7 Discounts Versailles Consumers Forget when Quoting Car Insurance

Nobody I know cherishes buying car insurance, especially when the cost is too high. Lots of contend for your business, and it can be difficult to compare rates to get the lowest price

It's important to price shop coverage periodically since rates are constantly changing. If you had the best rates last year there is a good chance you can find better rates now. There is a lot of bad information regarding car insurance online but I'm going to show you some great ways to reduce your car insurance bill.

If you are insured now or are shopping for new coverage, you will benefit by learning to shop for the lowest rates and still get good coverage. Finding the best rates in Versailles is easy if you know what you're doing. Indiana vehicle owners just need to know the most effective way to shop for car insurance online.

Versailles Car Insurance Comparisons

All major car insurance companies such as Progressive, GEICO, Allstate and State Farm give coverage price quotes on their websites. Getting quotes doesn't take a lot of time as you just type in your personal and coverage information as detailed in the form. After the form is submitted, their rating system will obtain credit information and your driving record and returns pricing information based on these factors. Quoting online makes it a lot easier to compare rates but the time it takes to visit a lot of sites and complete many quote forms can be a bit repetitive. But it's very important to perform this step in order to get better car insurance pricing.

The preferred way to compare rates is to use a quote form that gets price quotes from several different companies. The form is fast, eliminates form submissions, and makes online quotes much more efficient. After sending your information, your coverage is rated and you are able to buy any of the resulting price quotes.

If a lower price is quoted, you simply finish the application and purchase coverage. This process can be completed in less than 10 minutes and you will know how your current rates stack up.

To find out what other companies charge, click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you type in your coverages just like they are on your policy. This makes sure you will have a fair comparison for the exact same coverage.

These seven discounts can lower your rates

The cost of insuring your cars can be expensive, buy you may qualify for discounts to help offset the cost. Larger premium reductions will be automatically applied when you quote, but some may not be applied and must be asked for prior to getting the savings. If they aren't giving you every credit you qualify for, you are paying more than you should be.

New Car Discount - Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
Passive Restraint Discount - Factory air bags or motorized seat belts can get savings of more than 20%.
Pay Upfront and Save - By paying your policy upfront instead of making monthly payments you could save 5% or more.
More Vehicles More Savings - Buying coverage for multiple cars or trucks with the same company may reduce the rate for each vehicle.
Theft Prevention Discount - Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
Military Discounts - Being deployed with a military unit can result in better rates.
Good Student - This discount can earn a discount of 20% or more. The good student discount can last up to age 25.

Drivers should understand that some of the credits will not apply to the entire policy premium. Some only apply to individual premiums such as liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, companies wouldn't make money that way. But all discounts will cut the cost of coverage.

To choose companies with the best car insurance discounts in Versailles, click here.

Are you falling for claims of savings?

Consumers can't ignore all the ads for cheaper car insurance from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to have a common claim that you'll save big if you move your policy.

How do they all make the same claim?

Insurance companies have a certain "appetite" for the right customer that makes them money. A good example of a desirable insured could be a mature driver, a clean driving record, and has great credit. Any new insured that hits that "sweet spot" will qualify for the lowest rates and as a result will probably cut their rates substantially.

Potential customers who are not a match for the "perfect" profile will have to pay a higher premium and this can result in business going elsewhere. The ad wording is "customers that switch" not "everybody who quotes" save that kind of money. That is how companies can advertise the savings.

Because of the profiling, you need to get a wide range of price quotes. It's just too difficult to predict which company will give you the biggest savings.

Different people need different coverages

When buying coverage for your vehicles, there is no "perfect" insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions may help highlight whether you would benefit from professional advice.

Should I file a claim if it's only slightly more than my deductible?
Should I drop comprehensive coverage on older vehicles?
Do I have any recourse if my insurance company denies a claim?
Am I covered when driving on a suspended license?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Do I have coverage when using my vehicle for my home business?

If you can't answer these questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Much more information about car insurance in Indiana can be read on the website for the Indiana Department of Insurance located here. Consumers can read enforcement actions against agents and companies, find out industry alerts, view a list of available companies, and report car insurance fraud.

In the end, you save

As you prepare to switch companies, never reduce coverage to reduce premium. There are many occasions where someone dropped full coverage and found out when filing a claim that the small savings ended up costing them much more. Your aim should be to get the best coverage possible at a price you can afford.

You just learned a lot of techniques to compare car insurance prices online. The key concept to understand is the more times you quote, the higher the chance of saving money. You may even discover the best price on car insurance is with the least-expected company. These smaller insurers may only write in your state and offer lower rates than the large multi-state companies such as .