Proven Techniques for Finding Low-Cost Evansville Auto Insurance

If you’re new to shopping for auto insurance online, you may be confused because of the huge number of online companies competing for business in Evansville.

It’s important to take a look at other company’s rates before your policy renews because insurance rates trend upward over time. Just because you found the best price six months ago a different company probably has better rates today. So forget anything you know (or think you know) about auto insurance because you’re going to get a crash course in the best methods to lower your annual insurance bill.

If you have a policy now or are just looking to switch companies, you will benefit by learning to find the best rates and possibly find even better coverage. Locating affordable auto insurance coverage in Evansville is quite easy. Indiana drivers just need to know the most efficient way to find the lowest price online.

Compare Auto Insurance Today

Most major insurance companies such as Progressive, GEICO, Allstate and State Farm give price estimates directly from their websites. The process is fairly straightforward as you simply enter your required coverages as detailed in the form. Upon sending the form, the company’s rating system obtains your driving record and credit report and returns pricing information based on many factors.

Online quotes streamlines rate comparisons, but the work required to visit many different websites and fill out multiple forms is monotonous and tiresome. But it’s absolutely necessary to do this if you are searching for a better rate.

Rate comparisons made easy

A quicker way to locate the lowest prices is to use a quote form that analyzes rates from a bunch of companies at once. This type of form saves time, helps eliminate reptitive entry, and makes rate comparisons much simpler. Immediately after you send the form, it is quoted and you can select any of the resulting price quotes. If the quotes result in lower rates, you can simply submit the application and buy the policy. It just takes a couple of minutes and you’ll know if lower rates are available.

In order to fill out one form to compare multiple rates now, click here to open in a new tab and enter your information. To compare your current rates, we recommend you replicate your coverages exactly as shown on your declarations page. This ensures you will get rate quotes based on the exact same insurance coverage.

Don’t pay full price with these discounts

Car insurance companies don’t always list every discount in an easy-to-find place, so the following is a list of both the well known and also the lesser-known discounts you could be receiving. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

• Own a Home – Being a homeowner can help you save on auto insurance due to the fact that maintaining a home requires personal responsibility.
• Accident Forgiveness – A few companies will forgive one accident without raising rates if your claims history is clear for a particular time prior to the accident.
• Sign Online – A few companies may give you up to $50 just for signing your application digitally online.
• 55 and Retired – If you’re over the age of 55, you may receive a discount up to 10%.
• Passive Restraints – Vehicles with factory air bags or motorized seat belts can receive discounts of more than 20%.
• Payment Discounts – If paying your policy premium upfront rather than paying monthly you could save 5% or more.
• Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% depending on your company.

It’s important to note that most of the big mark downs will not be given the the whole policy. Some only apply to the price of certain insurance coverages like liability and collision coverage. So when it seems like all those discounts means the company will pay you, auto insurance companies aren’t that generous.

How to Lower your Auto Insurance Rates

An important part of buying insurance is that you know some of the elements that go into determining your auto insurance rates. Knowing what determines base rates allows you to make educated decisions that can help you get lower auto insurance prices.

• Too many auto insurance claims drive up costs – Companies in Indiana give cheaper rates to policyholders who do not rely on their insurance for small claims. If you tend to file frequent claims, you can look forward to higher rates. Auto insurance is intended to be relied upon for larger claims.
• Liability coverage is cheap – Liability coverage provides coverage if a court rules you are at fault for damages from an accident. It will provide legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not skimp.
• Do you have a high stress job? – Did you know your occupation can influence how much you pay for auto insurance? Careers like lawyers, executives and dentists tend to have the highest average rates because of stressful work requirements and long work days. Other occupations such as actors, historians and performers receive lower rates.
• Performance influences rates – The performance level of the vehicle you drive makes a substantial difference in how high your rates are. The most favorable rates tend to be for low performance passenger vehicles, but there are many factors that impact the final cost.

Summing up your auto insurance search

Cheap auto insurance is available from both online companies in addition to many Evansville insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies do not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

While you’re price shopping online, never skimp on critical coverages to save a buck or two. In many cases, an insured cut liability limits or collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

Throughout this article, we presented a lot of tips how to shop for auto insurance online. It’s most important to understand that the more times you quote, the better your chances of lowering your rates. You may be surprised to find that the lowest premiums are with some of the smallest insurance companies.

Additional Indiana car insurance resources

Even more information can be found at the Indiana Department of Insurance website. Visitors are able to read industry bulletins, file complaints about a company, file complaints about an insurance agent or broker, and report car insurance fraud.