Lower Online Mooresville Auto Insurance Prices With These Methods

If shopping for auto insurance online is new to you, you may be confused by the hoards of auto insurance companies all offering big savings in Mooresville.

It's important to compare prices periodically because insurance rates are constantly changing. Even if you think you had the best price two years ago a different company probably has better rates today. Ignore everything you know about auto insurance because I'm going to let you in on the secrets to how to quote online to lower your rates without sacrificing coverage.

Take advantage of discounts

Car insurance can cost a lot, but discounts can save money and there are some available to help bring down the price. A few discounts will automatically apply at the time you complete a quote, but a few need to be specially asked for prior to getting the savings. If they aren't giving you every credit you qualify for, you are throwing money away.

Discount for Swiching Early - Some insurance companies reward drivers for switching policies prior to your current policy expiring. The savings is around 10%.
Passive Restraint Discount - Vehicles with factory air bags or motorized seat belts can get savings up to 30%.
Low Mileage - Low mileage vehicles can earn lower rates on the low mileage vehicles.
Multiple Cars - Insuring all your vehicles on one policy may reduce the rate for each vehicle.
Save over 55 - If you qualify as a senior citizen, you may receive a small decrease in premiums.

It's important to note that most of the big mark downs will not be given to the entire policy premium. Most only cut individual premiums such as medical payments or collision. Even though it may seem like you can get free auto insurance, you're out of luck. But any discount will cut your overall premium however.

How to Lower your Auto Insurance Rates

Smart consumers have a good feel for some of the elements that play a part in calculating the price you pay for auto insurance. Understanding what influences your rates empowers consumers to make smart changes that can help you get lower auto insurance prices.

Type of vehicle determines base rates - The type of car you drive makes a substantial difference in the rate you pay. Lower performance four cylinder passenger cars usually have the lowest rates, but other factors influence the final cost greatly.
Traffic violations increase rates - Even a single moving violation can bump up the cost by as much as thirty percent. Drivers who don't get tickets have lower premiums than their less careful counterparts. Drivers who get dangerous violations like DUI or reckless driving may be required to file a SR-22 with their state DMV in order to prevent a license revocation.
Safe vehicles cost less to insure - Cars with high safety ratings are cheaper to insure. Safer cars protect occupants better and lower injury rates means less money paid by your insurance company and lower rates for you.
What are your deductibles? - Physical damage insurance, also known as collision and other-than-collision, protects your car from damage. A few examples of covered claims could be a windshield shattered by a rock, damage caused by hail, and windstorm damage. Your deductibles are the amount of money you are willing to pay out-of-pocket before a claim is paid by your company. The higher the amount you have to pay, the lower your rates will be.

How to know if you need help

When it comes to buying the right insurance coverage for your vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight whether your personal situation might need professional guidance.

Does my car insurance cover rental cars?
Can I rate high risk drivers on liability-only vehicles?
Is my dog or cat covered if injured in an accident?
Is my nanny covered when driving my vehicle?
Why does it cost so much to insure a teen driver in Mooresville?
Should I put collision coverage on all my vehicles?

If you don't know the answers to these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form. It's fast, doesn't cost anything and can help protect your family.

Are auto insurance companies telling the truth?

Indiana consumers get pounded daily by advertisements for cheaper car insurance from the likes of State Farm and Allstate. All the ads say the same thing that you can save if you change your coverage to them.

How do they all make almost identical claims?

All companies have a certain "appetite" for the type of customer that earns them a profit. For example, a preferred risk could possibly be between 30 and 50, a clean driving record, and chooses high deductibles. A driver who fits that profile will qualify for the lowest rates and most likely will cut their rates substantially.

Potential customers who don't qualify for the "perfect" profile will be charged a more expensive rate which usually ends up with the driver buying from a lower-cost company. The ad wording is "customers that switch" not "people who quote" save that much money. That is how insurance companies can state the savings.

That is why drivers should get quotes from several different companies. It is impossible to predict which company will give you the biggest savings.

More information can be found on the Indiana Department of Insurance website located here. Indiana consumers can learn about specific coverages, file complaints about a company, and find disaster information.

A tidy conclusion

In this article, we presented many ways to reduce auto insurance prices online. It's most important to understand that the more you quote, the better your chances of lowering your rates. Consumers could even find that the best prices are with the least-expected company.

Lower-priced auto insurance is attainable online as well as from independent agents in Mooresville, so compare prices from both to have the best rate selection. Some insurance companies don't offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

When buying insurance coverage, you should never skimp on coverage in order to save money. There have been many cases where someone dropped physical damage coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.