Consumer Tested Strategies to Save on Oaklandon Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us, many consumers are feeling buyer's remorse and feel like there's no way out. You have so many to pick from, and even though it's nice to have a choice, lots of choices makes it harder to compare rates.

Compare the Market for Auto Insurance in Oaklandon

Getting better auto insurance pricing is surprisingly easy. You just have to spend a few minutes on the computer comparing rate quotes online with multiple companies. This can be done using a couple different methods.

The first (and easiest) way to find low rates is to use a rate comparison form click here to open form in new window. This easy form saves time by eliminating multiple quote forms for each company. Completing one form compares rates from multiple low-cost companies.

A less efficient way to get quotes online is going to the website for every company you want to comare to complete a price quote. For instance, let's say you want to compare rates from , and . You would have to go to every website and enter your information, which is why most consumers use the first method.

To view a list of companies in Oaklandon, click here.

The least recommended method to compare rates is to spend your day driving to local insurance agencies. Shopping for auto insurance online makes this process obsolete unless you prefer the professional advice of a licensed agent. However, consumers can compare the best prices online and still use a local agent.

It's your choice how you get your quotes, but compare identical coverage limits and deductibles for every company. If you use different liability limits it will be next to impossible to decipher which rate is best in Oaklandon.

Tips to Get Lower Oaklandon Rates

It's important that you understand the different types of things that go into determining the price you pay for auto insurance. Knowing what influences your rates empowers consumers to make smart changes that could result in better auto insurance rates.

Safer cars cost less to insure - Safer cars can get you lower premiums. Safe vehicles protect occupants better and lower injury rates means lower claim amounts and thus lower rates.
Policy add-ons can waste money - There are many extra coverages that you can get tricked into buying on your auto insurance policy. Coverages for roadside assistance, accidental death and additional equipment coverage may be costing you every month. These coverages may sound good at first, but now you might not need them so eliminate them to save money.
High credit ratings translate to low rates - A driver's credit score is a large factor in calculating your auto insurance rates. So if your credit history is lower than you'd like, you could be paying less to insure your by spending a little time repairing your credit. People with excellent credit tend to be more responsible than those with poor credit.
More miles equals more premium - The more miles you rack up on your car in a year the more you'll pay to insure your vehicle. Almost all companies apply a rate based on their usage. Cars and trucks that are left in the garage qualify for better rates than those used for commuting. Verify your auto insurance policy shows how each vehicle is driven.
Multi-policy discounts can save money - Most insurers will award you with lower prices to customers who carry more than one policy in the form of a multi-policy discount. Even with this discount, you may still want to shop around to verify if the discount is saving money. You may still be able to find a better deal by splitting coverages up.
Traffic violations increase rates - Whether or not you get tickets has a lot to do with how much you pay for insurance. Only having one moving violation can bump up the cost by twenty percent. Drivers who don't get tickets receive lower rates than bad drivers. Drivers with serious tickets like DUI or reckless driving are required to file a SR-22 with their state DMV in order to continue driving.
Small claims can cost you - Auto insurance companies in Indiana award lower rates to drivers who do not file claims often. If you tend to file frequent claims, you can expect either higher rates or even cancellation. Car insurance is designed for the large, substantial claims.

Save big with these discounts

Car insurance companies do not list all available discounts very clearly, so we break down both well-publicized and the more hidden savings tricks you should be using. If you're not getting every credit possible, you're just leaving money on the table.

Fewer Miles Equal More Savings - Driving fewer miles can earn discounted rates on garaged vehicles.
Defensive Driver - Taking a course in driver safety could possibly earn you a 5% discount depending on where you live.
Anti-lock Brake System - Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
Life Insurance - Some companies give a discount if you purchase life insurance from them.
Anti-theft System - Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.

Keep in mind that most discounts do not apply the the whole policy. Most only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like you could get a free auto insurance policy, it just doesn't work that way.

For a list of insurers offering auto insurance discounts in Indiana, click here to view.

Additional detailed information can be found at the Indiana Department of Insurance website. Indiana consumers can find disaster information, discover disciplinary actions, find out industry alerts, and file complaints about an insurance agent or broker.

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

Best coverage at the best price

Affordable auto insurance can be found online as well as from independent agents in Oaklandon, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies don't offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

When buying insurance coverage, make sure you don't reduce needed coverages to save money. There are a lot of 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 buy enough coverage at an affordable rate while not skimping on critical coverages.

In this article, we presented many tips how you can lower your auto insurance rates. The key thing to remember is the more companies you get rates for, the higher your chance of finding lower rates. You may even find the lowest priced auto insurance comes from a company that doesn't do a lot of advertising. Smaller companies can often insure niche markets at a lower cost than their larger competitors like .