Free Guide to Spending Less for Monroe Auto Insurance Online

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Believe me when I say there are many Monroe consumers feeling the pinch from expensive auto insurance.

Since consumers have many companies and agents to choose from, it is hard for the average consumer to choose the lowest price provider.

Compare Quotes for Monroe Auto Insurance

Most major insurance companies provide insurance quotes on their websites. Getting online rates doesn't take much effort as you just enter the coverages you want into the quote form. Behind the scenes, the company's rating system will obtain information on your driving record and credit history and gives you a price quote determined by many factors. This makes it a lot easier to compare rates but the process of having to visit many different websites and fill out multiple forms can be a bit tiresome and repetitive. Unfortunately, it is important to do this if you want to find a lower rate.

Quote rates the easy way

A less time-consuming method to lower your rates uses one simple form that gets prices from a bunch of companies at once. It's a real time-saver, requires much less work on your part, and makes comparison shopping much easier to do. After your information is entered, it gets priced with multiple companies and you can pick any or none of the returned quotes.

If the quotes result in lower rates, you can click and sign and buy the new coverage. The whole process can be completed in a matter of minutes and you will find out if you're overpaying now.

To save time and find out how much you're overpaying now, click here and enter your information. If you have your current policy handy, we recommend you type in the coverages as close as possible to your current policy. This way, you are getting rate quotes based on similar coverages.

Understand what determines the rate you pay

It's important that you understand the factors that play a part in calculating the price you pay for auto insurance. When you know what positively or negatively impacts premium levels helps enable you to make changes that could result in much lower annual insurance costs.

Drive a safer car and pay less - Vehicles with high crash test scores get lower rates. Safe vehicles have better occupant injury protection and lower injury rates means lower claim amounts passed on to you as lower rates.
Liability coverage is cheap - Your policy's liability coverage provides coverage if a court rules you are at fault for damages caused by your negligence. Liability insurance provides you with a defense in court which can be incredibly expensive. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not skimp.
Do you need those extra coverages? - There are quite a few extra coverages that you can get tricked into buying on your auto insurance policy. Things like personal injury protection, accidental death and membership fees are some examples. These may sound like a good investment at first, but your needs may have changed so remove them from your policy.
Traffic violations increase rates - Whether or not you get tickets has a big impact on rates. Only having one ticket may increase your cost twenty percent or more. Drivers with clean records receive lower rates than their less careful counterparts. Drivers with dangerous tickets such as hit and run, DWI or reckless driving convictions are required to file a proof of financial responsibility form (SR-22) with their state DMV in order to prevent a license revocation.
Your stress level may be raising your rates - Occupations such as real estate brokers, social workers and stock brokers are shown to have the highest rates attributed to high stress levels and long work days. On the other hand, jobs such as actors, students and retirees pay the least.
Claim-free discounts can add up - Auto insurance companies in Indiana generally give discounts to insureds who do not rely on their insurance for small claims. If you frequently file small claims, you can definitely plan on either policy cancellation or increased premiums. Your insurance policy is designed for the large, substantial claims.

More discounts equal less premium

Insurance can be prohibitively expensive, but companies offer discounts to help bring down the price. Some discounts apply automatically at the time of quoting, but some may not be applied and must be specifically requested before you will receive the discount.

Fewer Miles Equal More Savings - Low mileage vehicles could qualify for a substantially lower rate.
Club Memberships - Participating in a professional or civic organization may earn a discount when buying auto insurance.
Safety Course Discount - Successfully completing a course in driver safety could possibly earn you a 5% discount depending on where you live.
Air Bag Discount - Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of 20% or more.
Military Discounts - Being deployed with a military unit could be rewarded with lower premiums.
No Claims - Drivers with accident-free driving histories pay less when compared with frequent claim filers.

A little note about advertised discounts, some credits don't apply to all coverage premiums. Most only reduce the cost of specific coverages such as liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, you won't be that lucky. Any amount of discount will help reduce your premiums.

For a list of insurers with discount auto insurance rates in Indiana, click here.

Additional information can be read on the website for the Indiana Department of Insurance through this link. Indiana consumers can find disaster information, find out which companies have the most complaints, discover disciplinary actions, and file complaints about a company.

Other useful links include this resource for Indiana auto insurance prices and this page of Monroe insurance agents.

Final considerations

Cheaper auto insurance is attainable online in addition to many Monroe insurance agents, and you should be comparing both to have the best chance of lowering rates. Some companies do not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

In this article, we presented a lot of ways to lower your auto insurance rates. It's most important to understand that the more companies you get rates for, the better your comparison will be. Consumers could even find that the biggest savings come from an unexpected company. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as .