How to Know You're Spending Too Much for Auto Insurance in Orleans

Having to pay for overpriced auto insurance can drain your personal savings and force you to prioritize other expenses. Comparing price quotes is free and is an excellent way to help make ends meet. Drivers have multiple to pick from, and although it's a good thing to have a choice, it can be more challenging to compare rates.

It's important to take a look at other company's rates quite often because insurance rates are constantly changing. If you had the lowest rates a few years ago there may be better deals available now. So ignore everything you know about auto insurance because you're about to learn the tricks you need to know to reduce your cost while increasing coverage.

Finding affordable coverage in Orleans is quite easy. If you have car insurance now, you should be able to lower your premiums substantially using this information. Indiana drivers only need an understanding of the most effective way to compare company rates online.

Indiana auto insurance

Be sure to get all your discounts

Companies do not list every available discount very clearly, so we break down both well-publicized as well as the least known ways to save on auto insurance. If you're not getting every credit you deserve, you're just leaving money on the table.

  • Good Student Discount - Getting good grades can get you a discount of up to 25%. This discount can apply up to age 25.
  • Save over 55 - Older drivers can possibly qualify for better auto insurance rates.
  • Government Employees - Simply working for the federal government can save as much as 8% with certain companies.
  • Auto/Life Discount - Larger companies have a discount if you purchase a life insurance policy as well.
  • Defensive Driving Course - Completing a course in driver safety could cut 5% off your bill depending on where you live.
  • Discount for New Cars - Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.
  • Passive Restraint Discount - Vehicles with factory air bags or automatic seat belts may earn rate discounts of up to 25% or more.

It's important to understand that many deductions do not apply to the overall cost of the policy. Most only reduce individual premiums such as medical payments or collision. So even though they make it sound like you can get free auto insurance, it doesn't quite work that way.

For a list of providers with the best auto insurance discounts in Indiana, click this link.

Free Quotes for Auto Insurance in Orleans, Indiana

There are several ways to compare auto insurance quotes, but there is one way that is easier and takes less work. You can waste hours talking to insurance agencies in Orleans, or you could save time and use online quoting to get prices fast.

Most car insurance companies enroll in a system that allows shoppers to only type in their quote data once, and each company can provide price quotes based on that information. This system prevents you from having to do form submissions to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The only drawback to getting quotes like this is you are unable to specify the companies you will receive quotes from. So if you want to choose specific providers to compare rates, we have a listing of auto insurance companies in Indiana. View list of Indiana insurance companies.

It doesn't matter which method you choose, just make darn sure you compare identical coverages for every quote you compare. If the quotes have different limits and deductibles on each one it's not possible to determine the best price in Orleans.

How do I know if I need professional advice?

When it comes to choosing adequate coverage for your personal vehicles, there isn't really a one size fits all plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions may help you determine whether or not you would benefit from professional advice.

  • Do I need to file an SR-22 for a DUI in Indiana?
  • Should I put collision coverage on all my vehicles?
  • Do I have coverage for damage caused while driving under the influence?
  • What happens if I owe more than my vehicle is worth?
  • Should I rate my vehicle as pleasure use or commute?
  • Should I file a claim if it's only slightly more than my deductible?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered when pulling a rental trailer?

If it's difficult to answer those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It's fast, free and can help protect your family.

In the end, you save

In this article, we presented many ideas to get a better price on auto insurance. The key concept to understand is the more you quote, the better chance you'll have of finding lower rates. Consumers may even find the best price on auto insurance is with the least-expected company. These companies can often provide lower rates in certain areas compared to the large companies like .

As you shop your coverage around, make sure you don't sacrifice coverage to reduce premiums. There have been many cases where drivers have reduced uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your goal should be to get the best coverage possible at a price you can afford, not the least amount of coverage.