Car Insurance in Richland Indiana - 6 Tips to Save Money

Saving money on Richland car insurance is a challenge for consumers new to comparison shopping online. People have so many choices that it can easily become a challenge to find lower rates in Richland.

Save big with these six discounts

Insurance can be prohibitively expensive, but there are discounts available to reduce the price significantly. Larger premium reductions will be automatically applied at the time you complete a quote, but some may not be applied and must be specifically requested prior to getting the savings.

  • Fewer Miles Equal More Savings - Fewer annual miles could qualify for discounted rates on garaged vehicles.
  • Payment Method - If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
  • Auto/Home Discount - If you have multiple policies with the same company you will save at least 10% off all policies.
  • Early Switch Discount - Some companies give discounts for switching to them prior to your current policy expiring. It's a savings of about 10%.
  • Anti-lock Brake System - Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
  • Passive Restraints - Vehicles equipped with air bags can receive discounts of 20% or more.

As a disclaimer on discounts, most discounts do not apply to the entire cost. Some only reduce specific coverage prices like liability and collision coverage. Just because you may think all the discounts add up to a free policy, car insurance companies aren't that generous. Any amount of discount will help reduce your overall premium however.

car insurance in Richland

Car insurance ads bend the truth

21st Century, Allstate and State Farm continually stream ads on TV and radio. All the companies make an identical promise about savings after switching to them. But how can every company make the same claim? It's all in the numbers.

Insurance companies can use profiling for the type of driver that earns them a profit. A good example of a profitable customer could be a mature driver, has no tickets, and has excellent credit. Any new insured who meets those qualifications will get very good rates and most likely will save a lot of money.

Potential customers who fall outside this ideal profile must pay a more expensive rate and ends up with business going elsewhere. The ads say "customers who switch" not "people who quote" save money. That's why companies can truthfully make those claims.

This illustrates why drivers should get as many quotes as possible. It's just too difficult to predict the company that will have the lowest rates.

More Indiana car insurance information

Additional information can be read on the Indiana Department of Insurance website found here. Consumers can find disaster information, view a list of available companies, and view agent and company licensing information.

Also read more on this page for car insurance prices in Indiana and this page of Richland insurance agents.

compare Richland car insurance rates

Affordable insurance is out there

Cheap car insurance can be purchased from both online companies and with local Richland insurance agents, and you need to price shop both to have the best rate selection. Some companies do not offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

People change insurance companies for a variety of reasons including delays in responding to claim requests, unfair underwriting practices, policy non-renewal and even high prices. Whatever your reason, finding a new car insurance company is less work than it seems.

While you're price shopping online, don't be tempted to skimp on coverage in order to save money. There are a lot of situations where an insured dropped full coverage and found out when filing a claim they didn't purchase enough coverage. The proper strategy is to find the BEST coverage at the best price while not skimping on critical coverages.