Never Quote Muncie Indiana Car Insurance Without Knowing These Money Saving Methods

Tired of robbing Peter to pay Paul to insure your vehicles every month? Your situation is no different than the majority of other car owners in Indiana. With so many insurance providers from which to choose, it can be challenging to pick the lowest price insurer.

Finding the best rates in Muncie is not that difficult. If you have a policy now or need a new policy, you can use these techniques to reduce the price you pay and possibly find even better coverage. Indiana consumers just need to learn the most effective way to shop on the web.

Smart Buyers can Save Money

Consumers need to have an understanding of some of the elements that play a part in calculating the price you pay for car insurance. Understanding what determines base rates empowers consumers to make smart changes that could result in better car insurance rates.

  • The more you drive the more you pay – The more you drive in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies charge to insure your cars based upon how you use the vehicle. Vehicles that are left in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Verify your car insurance policy properly reflects the correct driver usage, because it can save money.
  • Frequent car insurance claims increase rates – Companies in Indiana generally give better rates to drivers who file claims infrequently. If you tend to file frequent claims, you can pretty much guarantee either higher rates or even cancellation. Car insurance is intended to be relied upon for larger claims.
  • Lower rates with optional equipment – Driving a car with an alarm system can help lower your rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft.
  • Having a spouse can save you money – Getting married can get you a discount when buying car insurance. It usually means you are more mature and responsible it has been statistically shown that married drivers get in fewer accidents.
  • Never let your coverage lapse – Allowing your car insurance policy to lapse is a fast way to trigger a rate increase. And not only will your rates increase, but not being able to provide proof of insurance will get you a hefty fine and possibly a revoked license.You may then be required to file a SR-22 with the Indiana motor vehicle department.
  • Are you male or female? – The statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. They both have accidents in similar percentages, but the males cause more damage. They also get cited for more serious violations such as DWI and reckless driving. Young males are several times more likely to be in an accident and are penalized with high car insurance rates.
  • Your car insurance rates can be influenced by your job – Did you know your job can affect your rates? Jobs such as real estate brokers, architects and financial analysts have higher average rates due to job stress and long work hours. Conversely, occupations such as actors, engineers and performers get better rates.
  • Performance influences rates – The performance of the vehicle you own makes a huge difference in the rate you pay. The most favorable rates are generally reserved for lower performance four cylinder passenger cars, but the cost you end up paying is determined by many additional factors.

How to Buy Muncie Car Insurance Online

All major car insurance companies like Progressive, GEICO, Allstate and State Farm allow you to get price estimates directly from their websites. The process is quite simple as you just type in the coverage amounts you desire as detailed in the form. After the form is submitted, the system requests your driving and credit reports and returns pricing information. Online quotes streamlines rate comparisons, but the work required to visit multiple sites and complete many quote forms is not the best way to spend an afternoon. But it is imperative to compare as many rates as possible in order to get the best price possible.

Compare rates the easy way

A less time-consuming method to find lower prices is to use a quote form that analyzes rates from more than one company. It saves time, reduces the work, and makes comparison shopping much more enjoyable and efficient. Immediately after submitting the form, your coverage is rated and you can select your choice of the quote results. If you find a better price you simply finish the application and purchase coverage. The whole process takes just a few minutes to complete and could lower your rates considerably.

To quickly get comparison pricing now, simply click here to open in new window and complete the simple form. To compare your current rates, we recommend you complete the form with the limits and deductibles as close as possible to your current policy. This ensures you will receive an apples-to-apples comparison for similar coverage.Muncie car insurance prices

Save $455 a year? Really?

Consumers in Indiana can’t ignore all the ads for car insurance savings from companies such as Progressive, GEICO, Allstate and State Farm. They all make an identical promise about savings after switching your policy.

How does each company claim to save you money?

All companies have a preferred profile for the type of driver that is profitable for them. For example, a preferred risk could be between 25 and 40, is a homeowner, and drives less than 7,500 miles a year. A propective insured that hits that “sweet spot” gets the lowest rates and as a result will probably pay quite a bit less when switching companies.

Consumers who don’t measure up to the “perfect” profile must pay a higher premium which usually ends up with the driver buying from a lower-cost company. The ads state “people who switch” not “everyone that quotes” save that much money. That is how insurance companies can confidently advertise the way they do. This illustrates why you should get as many quotes as possible. It is impossible to predict which car insurance company will fit your personal profile best.

Save money by taking advantage of these discounts

Companies that sell car insurance don’t always advertise every available discount in an easy-to-find place, so here is a list some of the best known and also the lesser-known ways to save on car insurance. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Federal Employees – Active or retired federal employment can earn a discount up to 10% with certain companies.
  • Discount for Good Grades – Getting good grades can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • Paperwork-free – Certain companies give back up to $50 just for signing your application over the internet.
  • Military Discounts – Being deployed with a military unit can result in better rates.
  • Low Mileage Discounts – Fewer annual miles can qualify you for lower rates on the low mileage vehicles.
  • Drivers Ed for Students – Have your child complete a driver education course if offered at their school.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
  • Life Insurance – Select insurance companies reward you with lower rates if you buy life insurance.

Drivers should understand that some of the credits will not apply to the overall cost of the policy. A few only apply to individual premiums such as medical payments or collision. Even though it may seem like all the discounts add up to a free policy, companies wouldn’t make money that way.

To see a list of insurance companies with the best car insurance discounts in Muncie, click here to view.

Indiana insurance ad

Additional detailed information is located at the Indiana Department of Insurance website. Visitors are able to find disaster information, view a list of available companies, and read industry bulletins.

And the best car insurance company is…

Discount car insurance is attainable online and also from your neighborhood Muncie agents, and you need to price shop both to have the best selection. There are still a few companies who may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

You just learned a lot of information how to reduce car insurance prices online. The key thing to remember is the more times you quote, the better your chances of lowering your rates. Drivers may discover the most savings is with an unexpected company. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as State Farm and Allstate.