Proven Techniques for Buying Noblesville Indiana Car Insurance at a Discount

Comparison shopping for Noblesville car insurance is always difficult for people who are new to shopping for insurance online. There are so many options that it can turn into a lot of work to find lower rates in Noblesville.

Smart consumers take time to get comparison quotes periodically since insurance rates change quite often. Just because you had the best price two years ago you will most likely find a better rate today. Starting right now, block out anything you think you know about car insurance because you’re going to get a crash course in how to quote online to reduce your cost while increasing coverage.

Finding affordable coverage in Noblesville is easy if you know what you’re doing. In a nutshell, anyone who shops for car insurance will be able to find lower rates. But Indiana consumers need to have an understanding of how insurance companies market on the web and apply this information to your search.

More discounts equal less premium

Companies don’t necessarily list all their discounts in an easy-to-find place, so we researched some of the best known and also the lesser-known discounts you could be receiving.

  • Drive Safe and Save – Safe drivers may save up to 50% more than drivers with accident claims.
  • Accident Waiver – A few companies will allow you to have one accident before your rates go up as long as you don’t have any claims for a set time period.
  • Good Student Discount – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
  • Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.

Consumers should know that most discount credits are not given the the whole policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like it’s possible to get free car insurance, it just doesn’t work that way.

To choose insurers offering car insurance discounts in Noblesville, follow this link.

But don’t I need an insurance agent?

Certain consumers would prefer to buy from a licensed agent and that is a personal choice. One of the great benefits of comparing rates online is you can get lower rates and still have an agent to talk to.

After completing this short form, your insurance coverage information is emailed to local insurance agents in Noblesville who will return price quotes for your coverage. There is no need to even leave your home because quoted prices will be sent immediately to your email address. Now that’s easy! You can find better rates and an insurance agent to talk to.

Deciding on an insurance company shouldn’t rely on just the premium amount. These questions are important to ask:save money in Noblesville Indiana

  • Do they feel the quoted coverages are adequate?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Does the agency provide any after hours assistance?
  • Are they full-time agents?
  • Do they carry Errors and Omissions coverage?

Choose an insurance agent wisely

When searching for a reliable agent, there are a couple of different types of agents that differ in how they can insure your vehicles. Insurance agencies in Noblesville are classified as either captive or independent (non-captive).

Captive Agents

These agents are contracted to one company like State Farm, AAA and Liberty Mutual. They generally cannot give you multiple price quotes so it’s a take it or leave it situation. Captive agencies are trained well on their products and sales techniques which can be an advantage. Consumers often buy from captive agents primarily because of the brand legacy and the convenience of having a single billing for all their coverages.

Shown below is a short list of captive insurance agents in Noblesville that can give you price quote information.

  • State Farm Insurance – 51 N 10th St – Noblesville, IN 46060 – (317) 773-5830
  • Farmers Insurance Group – 1051 N 10th St – Noblesville, IN 46060 – (317) 773-9008
  • Allstate Insurance – 15532 Herriman Blvd – Noblesville, IN 46060 – (317) 773-0987
  • Farm Bureau Insurance – 1805 S 10th St – Noblesville, IN 46060 – (317) 773-2431
Independent Agencies or Brokers

Independent agents are not locked into one company but instead can place your coverage amongst many companies depending on which coverage is best. To move your coverage to a new company, they simply move the coverage in-house and you won’t have to switch agencies. When shopping rates, it’s recommended you get quotes from several independent insurance agents to have the most options to choose from. Many write coverage with different regional companies who may have lower rates.

The following is a list of independent agents in Noblesville that can give you rate quotes.

  • Nick Weybright Agency – 817 Conner St – Noblesville, IN 46060 – (317) 773-7000
  • Martin and Martin Insurance – 927 Logan St – Noblesville, IN 46060 – (317) 773-3743
  • Charles L Howard Insurance – 1250 Conner St # 101 – Noblesville, IN 46060 – (317) 773-0100
  • Accredited Agency Farmers Ins – 14701 Cumberland Rd # 108 – Noblesville, IN 46060 – (317) 776-4095

For a complete listing of licensed insurance agents in Noblesville, go to this page.

Once you have received answers to your satisfaction for all questions you ask and a low price estimate, you’ve probably found an insurance agent that meets your needs to properly service your car insurance policy.

Switch companies and save? Really?

Progressive, GEICO, Allstate and State Farm regularly use ads in print and on television. All the companies say the same thing that you’ll save big if you move to them. How does each company claim to save you money? It’s all in the numbers.

Different companies have a preferred profile for the type of driver that is profitable for them. A good example of a profitable customer might be profiled as over the age of 40, owns a home, and drives less than 7,500 miles a year. Any new insured who matches those parameters is entitled to the best price and therefore will cut their rates substantially.

lower rates in Noblesville IN

Potential customers who don’t meet this ideal profile will be quoted higher premiums which leads to business not being written. The ads say “customers that switch” not “everybody who quotes” save that much money. This is how insurance companies can advertise the savings. This emphasizes why you should quote coverage with many companies. It’s not possible to predict which car insurance company will give you the biggest savings.

More detailed Indiana car insurance information can be read at the Indiana Department of Insurance website. Indiana drivers can report car insurance fraud, get help finding coverage, and file complaints about an insurance agent or broker.

Final thoughts

Consumers switch companies for many reasons like poor customer service, lack of trust in their agent, delays in responding to claim requests or even delays in paying claims. It doesn’t matter what your reason, finding a new company is pretty easy and you might even save some money in the process.

As you go through the steps to switch your coverage, make sure you don’t skimp on coverage in order to save money. There have been many situations where consumers will sacrifice collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your focus should be to get the best coverage possible at a price you can afford while still protecting your assets.

In this article, we covered quite a bit of information on how to lower your car insurance rates. The key concept to understand is the more providers you compare, the higher your chance of finding lower rates. Drivers may discover the lowest priced car insurance comes from an unexpected company.