Mishawaka Indiana Auto Insurance For Less Than You’re Paying Now

Are you a victim of overpriced auto insurance? Believe me when I say you’re not the only one. Numerous car insurance companies battle for your business, and it can be difficult to compare rates and get the definite cheapest price

Cut your premium with discounts

The price of auto insurance can be rather high, but you can get discounts to cut the cost considerably. Certain discounts will be applied at quote time, but a few need to be specifically requested before being credited. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

• Bundle and Save – If you have multiple policies with the same insurance company you could get a discount of approximately 10% to 15%.
• 55 and Retired – If you qualify as a senior citizen, you may receive a small decrease in premiums.
• Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
• Driver Safety – Completing a course teaching defensive driving skills could save 5% or more if your company offers it.
• Homeowners Discount – Owning a home in Mishawaka may trigger a auto insurance policy discount because owning a home demonstrates responsibility.
• E-sign – A handful of insurance companies may give you up to $50 just for signing your application online.
• Memberships – Affiliation with a professional or civic organization is a good way to get lower rates when shopping for auto insurance.
• Early Switch Discount – Some companies give discounts for signing up prior to your current policy expiration. It’s a savings of about 10%.
• Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.

As a disclaimer on discounts, most discount credits are not given the the whole policy. Most only cut the price of certain insurance coverages like comp or med pay. So despite the fact that it appears you could get a free auto insurance policy, it just doesn’t work that way. Any qualifying discounts will cut the amount you have to pay.

What is the best insurance coverage?

When choosing the right insurance coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions might help in determining if your situation may require specific advice.

• Am I covered when driving in Canada or Mexico?
• Do no-fault laws apply in Indiana?
• Should I put collision coverage on all my vehicles?
• Are all vehicle passengers covered by medical payments coverage?
• What is the difference between comprehensive and collision coverage?
• Does my liability insurance cover pulling a trailer or camper?
• How do I file an SR-22 for a DUI in Indiana?
• What happens if I owe more than my vehicle is worth?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Additional reading for auto insurance information

Additional information is located on the website for the Indiana Department of Insurance through this link. Consumers can find disaster information, download brochures, and find a variety of consumer forms.

Additional helpful sites include this site for rates in Indiana and this list of insurance agents in Mishawaka, IN.

One last thing

Budget-conscious auto insurance can be sourced online as well as from independent agents in Mishawaka, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies don’t offer online price quotes and these regional insurance providers work with independent agents.

As you prepare to switch companies, don’t be tempted to skimp on critical coverages to save a buck or two. There are too many instances where consumers will sacrifice comprehensive coverage or liability limits only to regret at claim time that it was a big error on their part. Your focus should be to find the BEST coverage for the lowest price, not the least amount of coverage.