidated by the dozens of auto insurance companies in Medora? Lot's of other consumers are too. You have so many choices that it can turn into more work than you anticipated to find the lowest price.

Don't pay full price with these discounts

Properly insuring your vehicles can get expensive, buy you may qualify for discounts that you may not know about. Certain discounts will be applied when you quote, but a few must be asked for prior to getting the savings.

  • No Claims - Drivers with accident-free driving histories pay much less when compared to drivers who are more careless.
  • Multiple Vehicles - Having multiple vehicles on one policy may reduce the rate for each vehicle.
  • Paperwork-free - Certain companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Clubs and Organizations - Participating in a qualifying organization could trigger savings when shopping for auto insurance.
  • Military Discounts - Having a family member in the military may qualify for rate reductions.
  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.

As a disclaimer on discounts, many deductions do not apply to all coverage premiums. Most only cut individual premiums such as comp or med pay. Just because you may think all the discounts add up to a free policy, auto insurance companies aren't that generous. Any amount of discount will bring down your premiums.

The auto insurance bait and switch

Auto insurance providers like Progressive, Allstate and GEICO continually stream ads in print and on television. They all make the same claim about savings after switching your policy. How does each company make almost identical claims?

All companies are able to cherry pick for the right customer that earns them a profit. For instance, a driver they prefer could possibly be between the ages of 30 and 50, has no driving citations, and has great credit. A customer getting a price quote who matches those parameters will qualify for the lowest rates and therefore will save when switching.

Potential customers who don't measure up to these standards will be quoted a higher premium which leads to the driver buying from a lower-cost company. The ad wording is "customers that switch" not "everyone that quotes" save that kind of money. That's the way companies can truthfully advertise the savings.

This emphasizes why you should get quotes from several different companies. It's impossible to know which auto insurance company will give you the biggest savings.

Learn more about Indiana auto insurance

Additional information is located on the Indiana Department of Insurance website located here. Indiana consumers can read industry bulletins, find out which companies have the most complaints, and get help finding coverage.

Affordable insurance is out there

Insureds change insurance companies for a number of reasons such as high rates after DUI convictions, lack of trust in their agent, an unsatisfactory settlement offer and even questionable increases in premium. Regardless of your reason, choosing a new insurance company is less work than it seems.

Cheap auto insurance can be sourced online in addition to many Medora insurance agents, and you should compare price quotes from both to have the best rate selection. There are still a few companies who do not provide you the ability to get quotes online and these small, regional companies work with independent agents.

As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed collision coverage and learned later that the small savings ended up costing them much more. Your strategy should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.