Is Your South Bend, IN Car Insurance Costing Too Much?

Finding the cheapest South Bend car insurance over the internet can seem to be impossible for consumers new to price shopping online. Because there are so many insurers to choose from, how can anyone even start to compare the different rates to find the best pricing?

Compare Quotes for South Bend Car Insurance

There are multiple methods you can shop for car insurance but there is one way that is more efficient than others. You could spend your day driving to insurance companies in South Bend, or you could save time and use online quotes for quick rates.

Many companies participate in an industry program where insurance shoppers submit one quote, and each company can give them a price for coverage. This system prevents you from having to do form submissions to each individual car insurance company.

To find out how much you’re overpaying now click here to start a free quote.

The one downside to getting quotes like this is you don’t know exactly which providers you want pricing from. So if you want to choose individual companies to receive pricing from, we have assembled a list of low cost car insurance companies in Indiana. Click here for list of insurance companies in Indiana.

However you get your quotes, ensure you’re using exactly the same coverage limits and deductibles with each company. If your comparisons have differing limits you can’t possibly determine the best price in South Bend. Slightly different limits could mean much higher rates. Just remember that having more price comparisons provides better odds of finding lower pricing.

Can you really save that much by switching?

Progressive, Allstate and GEICO regularly use ads on television and other media. All the companies have a common claim that you’ll save big if you move to their company. But how can every company claim to save you money?save money image

Different companies are able to cherry pick for the right customer that is profitable for them. An example of a preferred risk could be between 30 and 50, has no prior claims, and has excellent credit. A customer that hits that “sweet spot” receives the best rates and most likely will save a lot of money.

Potential insureds who don’t qualify for the requirements must pay a higher premium and this can result in the driver buying from a lower-cost company. The ads state “people who switch” but not “drivers who get quotes” save that much money. That’s why companies can truthfully claim big savings.

This illustrates why you need to get as many comparisons as possible. Because you never know which car insurance company will fit your personal profile best.

Take discounts and save

The cost of insuring your cars can be expensive, but there could be available discounts to help bring down the price. Some trigger automatically at the time you complete a quote, but lesser-known reductions have to be specially asked for before you will receive the discount.

  • No Claims – Drivers with accident-free driving histories can earn big discounts when compared to drivers who are more careless.
  • Discount for New Cars – Putting insurance coverage on a new car can save up to 30% due to better safety requirements for new cars.
  • Sign Online – A few companies give back up to $50 just for signing your application digitally online.
  • Accident Forgiveness – Some insurance companies allow you one accident before raising your premiums if your claims history is clear for a set time period.
  • Homeowners Pay Less – Being a homeowner may trigger a car insurance policy discount due to the fact that maintaining a home shows financial diligence.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts up to 30%.
  • Student Driver Training – Have your child complete a driver education course if offered at their school.

As a disclaimer on discounts, most discounts do not apply to the entire cost. A few only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like you can get free auto insurance, it doesn’t quite work that way. Any qualifying discounts will help reduce your premiums.

For a list of companies who offer car insurance discounts in Indiana, click here.

Additional information is located on the Indiana Department of Insurance website through this link. Consumers can view agent and company licensing information, read state legal mandates and laws, learn about insurance regulations, and report car insurance fraud.

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Additional helpful sites include this link for Indiana car insurance quotes and this list of insurance agents in South Bend, IN.

Final thoughts

Low-cost car insurance can be sourced from both online companies and with local South Bend insurance agents, so you should compare both to have the best chance of lowering rates. A few companies do not offer the ability to get a quote online and these small, regional companies work with independent agents.

Drivers leave their current company for many reasons like an unsatisfactory settlement offer, policy cancellation, delays in paying claims or high rates after DUI convictions. No matter why you want to switch, choosing a new company can be easier than you think.

While you’re price shopping online, don’t be tempted to buy poor coverage just to save money. In many instances, someone dropped liability limits or collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to find the BEST coverage at a price you can afford while not skimping on critical coverages.