Car Insurance in Union City - 10 Discounts You Might be Unaware of

Have you had enough of robbing Peter to pay Paul each month for car insurance? Your situation is no different than many other drivers in Indiana. You have multiple to buy insurance from, and although it's a good thing to be able to choose, having more makes it harder to compare rates.

It's important to do rate comparisons once or twice a year since rates are constantly changing. Even if you got the best deal six months ago you can probably find a better price now. Starting right now, forget all the misinformation about car insurance because we're going to show you the only way to remove unneeded coverages and save money.

Finding affordable coverage in Union City is easy if you know what you're doing. If you are paying for car insurance now, you will be able to save some money using this information. Indiana vehicle owners just need to know how to compare rates online.

Policy discounts you shouldn't miss

Companies don't necessarily list all their discounts very clearly, so here is a list both the well known and the more hidden discounts you could be receiving. If you're not getting every credit available, you are paying more than you should be.

Save with a New Car - Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
Military Rewards - Being deployed with a military unit could mean lower rates.
Anti-lock Brakes - Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
College Student - Youth drivers who live away from home and do not have a car can receive lower rates.
Bundle and Save - If you insure your home and vehicles with one company you will save approximately 10% to 15%.
Senior Citizens - If you're over the age of 55, you may qualify for reduced rates.
Drive Less and Save - Driving fewer miles can qualify you for a substantially lower rate.
Organization Discounts - Being a member of a qualifying organization may earn a discount on car insurance.
Air Bag Discount - Factory air bags may earn rate discounts of more than 20%.
Accident Free - Claim-free drivers can earn big discounts as compared to accident-prone drivers.

Consumers should know that some credits don't apply to the entire cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, companies don't profit that way.

To choose companies offering car insurance discounts in Indiana, click here.

Save $429 a year? Really?

Consumers in Indiana can't ignore all the ads for the lowest price auto insurance by companies like GEICO, State Farm and Progressive. They all seem to have a common claim that you'll save big if you switch to them.

How does each company claim to save you money?

All the different companies can use profiling for the type of driver that makes them money. An example of a desirable insured might be over the age of 40, has no tickets, and has a high credit rating. Any new insured that hits that "sweet spot" is entitled to the best price and is almost guaranteed to save when switching.

Potential insureds who don't qualify for these standards will have to pay more money and this can result in the customer not buying. The ads state "people who switch" but not "drivers who get quotes" save money. That's why companies can state the savings. Because of the profiling, you should get a wide range of price quotes. It's just too difficult to predict the company that will have the lowest rates.

More Indiana car insurance information

More detailed Indiana car insurance information is available at the Indiana Department of Insurance website. Visitors are able to file complaints about an insurance agent or broker, view a list of available companies, read consumer alerts, and read enforcement actions against agents and companies.

A tidy conclusion

As you restructure your insurance plan, it's very important that you do not buy poor coverage just to save money. In many instances, an insured dropped comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. The ultimate goal is to buy a smart amount of coverage at an affordable rate.

Discount car insurance can be found both online and with local Union City insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies do not offer online price quotes and most of the time these smaller companies sell through independent agents.