Top 6 Ways You Can Buy Car Insurance for Less in Plainfield Indiana

Are you overwhelmed by the wide range of car insurance options in Plainfield? You're not the only one! You have so many options that it can turn into a big hassle to find the best price.

Be sure to get all your discounts

Car insurance companies do not list every discount very clearly, so the following is a list of some of the more common and the harder-to-find discounts you could be receiving. If you're not getting every credit possible, you are throwing money away.

Drivers Education - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class if it's offered in school.
Low Mileage Discounts - Fewer annual miles could qualify for a substantially lower rate.
No Charge for an Accident - Certain companies will allow you to have one accident before your rates go up if your claims history is clear for a certain period of time.
Multiple Policy Discount - If you have multiple policies with one company you may save 10% to 20% off each policy.
Anti-theft System - Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
Multiple Vehicles - Buying insurance for multiple vehicles on one policy qualifies for this discount.

As a disclaimer on discounts, some of the credits will not apply the the whole policy. Some only apply to the price of certain insurance coverages like liability and collision coverage. So when it seems like you could get a free car insurance policy, car insurance companies aren't that generous.

Is there truth in advertising?

Consumers get pounded daily by advertisements that promise big savings from the likes of State Farm, Allstate and GEICO. They all have a common claim about savings after switching your coverage to them.

How does each company make the same claim? This is how they do it.

Different companies are able to cherry pick for the type of customer that earns them a profit. A good example of a driver they prefer could be a mature driver, has no tickets, and has a high credit rating. Any new insured that hits that "sweet spot" will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential insureds who don't measure up to these standards will be quoted more money and this can result in business going elsewhere. The ad wording is "drivers who switch" but not "drivers who get quotes" save that much money. That's the way companies can truthfully state the savings. This emphasizes why you should compare as many rates as you can. It's just too difficult to predict which car insurance company will have the lowest rates.

Even more information can be read at the Indiana Department of Insurance website. Consumers can view a list of available companies, discover disciplinary actions, and get help finding coverage.

Also read more on this site for car insurance rates in Indiana and this list of insurance agents in Plainfield, IN.

Best coverage at the best price

Drivers change insurance companies for any number of reasons including extreme rates for teen drivers, delays in responding to claim requests, an unsatisfactory settlement offer and even policy non-renewal. Regardless of your reason, switching car insurance companies is less work than it seems.

Cheap car insurance can be sourced from both online companies as well as from independent agents in Plainfield, and you need to price shop both in order to have the best chance of saving money. Some insurance companies don't offer you the ability to get quotes online and these small insurance companies work with independent agents.

As you restructure your insurance plan, make sure you don't buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped collision coverage and discovered at claim time that they should have had better coverage. The proper strategy is to get the best coverage possible for the lowest price while still protecting your assets.