Free Guide to Cutting Costs on Gary Indiana Auto Insurance Online

Have you had enough of robbing Peter to pay Paul each month for car insurance? You are no different than many other Indiana consumers.

There are many car insurance companies to pick from, and although it’s a good thing to have multiple companies, too many choices makes it more difficult to locate the cheapest rates.

It’s important to compare rates on a regular basis since insurance rates fluctuate regularly. If you had the best price a few years ago a different company probably has better rates today. Starting right now, forget all the misinformation about auto insurance because you’re going to learn the fastest and easiest way to reduce your cost while increasing coverage.

Do you qualify for discounts?

Companies don’t always list all available discounts in an easy-to-find place, so the following is a list of both the well known and the more hidden ways to save on auto insurance.

  • Drive Safe and Save – Safe drivers can pay as much as 50% less than drivers with accident claims.
  • Multiple Vehicles – Having multiple vehicles on one policy could earn a price break for each car.
  • Homeowners Pay Less – Being a homeowner can save you money because owning a home requires personal responsibility.
  • Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education in high school.
  • Student in College – Any of your kids living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • Auto/Life Discount – Some companies give a break if you buy life insurance.
  • E-sign – Certain companies give back up to $50 for buying your policy over the internet.
  • Low Mileage Discounts – Low mileage vehicles can qualify you for better rates on cars that stay parked.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more off the personal injury premium cost.

It’s important to understand that most discount credits are not given to the entire policy premium. A few only apply to the cost of specific coverages such as comp or med pay. So when it seems like adding up those discounts means a free policy, companies don’t profit that way.

To see a list of companies with discount auto insurance rates in Gary, follow this link.

Can’t I compare rates from local Gary agents?

Certain consumers just want to get advice from a local agent and that is a personal choice. The biggest benefit of getting online price quotes is you may find better rates and still choose a local agent.

To help locate an agent, after submitting this form (opens in new window), the coverage information is submitted to companies in Gary who will compete for your insurance coverage. You never need to drive around as quotes are delivered directly to your email. It doesn’t get any easier! It’s the lowest rates and work with a local insurance image

Selecting a company requires more thought than just the premium amount. These questions are important to ask:

  • How long have they worked with personal auto insurance coverage?
  • If they are an independent agency, which companies do they recommend?
  • Is the agency involved in supporting local community causes?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • How are they compensated?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Does the agency have a good rating with the Better Business Bureau?

Multiple types of insurance agents in Gary

If you’re trying to find a reputable insurance agent or broker, there are two types of agencies that you can select. Agencies in Gary are classified as either captive or independent (non-captive).

Agency Captives

Captive agencies can only place business with one company and examples are Farmers Insurance or State Farm. They are unable to compare other company’s rates so it’s a take it or leave it situation. Captive agents receive extensive training on their company’s products which helps them compete with independent agents.

The following are Gary captive insurance agents that are able to give price quotes.

Allstate Insurance – 2207 Grant St # B – Gary, IN 46404 – (219) 949-6614
State Farm Insurance – 940 Broadway – Gary, IN 46402 – (219) 880-1340
Farmers Insurance Group – 4499 W 5th Ave – Gary, IN 46406 – (219) 977-9447
American Family Insurance – 3270 Grant St – Gary, IN 46408 – (219) 980-2886

Independent Agents

Independent agents do not work for one specific company so they have the ability to put coverage with multiple insurance companies depending on which coverage is best. If you are not satisfied with one company, your agent can switch companies and that require little work on your part.

When comparing rates, you should always include at least one independent agent for the best price selection.

The following are independent agencies in Gary willing to provide rate quotes.

United Auto Insurance – – Gary, IN 46402 – (219) 881-0800
Glen Park Auto Insurance – 3992 Broadway – Gary, IN 46408 – (219) 884-7506

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For a complete listing of licensed insurance agents in Gary, please click here.

After receiving acceptable answers to any questions you have and an acceptable price quote, most likely you have located an insurance agent that is a good match to provide auto insurance coverage.

Find out more about auto insurance

More detailed Indiana auto insurance information can be found at the Indiana Department of Insurance website. Consumers can learn about insurance regulations, read enforcement actions against agents and companies, and read consumer alerts.

What is YOUR best insurance company?

As you prepare to switch companies, it’s very important that you do not skimp on critical coverages to save a buck or two. There have been many situations where drivers have reduced comprehensive coverage or liability limits only to find out that they should have had better coverage. Your focus should be to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

Budget-conscious auto insurance can be sourced from both online companies in addition to many Gary insurance agents, and you need to price shop both to have the best selection. Some insurance providers do not provide online price quotes and most of the time these small, regional companies sell through independent agents.

We just presented some good ideas how to save on auto insurance. The key concept to understand is the more rate quotes you have, the better likelihood of reducing your rate. Consumers may even find the most savings is with a small local company. They may cover specific market segments cheaper than their larger competitors like GEICO and State Farm.