Find the Secrets to Saving Money on Lafayette Indiana Car Insurance
Are you overwhelmed by the wide range of car insurance companies in Lafayette? You have a lot of company. People have so many options available that it can turn into a lot of work to compare prices.
You should take the time to price shop coverage once or twice a year since insurance rates change quite often. Despite the fact that you may have had the lowest price last year a different company probably has better rates today. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to how to quote online to properly buy coverages while reducing your premium.
How to Get Car Insurance in Lafayette
All major car insurance companies such as State Farm and Allstate provide prices online. This process doesn’t take a lot of time as you just enter the coverage amounts you desire as requested by the quote form. When complete, the system pulls information on your driving record and credit history and gives you a price quote determined by many factors.
This makes it a lot easier to compare rates but having to visit several different sites and enter the same data into a form is not the best way to spend an afternoon. But it is imperative to get many rate quotes in order to find lower prices.
There is an easier way!
The quickest way to find lower prices requires only one form to get prices from multiple companies. The form is fast, reduces the work, and makes quoting online much simpler. After your information is entered, your coverage is rated and you are able to buy any or none of the pricing results.
If a lower price is quoted, you can click and sign and buy the policy. The whole process just takes a couple of minutes and could lower your rates considerably.
To save time and find out what other companies charge, click here to open in new window and input your coverage information. If you have a policy now, it’s recommended you input the insurance coverages identical to your current policy. This way, you will receive rate comparison quotes for similar coverage.
Don’t miss these discounts
The cost of insuring your cars can be expensive, but companies offer discounts to cut the cost considerably. Certain discounts will be triggered automatically when you complete an application, but lesser-known reductions have to be inquired about prior to receiving the credit.
- Discount for New Cars – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
- Senior Citizens – Mature drivers can possibly qualify for better car insurance rates.
- Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
- Discount for Swiching Early – A few companies offer discounts for signing up before your current policy expires. The savings is around 10%.
- Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
- Student in College – Any of your kids who live away from home and don’t have a car may qualify for this discount.
- Multi-policy Discount – When you combine your home and auto insurance with the same insurance company you could get a discount of approximately 10% to 15%.
- E-sign – Some insurance companies will give a small break simply for signing digitally online.
Drivers should understand that most of the big mark downs will not be given to the entire policy premium. Most cut the price of certain insurance coverages like comp or med pay. Just because you may think it’s possible to get free car insurance, car insurance companies aren’t that generous. But all discounts will help reduce the cost of coverage.
More Indiana car insurance resources
More information can be found on the Indiana Department of Insurance website through this link. Visitors are able to read enforcement actions against agents and companies, view a list of available companies, and discover disciplinary actions.
The following information may also be useful.