Buy Low-Cost Mentone Auto Insurance

Expensive auto insurance can dwindle your bank account and force you to make sacrifices. Shopping your coverage around is a smart way to lower your monthly bill.

Because you have many choices of insurance companies, it is hard for the average consumer to pick the lowest price provider.

It's important to do rate comparisons on a regular basis because prices are constantly changing. Even if you think you had the best deal a year ago the chances are good that you can find a lower rate today. So just ignore everything you know about auto insurance because you're going to get a crash course in the proper way to remove unneeded coverages and save money.

These discounts can lower your rates

Car insurance companies don't always list every available discount very well, so here is a list both well-publicized and also the lesser-known auto insurance savings.

Good Student Discount - A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
E-sign - A handful of insurance companies will discount your bill up to fifty bucks just for signing your application online.
Safety Course Discount - Taking part in a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.
Multiple Cars - Buying coverage for all your vehicles on the same auto insurance policy can get a discount on all vehicles.
Memberships - Participating in a professional or civic organization could qualify you for a break on your policy.

It's important to note that most of the big mark downs will not be given to all coverage premiums. Most cut specific coverage prices like medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, you're out of luck.

To see a list of providers with discount auto insurance rates in Indiana, follow this link.

How to Lower Your Auto Insurance Cost in Mentone, Indiana

Most companies allow you to get pricing on the web. This process is pretty easy as you simply enter the coverages you want as detailed in the form. Once you submit the form, the company's rating system will obtain information on your driving record and credit history and quotes a price based on many factors. This makes comparing rates easy, but having to visit multiple sites and fill out multiple forms gets old quite quickly. But it's very important to compare as many rates as possible in order to find better auto insurance pricing.

There is a better way!

The preferred way to find lower prices uses one form that analyzes rates from a bunch of companies at once. The form is fast, requires much less work on your part, and makes online price comparison a lot less work. After your information is entered, it is rated with multiple companies and you can pick any or none of the price quotes you receive. If you find a better price it's easy to complete the application and buy the policy. The entire process only takes a few minutes and could lower your rates considerably.

To find out what other companies charge, click here to open in new window and enter your information. If you have a policy now, it's recommended you copy coverages and limits exactly as shown on your declarations page. This makes sure you're receiving a rate comparison based on the exact same insurance coverage.

Why some people pay less for insurance in Mentone

An important part of buying insurance is that you know some of the elements that play a part in calculating the price you pay for auto insurance. When you know what positively or negatively influences your rates allows you to make educated decisions that can help you get big savings.

Careful drivers pay lower rates - Even a single speeding ticket can increase rates by as much as thirty percent. Good drivers get better rates than their less careful counterparts. Drivers who get dangerous violations such as DWI, reckless driving or hit and run convictions may be required to submit a SR-22 form with their state DMV in order to prevent a license revocation.
Marriage pays dividends - Being married helps lower the price when buying auto insurance. Marriage is viewed as being more mature and statistics show married drivers get in fewer accidents.
Do you need the policy add-ons? - There are quite a few add-on coverages you can purchase on your auto insurance policy. Things like rental car reimbursement, better glass coverage and motor club memberships are examples of these. These coverages may sound good initially, but if you don't need them remove them from your policy.
High deductibles save money - Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of covered claims could be collision with another vehicle, vandalism, and rolling your vehicle. Your deductibles are the amount of money you are willing to pay out-of-pocket in the event of a claim. The more money you're willing to pay, the bigger discount you will receive.
Liability insurance protects assets - Your policy's liability coverage is the protection in the event that a court rules you are at fault for damages from an accident. Liability provides legal defense coverage which can cost thousands of dollars. Liability is cheap as compared to coverage for physical damage, so buy as much as you can afford.
Men are more aggressive - Statistics have proven women tend to be less risk to insure than men. Now that doesn't mean women are better drivers. They both are in accidents at about the same rate, but men tend to have more serious accidents. Men also get cited for more serious violations such as DWI and reckless driving.

Are you falling for claims of savings?

Companies like State Farm and Allstate consistently run ads on television and other media. All the ads say the same thing that you can save if you change to them. But how can every company make almost identical claims? It's all in the numbers.

All the different companies have a preferred profile for the type of driver that is profitable for them. An example of a preferred risk could possibly be between 30 and 50, insures multiple vehicles, and has excellent credit. A customer getting a price quote who fits that profile gets the lowest rates and as a result will probably save a lot of money.

Potential insureds who are not a match for this ideal profile will be charged more money which usually ends up with the driver buying from a lower-cost company. The ads say "customers who switch" not "everybody who quotes" save money. This is how insurance companies can make those claims. That is why drivers must compare as many rates as you can. It's impossible to know which insurance companies will have the lowest rates.

The best insurance company isn't always the cheapest

You just read many ways to compare auto insurance prices online. It's most important to understand that the more you quote, the better likelihood of reducing your rate. Drivers may discover the best prices are with some of the smallest insurance companies. These smaller insurers often have lower prices on specific markets than the large multi-state companies such as .

Lower-priced auto insurance is attainable online and with local Mentone insurance agents, so compare prices from both to have the best chance of lowering rates. Some companies do not offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

While you're price shopping online, don't be tempted to reduce coverage to reduce premium. There have been many cases where drivers have reduced liability limits or collision coverage only to find out they didn't purchase enough coverage. Your goal should be to purchase plenty of coverage at the best price, not the least amount of coverage.

For more Indiana auto insurance information

Additional detailed information is available at the Indiana Department of Insurance website. Indiana consumers can file complaints about a company, get help finding coverage, discover disciplinary actions, and report car insurance fraud.

Additional helpful sites include NAIC.org's Understanding your Policy and this directory of insurance agents in Mentone Indiana.