Easy Ways to Save Money on Zionsville Auto Insurance

Are you intimidated by the wide range of auto insurance choices in Zionsville? Lot's of other consumers are too. Consumers have so many choices that it can turn into more work than you anticipated to find the best price.

It's important to do rate comparisons every six months since insurance rates are constantly changing. Just because you found the best rates two years ago a different company probably has better rates today. Don't believe everything you read about auto insurance on the web, but I'm going to show you some great ways to find cheap auto insurance.

The purpose of this article is to help educate you on the most effective way to quote insurance and some tips to save money. If you currently have car insurance, you should be able to reduce your rates substantially using these methods. Nevertheless, Indiana vehicle owners do need to know the way companies sell online.

Save big with these discounts

The price of auto insurance can be rather high, but you may find discounts that you may not know about. Certain discounts will be applied when you quote, but some may not be applied and must be specially asked for before you get the savings.

Auto/Life Discount - Larger companies have a discount if you purchase life insurance from them.
Multiple Vehicles - Insuring multiple vehicles on one policy can get a discount on all vehicles.
No Charge for an Accident - Certain companies allow you one accident before your rates go up as long as you don't have any claims for a certain period of time.
New Vehicle Savings - Putting insurance coverage on a new car is cheaper compared to insuring an older model.
Military Rewards - Having a family member in the military may qualify for rate reductions.
Anti-theft System - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
Passive Restraints - Factory air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
Drive Less and Save - Fewer annual miles could qualify for better rates on cars that stay parked.

Consumers should know that most discount credits are not given to all coverage premiums. The majority will only reduce specific coverage prices like collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, companies don't profit that way. Any qualifying discounts will bring down your overall premium however.

Why some people pay less for insurance in Zionsville

Smart consumers have a good feel for the rating factors that help determine auto insurance rates. Knowing what determines base rates allows you to make educated decisions that may reward you with better auto insurance rates.

The following are some of the items companies use to determine rates.

Please use or commuting - Driving more miles in a year the more you will pay for auto insurance. Most companies price each vehicle's coverage determined by how the vehicle is used. Autos that are left in the garage get more affordable rates than those used for commuting. Verify your auto insurance coverage shows the proper vehicle usage.
Protect your assets with liability insurance - Liability coverage provides coverage if ever a jury decides you are liable for damages from an accident. It will provide you with a defense in court up to the limits shown on your policy. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should carry high limits.
Discounts for married couples - Getting married can get you a discount on your auto insurance policy. It is viewed as being more mature and responsible and statistics show being married results in fewer claims.
Lower rates with optional equipment - Choosing a vehicle with a theft deterrent system can get you a discount on your auto insurance. Theft prevention features like GM's OnStar, tamper alarm systems and vehicle immobilizers can thwart your vehicle from being stolen.
Better crash test results mean better rates - Safer cars tend to have better insurance rates. These vehicles result in less severe injuries and better occupant protection means lower claim amounts and thus lower rates.
Your credit rating is important - Credit history is a big factor in calculating your auto insurance rates. So if your credit is not that good, you could potentially save money when insuring your by spending a little time repairing your credit. Drivers with good credit tend to file fewer claims and have better driving records than drivers with lower credit scores.

Auto insurance ads bend the truth

Auto insurance companies such as GEICO, State Farm and Progressive continually stream ads on TV and radio. They all seem to make the same claim of big savings after switching to them. How does each company say the same thing? It's all in the numbers.

Different companies are able to cherry pick for the type of driver that earns them a profit. A good example of a desirable insured might be profiled as between the ages of 30 and 50, has no driving citations, and chooses high deductibles. A propective insured who matches those parameters gets the lowest rates and most likely will save when switching.

Drivers who fall outside these standards will have to pay a higher premium which leads to business not being written. Company advertisements say "customers who switch" not "people who quote" save money. That's the way insurance companies can confidently state the savings.

Because of the profiling, drivers should get as many quotes as possible. It's not possible to predict which auto insurance company will give you the biggest savings.

Additional auto insurance information can be read on the Indiana Department of Insurance website found here. Indiana drivers can file complaints about an insurance agent or broker, find out which companies have the most complaints, and get help finding coverage.

Also read more on Auto Insurance 101 and this page where you can research Zionsville insurance agents.

Affordable insurance is out there

When buying insurance coverage, make sure you don't skimp on coverage in order to save money. In many instances, someone sacrificed full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy the best coverage you can find at the best price.

Cost effective auto insurance can be sourced on the web and with local Zionsville insurance agents, and you should compare price quotes from both to have the best selection. Some insurance companies do not offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

Insureds change insurance companies for a variety of reasons including delays in paying claims, lack of trust in their agent, an unsatisfactory settlement offer and even unfair underwriting practices. Whatever your reason, finding a new auto insurance company is less work than it seems.