Top 8 Ways to Get Lower Rates on Car Insurance in Scottsburg, IN

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Trust us, there are lots of people in the same boat.

Having so many companies to choose from, it can be impossible to find the lowest price provider.

It's important to take a look at other company's rates at least once a year since rates are constantly changing. Even if you think you had the best deal a year ago there is a good chance you can find better rates now. Starting now, block out anything you think you know about car insurance because we're going to show you the proper way to reduce your cost while increasing coverage.

Compare the Market for Car Insurance in Scottsburg

There are several ways to get quotes from car insurance companies in your area. One of the best ways to find competitive insurance rates consists of shopping online. This is very easy and can be done in several different ways.

The fastest way to get quotes for comparison is to use a rate comparison form click here to open form in new window. This method eliminates the need for repetitive form submissions for each company. Completing one form will get you price quotes from multiple companies.
A more time consuming way to compare rate quotes requires a visit to the website for each individual company and fill out their own quote form. For instance, we'll pretend you want to compare rates from , and . You would have to go to every website to input your insurance information, which is why the first method is more popular.

To view a list of companies in Scottsburg, click here.
The least efficient method of getting rate comparisons is to waste gas driving to insurance agents' offices. Buying insurance online eliminates the need for an insurance agent unless you require the trained guidance of a licensed agent. You can, however, find lower rates online and still use a local agent and we'll cover that in a bit.

Whichever way you use, compare apples-to-apples coverage limits for every quote you compare. If you are comparing differing limits it will be impossible to determine the best price in Scottsburg. Just a small difference in coverages may cause a big price difference. Just keep in mind that obtaining a wide range of quotes gives you a better chance of getting better pricing.

Take advantage of discounts

Companies offering auto insurance do not advertise all their discounts very well, so here is a list both the well known as well as the least known car insurance savings.

Discount for Life Insurance - Companies who offer life insurance give a break if you buy life insurance from them.
Drive Less and Save - Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
Safety Course Discount - Taking a defensive driving course could possibly earn you a 5% discount if your company offers it.
Discount for Good Grades - This discount can save 20 to 25%. The discount lasts up until you turn 25.
Senior Citizens - If you're over the age of 55, you may receive better car insurance rates.
Multiple Cars - Insuring all your vehicles with the same company may reduce the rate for each vehicle.
Bundle and Save - If you insure your home and vehicles with the same company you may save 10% to 20% off each policy.
Discount for Swiching Early - Some insurance companies reward drivers for buying a policy prior to your current policy expiration. The savings is around 10%.

As a disclaimer on discounts, most of the big mark downs will not be given the the whole policy. The majority will only reduce individual premiums such as collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, car insurance companies aren't that generous.

To choose companies with discount car insurance rates in Indiana, follow this link.

Are car insurance companies telling the truth?

Car insurance companies such as GEICO, State Farm and Progressive consistently run ads on TV and radio. They all seem to say the same thing about savings if you change to their company. But how can every company claim to save you money?

Different companies are able to cherry pick for the driver that makes them money. An example of a desirable insured might be between the ages of 30 and 50, has no tickets, and has excellent credit. Any new insured who fits that profile gets the lowest rates and most likely will save a lot of money.

Potential customers who don't qualify for this ideal profile will have to pay higher prices which usually ends up with the customer not buying. Company advertisements say "customers that switch" not "people who quote" save that much. That's the way companies can truthfully make those claims. Because of the profiling, you need to get as many quotes as possible. It's just too difficult to predict which car insurance company will have the lowest rates.

Even more information is available at the Indiana Department of Insurance website. Visitors are able to file complaints about an insurance agent or broker, find disaster information, discover disciplinary actions, and file complaints about a company.

Other informative sites include Auto Insurance 101 and this page where you can research Scottsburg insurance agents.

Affordable insurance is out there

While you're price shopping online, don't be tempted to reduce coverage to reduce premium. In many instances, an insured dropped liability limits or collision coverage only to find out they didn't purchase enough coverage. The ultimate goal is to buy the best coverage you can find at a price you can afford.

Cheap car insurance is attainable both online and also from your neighborhood Scottsburg agents, and you should compare price quotes from both so you have a total pricing picture. Some companies may not provide online price quotes and most of the time these smaller companies sell through independent agents.

We just covered many ways to compare car insurance prices online. It's most important to understand that the more rate quotes you have, the better your chances of lowering your rates. You may be surprised to find that the lowest rates come from a small local company. These smaller insurers may have significantly lower rates on certain market segments than their larger competitors like .