If you are new to online price comparisons, you may be overwhelmed by the vast number insurance agents and companies vying for business in Schererville.
It’s a good habit to compare premium rates as often as possible because auto insurance prices change quite often. Even if you got the best price a few years ago you will most likely find a better rate today. Don’t believe everything you read about auto insurance on the web, but in this article, you’re going to get a bunch of ideas how to quit paying high auto insurance rates.
The purpose of this article is to help educate you on the best way to quote coverages and some money-saving tips. If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using this information. But Indiana consumers need to have an understanding of the methods companies use to sell online.
Components of your car insurance rates
An important part of buying insurance is that you know some of the factors that come into play when calculating the level of your policy premiums. When consumers understand what controls the rates you pay, this allows you to make good choices that could help you find better auto insurance rates. Multiple criteria are part of the equation when quoting car insurance. A few of the factors are predictable such as your driving record, although others are more obscure like where you live or how financially stable you are.
The list below includes just a few of the factors companies use to determine prices.
- Lower stress equals lower premiums – Occupational choices like lawyersairline pilots and financial analysts usually pay higher rates than average in part from intense work requirements and long work hours. On the other hand, occupations like actors, historians and the unemployed generally pay rates lower than average.
- Big city or small town – Residing in less populated areas of the country is a good thing when buying auto insurance. People in densly populated areas have to deal with much more traffic and more severe claims. Fewer drivers and short commutes means a lower chance of having an accident and a lower car theft rate.
- Lower rates for married couples – Walking down the aisle helps lower the price on your auto insurance policy. Having a spouse is viewed as being more financially stable it has been statistically shown that married drivers get in fewer accidents.
- Save money by eliminating extra coverages – Policies have add-on coverages that you can get tricked into buying if you aren’t careful. Insurance for things like replacement cost coverage, high-cost glass coverage, and term life insurance are examples of these. You may think they are a good idea when deciding what coverages you need, but if you’ve never needed them in the past think about removing them and cutting costs.
- Continuous coverage lowers rates – Driving your car without having proper coverage is illegal and auto insurance companies will penalize you for letting your coverage have a gap. And not only will insurance be more expensive, getting caught without coverage will get you fines and jail time. You may need to provide proof of insurance in the form of an SR-22 filing with the Indiana department of motor vehicles.
- Qualify for multi-policy discounts – Lots of auto insurance companies will give a discount to customers who consolidate policies with them such as combining an auto and homeowners policy. Discounts can amount to anywhere from five to ten percent in most cases. Even with this discount, you still need to shop around to help ensure you have the lowest rates.
- Lower rates for safer cars – Vehicles that have high safety ratings tend to have lower insurance rates. Vehicles engineered for safety reduce occupant injuries and lower rates of occupant injuries translates into fewer and smaller insurance claims and lower rates for you.
- Insurance rates and driver gender – Over the last 30 years, statistics show that females tend to be a little less risky than males. The data does not necessarily mean that women are BETTER drivers than men. Women and men are in accidents at a similar rate, but males cause more damage and cost insurance companies more money. In addition to higher claims, males also get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly.
How much does auto insurance in Schererville, Indiana cost?
Most companies make it easy to get insurance quotes from their websites. Getting prices online is very simple as you simply enter into a form. Behind the scenes, the system orders your credit score and driving record and generates pricing information based on the information you submitted.
Online quotes makes comparing rates easy, but the time it takes to visit multiple sites and type in the same information is a big time waster. But it’s very important to compare as many rates as possible if you want to find the best price possible.
An easier way to find better auto insurance pricing requires only one form that gets price quotes from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes comparison shopping much simpler. After sending your information, it is rated and you can select any or none of the returned quotes.
If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. The whole process only takes a few minutes and you will find out if you’re overpaying now.
In order to compare rates now, click here and complete the simple form. If you have a policy now, it’s recommended you copy the insurance coverages as shown on your current policy. This makes sure you’re receiving comparison quotes based on identical coverages.
Get lower-cost rates by taking advantage of discounts
Some insurers don’t necessarily list every policy discount in an easy-to-find place, so the next list breaks down some of the best known as well as some of the hidden savings tricks you should be using when you .
- Savings for New Vehicles – Buying a new car instead of a used car can save you some money due to better safety requirements for newer models.
- Discounts for Government Workers – Simply working for the federal government can earn a discount up to 10% but check with your company.
- Paper-free Discount – Many larger companies give back up to $50 on your computer.
- Discount for Good Grades – Excelling in school may save as much as 25% on a . Earning this discount can benefit you up to age 25.
- Professional Memberships – Being in a civic or occupational organization in Schererville can get you a small discount on your policy.
Consumers should know that many deductions do not apply the the whole policy. A few only apply to the price of certain insurance coverages like comp or med pay. If you do the math and it seems like all those discounts means the company will pay you, it doesn’t quite work that way. Any qualifying discounts will lower your auto insurance premiums.
A list of companies and a summarized list of policyholder discounts are:
- State Farm offers discounts including anti-theft, defensive driving training, multiple autos, safe vehicle, and student away at school.
- Esurance has discounts for homeowner, anti-theft, renters, multi-policy, DriveSense, and good driver.
- Progressive offers discounts for online quote discount, homeowner, multi-vehicle, good student, online signing, and multi-policy.
- Liberty Mutual may offer discounts for new vehicle discount, new graduate, newly married, teen driver discount, exclusive group savings, hybrid vehicle, and newly retired.
- Auto-Owners Insurance discounts include safe vehicle, multi-policy, student away at school, teen driver, safe driver, anti-theft, and anti-lock brakes.
- Geico includes discounts for daytime running lights, anti-theft, emergency military deployment, military active duty, anti-lock brakes, and multi-policy.
If you need , ask every prospective company which discounts you may be entitled to. Savings might not be available to policyholders in every state. To find auto insurance companies that have a full spectrum of discounts in Schererville, click this link.
Compare rates but buy from a neighborhood Schererville auto insurance agent
A lot of people prefer to sit down with an agent and there is nothing wrong with that. One of the benefits of comparing auto insurance online is that you can obtain lower rates but also keep your business local. Putting coverage with local agencies is definitely important in Schererville.
After completing this short form, your insurance data gets sent to local insurance agents who will give competitive quotes to get your business. It’s much easier because you don’t need to visit any agencies as quotes are delivered directly to you. You can find better rates without requiring a lot of work. If you want to compare rates from a specific insurance company, you would need to jump over to their website and complete a quote there.
If you need to find a reputable agency, it can be helpful to understand the types of insurance agents and how they are distinctly different. Schererville agents are either independent (non-captive) or captive.
Independent Auto Insurance Agents (or Brokers)
Agents of this type are not required to write business for one company and that is an advantage because they can write policies with many different companies depending on which coverage is best. To transfer your coverage to a different company, the business is moved internally and you don’t have to find a new agent.
If you are trying to find cheaper rates, you absolutely need to include rate quotes from multiple independent agents for maximum quote selection. Many can place coverage with mutual insurance companies which can save you money.
Shown below are independent insurance agencies in Schererville that can give you free auto insurance rate quotes.
- Lincolnway Insurance – 140 E Us Highway 30 – Schererville, IN 46375 – (219) 865-2227
- HIA Insurance – 222 Us Highway 41 # 203 – Schererville, IN 46375 – (219) 865-1777
Captive Insurance Agents
Captive agents have only one company to place business with such as State Farm, Allstate and AAA. They usually cannot place coverage with different providers so keep that in mind. They receive extensive training on sales techniques which helps them sell insurance even at higher premiums. Many people choose to use a captive agent primarily because of the prominence of the brand and the convenience of having a single billing for all their coverages.
Below is a short list of captive insurance agents in Schererville willing to provide price quotes.
- Farm Bureau Insurance – 2145 Us Highway 41 – Schererville, IN 46375 – (219) 322-5739
- State Farm Insurance – 222 Us Highway 41 # 103 – Schererville, IN 46375 – (219) 865-6034
- Allstate Insurance – 1112 Us Highway 41 # 104 – Schererville, IN 46375 – (219) 865-9443
- American Family Insurance – 7727 W 75th Ave # 1b – Schererville, IN 46375 – (219) 865-6350
To choose from agents near you, link to this full listing of Schererville, IN auto insurance agencies.
Choosing a insurance agent requires more thought than just a cheap quote. Here are some questions you might want to ask.
- What is the agency’s Better Business Bureau rating?
- Will they give you a referral list?
- Is the agency involved in supporting local community causes?
- If they are an independent agency, which companies do they recommend?
- Are there any discounts for paying up front?
- Do the agents have professional certifications like CPCU or CIC?
After receiving reasonable responses to all your questions as well as quotes, you may have found an insurance agent that is reliable enough to insure your vehicles.
Much more information about auto insurance in Indiana is located on the . Click here for link. Visitors are able to read industry bulletins, find disaster information, and file complaints about a company.
Final thoughts
Insureds leave their current company for many reasons like not issuing a premium refund, policy non-renewal, high prices or even questionable increases in premium. Regardless of your reason for switching companies, choosing a new company can be pretty painless.
A few companies do not offer the ability to get a quote online and many times these small, regional companies prefer to sell through independent insurance agents. Budget-conscious auto insurance can be sourced both online in addition to many Schererville insurance agents, and you should compare rates from both to have the best rate selection.
Throughout this article, we presented quite a bit of information on how to reduce auto insurance premium rates online. The key thing to remember is the more quotes you get, the better your chances of lowering your prices. You may be surprised to find that the lowest premium rates come from some of the smallest insurance companies.