How to Know You're Wasting Money for Car Insurance in Culver

Did you fall for a flashy sales pitch and buy overpriced car insurance? Believe me when I say you're not alone.

Drivers have so many to buy insurance from, and though it is a good thing to have a choice, too many choices makes it more difficult to compare rates.

These discounts can lower your rates

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that can drop the cost substantially. Most are applied at the time you complete a quote, but a few need to be asked about prior to getting the savings.

  • Claim Free - Drivers with accident-free driving histories can save substantially when compared to frequent claim filers.
  • Club Memberships - Being a member of a qualifying organization is a good way to get lower rates when shopping for car insurance.
  • Federal Government Employee - Simply working for the federal government could cut as much as 10% off with a few car insurance companies.
  • Distant Student - Kids in college who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
  • Senior Citizens - Older drivers can possibly qualify for a small decrease in premiums.
  • Low Mileage Discounts - Keeping the miles down can earn discounted rates on garaged vehicles.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Most only apply to specific coverage prices like comp or med pay. Just because it seems like all the discounts add up to a free policy, car insurance companies aren't that generous. Any amount of discount will bring down the cost of coverage.

For a list of insurance companies with the best car insurance discounts in Indiana, click here to view.

How to Compare Car Insurance in Culver, Indiana

Most major insurance companies like Progressive, Allstate and GEICO provide price estimates on their websites. Obtaining pricing is quite simple as you simply type in the coverages you want as detailed in the form. Once entered, the system will obtain your driving and credit reports and returns a price quote based on many factors. Being able to quote online streamlines rate comparisons, but the process of having to visit different websites and type in the same information is monotonous and tiresome. But it's very important to get many rate quotes if you want to find better car insurance pricing.

A more efficient way to lower your rates makes use of a single form to obtain quotes from several different companies. The form is fast, eliminates repetitive work, and makes rate comparisons much more enjoyable. Immediately after you send the form, it gets priced and you are able to buy any one of the quotes that you receive.

If you find a better price you can click and sign and buy the new coverage. The whole process takes 15 minutes at the most and you'll know if lower rates are available.

In order to find out what other companies charge, click here to open in new window and enter your vehicle and coverage information. If you currently have coverage, we recommend you input the insurance coverages identical to your current policy. This helps ensure you will have a price comparison based on identical coverages.

Do the work, save more money

Cheap car insurance is definitely available both online as well as from independent agents in Culver, and you need to comparison shop both to have the best rate selection. Some car insurance companies don't offer online quoting and these regional insurance providers work with independent agents.

As you go through the steps to switch your coverage, it's very important that you do not sacrifice coverage to reduce premiums. There are too many instances where someone sacrificed physical damage coverage only to regret at claim time that the savings was not a smart move. Your strategy should be to buy a smart amount of coverage at the best price while still protecting your assets.