Auto Insurance in Anderson – 8 Discounts Drivers are Losing Out On

Finding affordable Anderson auto insurance on the web can seem to be rather challenging for consumers new to buying insurance online. With a ridiculous number of insurers available, how can Anderson drivers possibly compare them all to find the cheapest rates?

If you are insured now or need a new policy, you can use these techniques to find the best rates while maximizing coverage. This information will instruct you on how car insurance quotes work and some tricks to saving. Indiana drivers just need to understand the proper way to compare company rates online.

Vehicle Insurance Comparison

Getting a lower price on insurance can be surprisingly simple. You just need to spend a little time comparing rate quotes from different insurance companies. This can be done using a couple different methods.

  1. One of the best ways to get the best comparison quotes is a comparison rater form click to view form in new window. This form eliminates the need for separate quote forms for each company. One simple form will get you rate comparisons from multiple companies. Recommended for those who want to invest the least amount of time.
  2. A different way to compare prices requires you to visit the website of each company to complete their respective quote request forms. For examples sake, let’s say you want to compare rates from State Farm, Liberty Mutual and Progressive. To find out each rate you need to visit each site and enter your policy data, which is why most consumers use the first method. For a list of links to companies insuring cars in Anderson, click here.

It doesn’t matter which method you choose, just make darn sure you compare the exact same quote information for each price quote. If the quotes have mixed coverages it’s impossible to decipher which rate is best in Anderson.

Save big with these eight discounts

Car insurance can cost a lot, but companies offer discounts that you may not even be aware of. Certain discounts will be applied when you quote, but less common discounts must be specifically requested prior to getting the savings. If you don’t get every credit you qualify for, you are throwing money away.

  • Sign Early and Save – Some companies give discounts for switching policies before your current policy expires. It can save you around 10%.
  • Homeowners Discount – Owning a home in Anderson may earn you a small savings because maintaining a house is proof that your finances are in order.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
  • Discounts for Safe Drivers – Safe drivers can pay as much as 50% less than drivers with accident claims.
  • Discount for Good Grades – Getting good grades can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Club Memberships – Affiliation with a civic or occupational organization is a good way to get lower rates on auto insurance.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off your medical payments premium.

It’s important to note that some credits don’t apply to your bottom line cost. Most only apply to specific coverage prices like medical payments or collision. So when it seems like you could get a free auto insurance policy, companies wouldn’t make money that way. Any qualifying discounts will bring down your overall premium however.

But I don’t know anything about car insurance

When buying the best auto insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions may help highlight if your situation would benefit from professional advice.

  • Do I pay less if my vehicle is kept in my garage?
  • Are there companies who specialize in insuring high-risk drivers?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Will I be non-renewed for getting a DUI or other conviction?
  • If my vehicle is totaled, can I afford another vehicle?
  • Do I need PIP (personal injury protection) coverage in Indiana?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Auto insurance 101

Understanding the coverages of your auto insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.<img class="alignright" style="padding-top:15px" src="" alt="Anderson insurance quotes” />

Comprehensive protection – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like fire damage, hitting a bird, hail damage and theft. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage – This coverage pays for damage to your vehicle from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as colliding with a tree, crashing into a ditch and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage – This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your vehicle.

Due to the fact that many Indiana drivers have only the minimum liability required by law (Indiana limits are 25/50/10), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability coverages – Liability coverage provides protection from damages or injuries you inflict on people or other property in an accident. It protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as emergency aid, structural damage, loss of income and pain and suffering. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible. Indiana requires minimum liability limits of 25,000/50,000/10,000 but you should consider buying more coverage.

save money in Anderson IN

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like prosthetic devices, ambulance fees and nursing services. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

More information can be found on the Indiana Department of Insurance website through this link. Indiana consumers can file complaints about a company, find out which companies have the most complaints, and learn about insurance regulations.

Quote more, save more

Budget-conscious auto insurance can be purchased both online in addition to many Anderson insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies do not provide you the ability to get quotes online and these small, regional companies work with independent agents.

Drivers change insurance companies for many reasons like policy non-renewal, delays in paying claims, lack of trust in their agent and even poor customer service. No matter why you want to switch, finding a great new company is not as hard as you think.

We just showed you some good ideas how you can get a better price on auto insurance. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may be surprised to find that the best price on auto insurance is with a lesser-known regional company.