Comparing Cheap New Palestine Auto Insurance

Are you tired of not being able to afford each month for car insurance? Your situation is no different than many other drivers in Indiana.

You have multiple to buy insurance from, and although it's nice to have a selection, having more makes it harder to compare rates.

Are you getting all your discounts?

Companies offering auto insurance don't always advertise every discount very clearly, so the following is a list of both well-publicized and the harder-to-find savings tricks you should be using.

  • Accident Free - Claim-free drivers pay less when compared to bad drivers.
  • Pay Now and Pay Less - If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
  • Multiple Cars - Buying coverage for all your vehicles on the same auto insurance policy qualifies for this discount.
  • Paperwork-free - Some insurance companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Safety Course Discount - Taking a course in driver safety could save 5% or more and easily recoup the cost of the course.
  • Anti-theft System - Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.

A little note about advertised discounts, most discounts do not apply to the entire cost. Some only apply to the price of certain insurance coverages like comp or med pay. So despite the fact that it appears you could get a free auto insurance policy, you won't be that lucky.

To see a list of insurance companies with discount auto insurance rates in Indiana, click here to view.

Fast and Easy New Palestine Auto Insurance Quotes

Most companies like Progressive, Allstate and GEICO provide pricing directly from their websites. Getting online rates is pretty easy as you simply type in the amount of coverage you want as detailed in the form. Once you submit the form, the company's rating system will obtain credit information and your driving record and returns pricing information based on these factors. Quoting online makes comparing rates easy, but the time it takes to visit several different sites and type in the same information can be a bit tiresome and repetitive. But it's very important to perform this step if you want to find the best price on auto insurance.

Quote rates the easy way

The preferred way to find cheaper rates uses one simple form to obtain quotes from a lot of companies. The form is fast, eliminates form submissions, and makes comparison shopping much more efficient. As soon as you send your information, it gets priced with multiple companies and you can pick any one of the price quotes you receive. If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. The whole process can be completed in less than 10 minutes and you will find out if you're overpaying now.

To save time and find out if lower rates are available, click here to open in new window and complete the simple form. If you have your current policy handy, we recommend that you enter as close as possible to your current policy. This makes sure you are getting comparison quotes based on the exact same insurance coverage.

Why some people pay less for insurance in New Palestine

An important part of buying insurance is that you know the different types of things that play a part in calculating the price you pay for auto insurance. Knowing what impacts premium levels allows you to make educated decisions that will entitle you to better auto insurance rates.

  • Do you work long hours in a high stress job? - Careers like real estate brokers, business owners and financial analysts tend to pay higher average rates in part from high stress levels and long work hours. Conversely, occupations such as farmers, engineers and retirees have the lowest average rates.
  • Lower rates with optional equipment - Driving a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Theft prevention devices like GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.
  • Liability coverage is cheap - Your policy's liability coverage will protect you when a court rules you are at fault for damages from an accident. Liability provides you with a defense in court up to the limits shown on your policy. Liability insurance is quite affordable as compared to coverage for physical damage, so do not cut corners here.
  • Pay less after the wedding - Getting married helps lower the price on your policy. Having a significant other is viewed as being more responsible it has been statistically shown that drivers who are married are more cautious.
  • Do you need the policy add-ons? - There are quite a few extra bells and whistles that can waste your money on your auto insurance policy. Coverages for rental car reimbursement, accident forgiveness and motor club memberships may be costing you every month. These may sound like a good investment when talking to your agent, but if you don't need them eliminate them to save money.
  • Consolidate policies to earn discounts - Some insurers provide better rates to customers who consolidate policies with them in the form of a multi-policy discount. Even if you're getting this discount it's in your best interest to compare rates to make sure you are getting the best deal. Drivers may still find better rates by insuring with multiple companies.
  • Males pay more for insurance - The statistics show that women are safer drivers than men. Now that doesn't mean women are better drivers. Men and women are in accidents at a similar rate, but the men tend to have more serious accidents. Men also statistically receive more costly citations such as DWI and reckless driving.

How can Progressive, Allstate and GEICO save drivers who switch?

Auto insurance providers like Progressive, Allstate and GEICO consistently run ads on television and other media. They all make an identical promise about savings if you change to them. How does each company make almost identical claims? This is how they do it.

Different companies can use profiling for the type of driver that is profitable for them. A good example of a driver they prefer could possibly be over the age of 50, has no tickets, and drives less than 7,500 miles a year. A driver who meets those qualifications will qualify for the lowest rates and as a result will probably save when switching.

Drivers who are not a match for these standards will be quoted a higher premium and ends up with the driver buying from a lower-cost company. The ad wording is "drivers who switch" not "everybody who quotes" save money. That's why companies can truthfully advertise the way they do. This emphasizes why drivers must get a wide range of price quotes. It is impossible to predict the company that will provide you with the cheapest rates.

Affordable insurance is out there

Cheaper auto insurance can be sourced online and with local New Palestine insurance agents, and you should be comparing both to have the best selection. Some auto insurance companies do not offer the ability to get a quote online and these small insurance companies work with independent agents.

When shopping online for auto insurance, never reduce coverage to reduce premium. There are too many instances where an insured dropped full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible for the lowest price while still protecting your assets.

compare New Palestine auto insurance rates

Even more information can be read at the Indiana Department of Insurance website. Indiana consumers can read industry bulletins, view a list of available companies, find out which companies have the most complaints, and get help finding coverage.