8 Tips to Save on Car Insurance in Whitestown, IN

Tired of not being able to afford each month for car insurance? You are in the same boat as many other Indiana drivers. Companies like State Farm, Allstate, GEICO and Progressive persitently shower you with advertising and it is difficult to sift through the bull and find the best price available.

If you have a current car insurance policy or need new coverage, you will benefit by learning to find better prices and still get good coverage. Finding the best rates in Whitestown 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 over the internet.

These eight discounts can lower your rates

Properly insuring your vehicles can get expensive, but you can get discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you quote, but lesser-known reductions have to be requested specifically prior to getting the savings. If you aren't receiving every discount available, you are paying more than you should be.

  • No Accidents - Claim-free drivers can save substantially when compared to accident-prone drivers.
  • Payment Method - If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
  • 55 and Retired - If you're over the age of 55, you may be able to get better car insurance rates.
  • Service Members Pay Less - Having a deployed family member may qualify for rate reductions.
  • Anti-theft System - Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.
  • Paperwork-free - Some insurance companies will give a small break for buying a policy and signing up digitally online.
  • Low Mileage Discounts - Fewer annual miles can earn lower rates on the low mileage vehicles.
  • Use Seat Belts - Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more on the medical payments or PIP coverage costs.

Drivers should understand that most of the big mark downs will not be given to the entire cost. Most cut the price of certain insurance coverages like comp or med pay. Even though it may seem like you could get a free car insurance policy, companies wouldn't make money that way. But all discounts will reduce the cost of coverage.

To choose insurance companies who offer car insurance discounts in Whitestown, follow this link.

Are you falling for claims of savings?

Consumers can't ignore all the ads for the lowest price auto insurance by Progressive, Allstate and GEICO. They all say the same thing that you'll save big after switching to their company.

How can each company make the same claim? This is how they do it.

Different companies can use profiling for the driver that makes them money. For example, a driver they prefer could be a mature driver, has no tickets, and has a high credit rating. Any new insured who fits that profile gets the lowest rates and as a result will probably save when they switch companies.

Potential customers who are not a match for the requirements will be quoted a higher premium which usually ends up with business going elsewhere. The ads say "drivers who switch" not "everybody who quotes" save that much. That's why companies can state the savings.

This emphasizes why you should quote coverage with many companies. It's just too difficult to predict the company that will have the lowest rates.

Much more information about car insurance in Indiana can be found on the website for the Indiana Department of Insurance. Click here for link. Consumers can read industry bulletins, view a list of available companies, learn about insurance regulations, and read consumer alerts.

compare Whitestown car insurance rates

A tidy conclusion

As you restructure your insurance plan, it's not a good idea to buy poor coverage just to save money. There are too many instances where an insured dropped uninsured motorist or liability limits only to regret that they should have had better coverage. Your strategy should be to purchase plenty of coverage for the lowest price while still protecting your assets.

Budget-conscious car insurance can be bought from both online companies and also from your neighborhood Whitestown agents, and you need to price shop both to have the best rate selection. Some insurance companies may not provide online price quotes and these regional insurance providers work with independent agents.