Free Guide to Spending Less for Monon Auto Insurance Online

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me, there are many people just like you.

Since consumers have many companies and agents to choose from, it can be impossible to find the lowest price insurer.

Learn How to Buy Auto Insurance Cheaper

Consumers need to have an understanding of some of the elements that play a part in calculating auto insurance rates. When you know what positively or negatively impacts premium levels helps enable you to make changes that will entitle you to better auto insurance rates.

Your car's features help determine rates - Choosing a vehicle with an alarm system can help lower your rates. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
Safer cars are cheaper to insure - Safer cars are cheaper to insure. The safest vehicles have better occupant injury protection and better occupant protection means lower claim amounts passed on to you as lower rates.
Policy add-ons can waste money - There are quite a few extra coverages that can waste your money if you aren't careful. Things like personal injury protection, accident forgiveness and membership fees are examples of these. These may sound like a good investment when you first buy your policy, but your needs may have changed so remove them from your policy.
Multi-policy discounts can save money - Some companies provide better rates to people who buy several policies from them, otherwise known as a multi-policy discount. Even if you're getting this discount you still need to comparison shop to confirm you are receiving the best rates possible. Drivers may still find a better deal by insuring with multiple companies.
Your stress level may be raising your rates - Careers like lawyers, architects and stock brokers are shown to have the highest rates because of high stress levels and long work hours. On the other hand, jobs such as actors, students and retirees pay the least.
Liability coverage is cheap - Your policy's liability coverage provides coverage when a jury decides you are liable for damages caused by your negligence. Liability insurance provides for a legal defense up to the limits shown on your policy. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.
With age comes lower rates - Teenage drivers in Indiana have a tendency to be careless and easily distracted when behind the wheel so auto insurance rates are higher. Older insureds are more cautious drivers, tend to cause fewer accidents and tend to be better behind the wheel.

More discounts equal less premium

Insuring your fleet can be pricey, buy you may qualify for discounts to help bring down the price. Certain discounts will be triggered automatically at the time of purchase, but lesser-known reductions have to be specially asked for prior to receiving the credit.

Driver's Ed - Cut your cost by having your teen driver successfully complete driver's ed class if offered at their school.
Low Mileage Discounts - Low mileage vehicles can earn lower rates on the low mileage vehicles.
Safety Course Discount - Taking a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
Multiple Policy Discount - If you insure your home and vehicles with the same insurance company you may save 10% to 20% off each policy.
No Claims - Drivers with accident-free driving histories can save substantially when compared to accident-prone drivers.
Pay Now and Pay Less - If you pay your bill all at once instead of making monthly payments you could save 5% or more.

A little note about advertised discounts, most of the big mark downs will not be given the the whole policy. Some only reduce individual premiums such as liability and collision coverage. So when it seems like you could get a free auto insurance policy, you won't be that lucky. Any amount of discount will help reduce your premiums.

To choose insurance companies with discount auto insurance rates in Indiana, follow this link.

Switch companies and save? Really?

Auto insurance providers like State Farm, Allstate and GEICO consistently run ads in print and on television. They all say the same thing about savings if you change your policy. But how can every company say the same thing?

Different companies are able to cherry pick for the right customer that makes them money. For example, a driver they prefer might be profiled as between the ages of 40 and 55, has no tickets, and chooses high deductibles. A propective insured who fits that profile will get very good rates and therefore will save a lot of money.

Potential customers who do not match this ideal profile will be quoted higher prices which usually ends up with business not being written. The ads say "customers that switch" not "everyone that quotes" save that kind of money. That's the way companies can truthfully state the savings.

This emphasizes why you should get quotes from several different companies. It's not possible to predict which auto insurance company will give you the biggest savings.

Additional information can be found on the website for the Indiana Department of Insurance located here. Indiana drivers can view a list of available companies, find disaster information, discover disciplinary actions, and read consumer alerts.

Other informative sites include this site for auto insurance rates in Indiana and this list of insurance agents in Monon, IN.

The best insurance company isn't always the cheapest

Cheaper auto insurance is attainable on the web in addition to many Monon insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies do not provide online price quotes and these regional insurance providers work with independent agents.

When buying insurance coverage, do not buy poor coverage just to save money. There have been many situations where an insured dropped uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The proper strategy is to find the BEST coverage at a price you can afford while still protecting your assets.