9 Best Tips to Cut Car Insurance Costs in South Whitley

Paying for high-priced car insurance can dwindle your checking account and put the squeeze on your family's finances. Comparison shopping is a smart way to lower your monthly bill. Since consumers have many online and local companies to choose from, it is hard for the average consumer to choose the most cost effective company.

It's important to do rate comparisons on a regular basis since rates are constantly changing. Just because you found the best price a few years ago there may be better deals available now. Ignore everything you know about car insurance because you're about to learn the quickest way to eliminate unnecessary coverages and save money.

South Whitley car insurance quote

Don't pay full price with these nine discounts

Companies offering auto insurance don't list every available discount very well, so we took the time to find both the well known and also the lesser-known car insurance savings. If you don't get every credit you deserve, you're just leaving money on the table.

  • Theft Prevention Discount - Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • E-sign - A few companies may give you up to $50 for buying your policy online.
  • Own a Home - Being a homeowner may trigger a car insurance policy discount because maintaining a house is proof that your finances are in order.
  • Good Student Discount - Getting good grades can earn a discount of 20% or more. This discount can apply up until you turn 25.
  • Multi-policy Discount - When you have multiple policies with the same insurance company you could get a discount of at least 10% off all policies.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Military Rewards - Having a deployed family member could be rewarded with lower premiums.
  • Resident Student - Children who attend school more than 100 miles from home and don't have a car may be able to be covered for less.
  • Low Mileage - Low mileage vehicles can earn lower rates on the low mileage vehicles.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Most only apply to specific coverage prices like comprehensive or collision. So even though they make it sound like adding up those discounts means a free policy, you won't be that lucky.

For a list of providers with discount car insurance rates in Indiana, follow this link.

Which Car Insurance is Cheapest in South Whitley, Indiana?

There are multiple methods to compare car insurance quotes, but one way is less time-consuming than others. You can waste hours talking to agents in South Whitley, or you could use online quotes for quick rates.

Most car insurance companies take part in a program that enables customers to only type in their quote data once, and every company can give them a price for coverage. This eliminates the need for quote forms to each individual car insurance company.

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

One minor caviat to using this type of form is you can't choose the companies you want to price. So if you want to choose from a list of companies for rate comparison, we put together a list of companies who write car insurance in Indiana. Click here to view list.

It doesn't matter which method you choose, just ensure you are comparing apples-to-apples quote information with each company. If you use mixed coverages then you won't be able to make an equal comparison in South Whitley.

Best coverage at the best price

When shopping online for car insurance, don't be tempted to sacrifice coverage to reduce premiums. Too many times, drivers have reduced physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The aim is to buy a smart amount of coverage at the best price, not the least amount of coverage.

Cheaper car insurance can be sourced both online and with local South Whitley insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some car insurance companies do not offer online quoting and many times these regional insurance providers only sell through independent insurance agents.

We just covered a lot of tips how to get a better price on car insurance. It's most important to understand that the more quotes you get, the better your chances of lowering your rates. You may even discover the lowest rates come from some of the smallest insurance companies. These companies may cover specific market segments cheaper as compared to the big name companies such as .