How to Know You're Paying Too Much for Auto Insurance in Sheridan

No one likes having to buy auto insurance, especially knowing their premiums are too high. You have so many to pick from, and although it's a good thing to have a selection, lots of choices makes it harder to compare rates.

It's important to shop coverage around occasionally since insurance rates are constantly changing. Even if you think you had the lowest price six months ago you can probably find a lower rate today. Block out anything you think you know about auto insurance because we're going to demonstrate how to quote online to get good coverage at a lower rate.

Finding the best rates in Sheridan is not that difficult. If you currently have car insurance, you stand a good chance to be able to cut costs considerably using this strategy. Indiana consumers only need to know the most efficient way to buy auto insurance on the web.

Sheridan auto insurance comparison

Finding Auto Insurance Deals in Sheridan, IN

Most companies like Progressive, GEICO, Allstate and State Farm provide coverage price quotes directly from their websites. Getting online quotes is fairly simple as you just type in your coverage preferences as detailed in the form. When the form is submitted, their system will obtain your driving record and credit report and returns a price quote. This streamlines rate comparisons, but the process of having to visit many different websites and fill out multiple forms is repetitive and time-consuming. But it's very important to compare as many rates as possible if you want to find the best price on auto insurance.

A quicker way to get multiple rate quotes requires only one form that gets price quotes from many companies. The form is fast, requires less work, and makes quoting online much more enjoyable. Once the form is submitted, it gets priced with multiple companies and you can pick any one of the quotes returned. If a lower price is quoted, you can click and sign and purchase coverage. The whole process just takes a couple of minutes and you will find out if you're overpaying now.

To quickly find out if lower rates are available, click here to open in new window and input your coverage information. If you have coverage now, it's recommended that you enter coverages and limits as close as possible to your current policy. This ensures you will receive a fair comparison for similar insurance coverage.

Are you getting all your discounts?

Car insurance companies don't necessarily list all their discounts very clearly, so we researched some of the best known as well as the least known auto insurance savings. If you're not getting every credit you qualify for, you're paying more than you need to.

  • College Student - Children who are attending college and don't have a car can be insured at a reduced rate.
  • Anti-theft System - Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Safety Course Discount - Taking a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
  • New Vehicle Savings - Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
  • Drivers Education - Have your child complete a driver education course if offered at their school.
  • Passive Restraint Discount - Factory air bags or motorized seat belts may earn rate discounts of 20% or more.
  • Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase life insurance from them.

A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. Most only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like you could get a free auto insurance policy, you won't be that lucky.

To see a list of companies with discount auto insurance rates in Indiana, follow this link.

Tailor your coverage to you

When choosing the best auto insurance coverage for your vehicles, there isn't really a one size fits all plan. Everyone's needs are different so your insurance needs to address that. For instance, these questions might point out whether you might need an agent's assistance.

  • What are Indiana no-fault laws?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Should I rate my vehicle as pleasure use or commute?
  • Who is covered when they drive my vehicle?
  • Is rental equipment covered for theft or damage?
  • Should I have combined single limit or split liability limits?
  • Should I drop comprehensive coverage on older vehicles?

If you don't know the answers to these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Even more information is located at the Indiana Department of Insurance website. Indiana drivers can read enforcement actions against agents and companies, read consumer alerts, discover disciplinary actions, and file complaints about an insurance agent or broker.

Additional helpful sites include Auto Insurance 101 and this page of insurance agents in Sheridan.