Evansville Indiana Auto Insurance Savings the Insurance Agents Don’t Want You to Know About

No one likes having to buy auto insurance, especially knowing their premiums are too high.

Companies like State Farm, GEICO and Farmers Insurance constantly bombard you with ads and consumers find it hard to ignore the propoganda and find the best price available.

It’s smart to check auto insurance prices at least once a year because insurance rates are constantly changing. If you had the best deal six months ago you may be paying too much now. Forget anything you know (or think you know) about auto insurance because you’re about to learn the things you must know in order to lower your rates without sacrificing coverage.

Free Evansville Auto Insurance Quotes

There are a variety of methods to shop for auto insurance, but one way is more efficient than others. You could spend your day talking about coverages with local insurance agents in Evansville, or you can stay home and use online quoting to get prices fast.

Most of the larger companies participate in an industry program that allows shoppers to submit one quote, and every company can give them a price determined by their information. This eliminates the need for quotation requests for every auto insurance company. To participate in this free quote system, click to open in new window.

The only downside to comparing rates this way is you cannot specify the companies you will receive quotes from. So if you want to select specific providers to compare, we have assembled a list of low cost auto insurance companies in Indiana. Click to view list.

Whichever way you use, ensure you are comparing exactly the same coverage limits and deductibles for each price quote. If you enter different liability limits then you won’t be able to truly determine the lowest rate in Evansville. Slightly different insurance coverages may cause a big price difference. And when quoting auto insurance, remember that getting more free quotes helps locate the best rates.

Discounts are available to cut your rates

Companies that sell car insurance don’t always advertise every discount in a way that’s easy to find, so the following is a list of both well-publicized and also the lesser-known ways to save on auto insurance.

• Resident Student – Children who are attending college without a vehicle on campus can receive lower rates.
• Club Memberships – Affiliation with a civic or occupational organization could qualify you for a break when shopping for auto insurance.
• Early Signing – Select companies give a discount for switching to them before your current policy expires. This can save 10% or more.
• Homeowners Savings – Simply owning a home can save you money because of the fact that having a home is proof that your finances are in order.
• Paperwork-free – A handful of insurance companies give back up to $50 simply for signing on their website.
• Good Students Pay Less – This discount can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
• Military Rewards – Being on active duty in the military could be rewarded with lower premiums.
• Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.

Consumers should know that some of the credits will not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, companies don’t profit that way.

For a list of insurance companies with the best auto insurance discounts in Evansville, click here.

Tailor your coverage to you

When it comes to buying the right insurance coverage, there really is no “best” method to buy coverage. Each situation is unique so this has to be addressed. Here are some questions about coverages that might point out if you will benefit from professional help.

• Does my vehicle need full coverage?
• When do I need to add a new car to my policy?
• Are rental cars covered under my policy?
• Do I have coverage when using my vehicle for my home business?
• Am I covered when driving someone else’s vehicle?
• Does having multiple vehicles earn me a discount?
• Does my personal policy cover me when driving my company car?
• Should I put collision coverage on all my vehicles?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

More Indiana auto insurance information

Additional detailed information can be read at the Indiana Department of Insurance website. Indiana consumers can learn about insurance regulations, download brochures, find disaster information, and file complaints about a company.