Are you sick and tired of scraping the payment together each month for car insurance? You are in the same boat as the majority of other car owners in Indiana. Many insurance companies compete for your business, so it can be very hard to choose a insurer and get the definite best price available.
Reducing your insurance rates is a fairly straight forward process. You just have to take time comparing price quotes provided by online insurance companies. This can be accomplished in a couple of different ways.
For a handy list of car insurance company links in Columbus, click here.
It doesn’t matter which method you choose, just double check that you are using exactly the same coverages and limits with each company. If your comparisons have differing limits you can’t possibly make an equal comparison in Columbus.
Companies offering auto insurance do not advertise all their discounts in an easy-to-find place, so we took the time to find some of the more common as well as the least known auto insurance savings. If they aren’t giving you every credit you deserve, you are paying more than you should be.
Consumers should know that many deductions do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, you’re out of luck.
To see a list of insurance companies who offer auto insurance discounts in Indiana, follow this link.
Smart consumers have a good feel for the rating factors that come into play when calculating your auto insurance rates. Having a good understanding of what influences your rates allows you to make educated decisions that can help you get much lower annual insurance costs.
The list below includes a partial list of the pieces companies use to determine your rates.
A small number of people prefer to visit with an insurance agent and that is a personal choice. Licensed agents are trained to spot inefficiencies and help you file claims. One of the best bonuses of comparing rates online is the fact that you can find better rates but still work with a licensed agent.
After completing this form (opens in new window), your insurance data is emailed to participating agents in Columbus who will battle for your coverage. There is no reason to visit any agencies since price quotes are sent immediately to your email address. Now that’s easy!
Choosing an insurer needs to be determined by more than just the premium amount. These are valid questions to ask:
When looking for a reputable insurance agent or broker, you must know there are a couple different types of agents to choose from. Insurance agencies in Columbus are categorized either independent or captive. Both types can do a good job, but it’s worth mentioning the difference between them since it may influence buying decisions.
These agents have only one company to place business with and some examples include Allstate, Farmers Insurance, State Farm and AAA. They usually cannot provide prices from multiple companies so they have to upsell other benefits. They receive extensive training on their company’s products and that can be a competitive advantage.
The following are Columbus captive agencies that can give you price quote information.
State Farm Insurance – 1006 25th St – Columbus, IN 47201 – (812) 378-1980
Shelter Insurance – 1122 25th St – Columbus, IN 47201 – (812) 376-9900
American Family Insurance – 3183 Sycamore Ct – Columbus, IN 47203 – (812) 379-1155
Allstate Insurance – 333 8th St # 2 – Columbus, IN 47201 – (812) 378-0120
Farm Bureau Insurance – 221 Chestnut St – Columbus, IN 47201 – (812) 372-4483
Independent agencies do not work for one specific company so they have the ability to put coverage with lots of companies depending on which coverage is best. To move your coverage to a new company, the business is moved internally without you having to go to a different agency. When comparison shopping, you should always include at a minimum one independent agency for the best price selection.
The following are independent insurance agencies in Columbus who can help you get price quotes.
Cave Insurance – 3901 Williamsburg Way – Columbus, IN 47203 – (812) 378-5781
Cousins Insurance – 37 Washington St – Columbus, IN 47201 – (812) 372-1231
For a complete listing of licensed insurance agents in Columbus, go to this page.
Upon getting satisfactory answers to these questions as well as a affordable price, chances are good that you have found an auto insurance agent that is a good match to adequately provide auto insurance.
Even more information is located at the Indiana Department of Insurance website. Consumers can learn about specific coverages, read state legal mandates and laws, and read industry bulletins.
More related Columbus auto insurance information:
Discount auto insurance is definitely available on the web in addition to many Columbus insurance agents, so you should compare both to have the best chance of lowering rates. Some insurance companies do not provide online quoting and these small insurance companies work with independent agents.
We’ve covered some good ideas how you can shop for auto insurance online. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. You may be surprised to find that the best prices are with a small mutual company. Regional companies often have lower prices on specific markets as compared to the big name companies such as GEICO and State Farm.