Easy Tips to Cut Costs on Guilford Car Insurance

Consumers not familiar with shopping for insurance online may find purchasing the cheapest Guilford car insurance is not as easy as it seems.

If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these techniques. The purpose of this post is to introduce you to the most effective way to quote insurance and some money-saving tips. But Indiana car owners do need to know how companies market insurance on the web.

More discounts equal less premium

Insurance can cost an arm and a leg, buy you may qualify for discounts to help bring down the price. Some trigger automatically at the time of quoting, but some may not be applied and must be inquired about before you will receive the discount.

Multiple Cars - Having all your vehicles on one policy could earn a price break for each car.
Theft Prevention System - Anti-theft and alarm systems can help prevent theft and qualify for as much as a 10% discount.
Fewer Miles Equal More Savings - Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
Safety Course Discount - Taking part in a driver safety course can save you 5% or more depending on where you live.
Air Bag Discount - Vehicles equipped with air bags or motorized seat belts can get savings of more than 20%.
Homeowners Savings - Owning a home in Guilford may trigger a car insurance policy discount because maintaining a house demonstrates responsibility.
Club Memberships - Belonging to certain professional organizations could qualify you for a break when buying car insurance.
Claim Free - Good drivers with no accidents pay less when compared with frequent claim filers.
Discount for Life Insurance - Select insurance companies reward you with lower rates if you buy auto and life insurance together.

Consumers should know that most credits do not apply to your bottom line cost. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, companies don't profit that way. But all discounts will cut your premiums.

For a list of insurers with discount car insurance rates in Guilford, follow this link.

Finding Car Insurance Deals in Guilford, IN

Most major insurance companies such as Allstate, GEICO and Progressive give coverage price quotes on the web. The process is fairly simple as you just enter your coverage preferences into the quote form. Once entered, their rating system will obtain information on your driving record and credit history and generates pricing information based on these and other factors.

Online price quotes streamlines rate comparisons, but the time it takes to visit many different websites and enter the same data into a form is not the best way to spend an afternoon. Unfortunately, it is important to have as many quotes as possible in order to get a lower rate.

A more efficient way to get multiple rate quotes utilizes a single form to get prices from a bunch of companies at once. It's a real time-saver, requires much less work on your part, and makes online shopping much more enjoyable and efficient. After sending your information, your coverage is rated with multiple companies and you can pick any of the quotes that you receive.

If the quotes result in lower rates, you simply finish the application and purchase coverage. This process can be completed in a matter of minutes and may result in a nice savings.

If you want to find out how much you're overpaying now, click here and fill out the form. If you have your current policy handy, we recommend you copy the limits and deductibles identical to your current policy. This helps ensure you will be getting rate quotes based on identical coverages.

It's not one size fits all

When it comes to choosing coverage for your vehicles, there is no best way to insure your cars. Everyone's needs are different.

Here are some questions about coverages that might point out if you would benefit from an agent's advice.

Am I covered when driving on a suspended license?
Does my personal auto insurance policy cover using my vehicle for business use?
Is my dog or cat covered if injured in an accident?
Should I have combined single limit or split liability limits?
Can I rate high risk drivers on liability-only vehicles?
Is my nanny covered when driving my vehicle?
When do I need to add a new car to my policy?

If you don't know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

The best insurance company isn't always the cheapest

Discount car insurance is attainable from both online companies as well as from independent agents in Guilford, so you should compare both to have the best chance of lowering rates. There are still a few companies who don't offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

When you buy insurance online, you should never sacrifice coverage to reduce premiums. In too many instances, an insured cut collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your focus should be to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

We just showed you a lot of tips how to get a better price on car insurance. It's most important to understand that the more rate comparisons you have, the better your chances of lowering your rates. Consumers may even find the most savings is with an unexpected company.