Easy Methods to Spend Less on Paoli Auto Insurance

Finding lower rates for Paoli auto insurance is nearly impossible for people who are new to comparison shopping online. Drivers have so many choices that it can quickly become a ton of work to compare prices in Paoli.

Choosing the best insurance company for you in Paoli is easy if you know what you're doing. If you currently have a car insurance policy, you should be able to cut costs considerably using these techniques. But Indiana drivers do need to know the methods companies use to market insurance on the web because it can help you find the best coverage.

Comprehensive Auto Insurance Comparison in Paoli

There are multiple methods you can shop for auto insurance but one way is easier and takes less work. You could spend your day discussing policy coverages with agents in Paoli, or you could save time and use the web to get prices fast.

All the larger companies belong to an insurance system that enables customers to submit one quote, and each company returns a rated price based on the submitted data. This system prevents you from having to do quotation requests to each individual auto insurance company.

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

The single downside to comparing rates this way is that you can't choose which companies you want pricing from. So if you want to select from a list of companies for rate comparison, we have a page of auto insurance companies in Indiana. Click here to view list.

It's up to you how you get prices quotes, just double check that you are using identical coverage limits on every quote you get. If each company quotes differing limits it will be impossible to determine which rate is truly the best in Paoli. Having just a slight variation in insurance coverages may result in a large different in cost. It's important to know that getting more free quotes helps you find better pricing.

You have some control over your rates

It's important that you understand the rating factors that play a part in calculating the price you pay for auto insurance. Knowing what controls the rates you pay enables informed choices that could result in much lower annual insurance costs.

Shown below are a partial list of the pieces auto insurance companies consider when setting premiums.

Liability coverage is peace of mind - Your policy's liability coverage will protect you if a court rules you are at fault for causing damage or personal injury in an accident. Liability insurance provides legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so drivers should carry high limits.
Special features that cut premiums - Driving a car with an alarm system can get you a discount on your auto insurance. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.
Don't get talked into coverage you don't need - There are quite a few extra bells and whistles that you can get tricked into buying on your auto insurance policy. Coverages for personal injury protection, accidental death and term life insurance may be wasting your money. They may seem like a good idea when you first buy your policy, but if they're wasting money eliminate them to save money.
Pleasure use saves money - The higher the mileage driven every year the more you'll pay to insure your vehicle. Most insurance companies apply a rate based on how the vehicle is used. Autos used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. Double check that your auto insurance declarations sheet shows the correct usage for each vehicle, because improper ratings can cost you money.
Men are more aggressive - The statistics show that women are safer drivers than men. Now that doesn't mean men are worse drivers. Both sexes cause accidents in similar numbers, but the male of the species tend to have more serious accidents. Men also tend to have more aggressive citations such as DWI and reckless driving.
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 citation can boost insurance rates forty percent or more. Careful drivers have lower premiums than their less careful counterparts. Drivers with dangerous tickets like reckless driving, hit and run or driving under the influence are required to file a proof of financial responsibility form (SR-22) with their state DMV in order to prevent a license revocation.
Discounts for married couples - Having a wife or husband helps lower the price on your auto insurance policy. Having a spouse means you're more mature than a single person and it's proven that drivers who are married are more cautious.

Don't pay full price with these discounts

Companies offering auto insurance don't always advertise all available discounts very clearly, so we researched both well-publicized as well as the least known ways to save on auto insurance.

Club Memberships - Participating in a qualifying organization could trigger savings when buying auto insurance.
Drivers Education - Require your teen driver to enroll in driver's education if offered at their school.
Safety Course Discount - Successfully completing a course in driver safety could save 5% or more depending on where you live.
Auto/Life Discount - Select insurance companies reward you with a discount if you purchase life insurance.
One Accident Forgiven - Certain companies will forgive one accident without raising rates so long as you haven't had any claims for a set time period.
Good Students Pay Less - Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
Homeowners Pay Less - Owning a home in Paoli may earn you a small savings because maintaining a house shows financial diligence.
Fewer Miles Equal More Savings - Low mileage vehicles could be rewarded with better rates on cars that stay parked.
No Accidents - Claim-free drivers pay much less when compared with frequent claim filers.

Consumers should know that most discount credits are not given to the entire cost. Some only apply to individual premiums such as physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, companies don't profit that way.

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

More detailed Indiana auto insurance information is located at the Indiana Department of Insurance website. Indiana consumers can find out which companies have the most complaints, view a list of available companies, and discover disciplinary actions.

Other useful links include this link for Indiana auto insurance quotes and this link which helps you find a Paoli agent.

Final considerations

Discount auto insurance is attainable online and also from your neighborhood Paoli agents, and you need to comparison shop both to have the best rate selection. There are still a few companies who may not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

Insureds leave their current company for a number of reasons such as questionable increases in premium, extreme rates for teen drivers, delays in responding to claim requests and delays in paying claims. Regardless of your reason, choosing a new insurance company is not as hard as you think.

As you prepare to switch companies, make sure you don't reduce needed coverages to save money. In too many instances, an insured dropped collision coverage and learned later that the small savings ended up costing them much more. Your focus should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.