Top Ways to Save on Orland Car Insurance

Did you fall for a flashy sales pitch and buy high-priced car insurance? Trust us, there are a lot of people in Orland just like you who feel imprisoned by their car insurance policy.

Multiple compete for your insurance dollar, so it can be very hard to choose a to find the lowest price

It's important to compare prices at least once a year since rates are constantly changing. Just because you had the best deal a year ago the chances are good that you can find a lower rate today. So just block out anything you think you know about car insurance because we're going to show you the proper way to find lower rates on car insurance.

If you currently have a car insurance policy, you stand a good chance to be able to save some money using this information. Finding affordable coverage in Orland is not that difficult. Although Indiana car owners do need to know the way insurance companies sell insurance online and take advantage of how the system works.

How much can you save with discounts?

Companies that sell car insurance don't list all their discounts in an easy-to-find place, so here is a list some of the more common and the harder-to-find car insurance savings.

55 and Retired - Mature drivers may qualify for a small decrease in premiums.
Defensive Driver - Successfully completing a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
Discount for Good Grades - A discount for being a good student can earn a discount of 20% or more. The discount lasts until age 25.
Multi-car Discount - Buying insurance for more than one vehicle on the same car insurance policy qualifies for this discount.
Theft Prevention Discount - Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
Memberships - Belonging to certain professional organizations could qualify you for a break on car insurance.
Claim Free - Drivers with accident-free driving histories can earn big discounts as compared to bad drivers.

A little note about advertised discounts, most credits do not apply the the whole policy. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, you won't be that lucky.

To see a list of companies offering car insurance discounts in Orland, follow this link.

Comprehensive Orland Car Insurance Comparison Quotes

There are several ways to compare car insurance prices and some are easier and takes less work. You can waste a lot of time driving to insurance agencies in Orland, or you can stay home and use the internet to accomplish the same thing much quicker.

Many insurance companies belong to a marketplace that allows shoppers to submit one quote, and each company then gives them pricing for coverage. This eliminates the need for repetitive form submissions for each company you want a rate for. To submit your quote information now, click to open in new window.

The only downside to pricing coverage this way is you are unable to specify which carriers to receive prices from. So if you want to select from a list of companies to compare rates, we put together a list of the cheapest car insurance companies in Indiana. Click here for list of insurance companies in Indiana.

Which method you use is up to you, but compare the exact same coverages and limits with every price quote. If you use different deductibles you will not be able to find the best deal in Orland. Just a small difference in coverages can result in a big premium difference. Just keep in mind that comparing a large number of companies will enable you to find a lower rate.

How to Lower your Car Insurance Rates

An important part of buying insurance is that you know some of the elements that go into determining your car insurance rates. Understanding what impacts premium levels empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

Listed below are some of the factors used by your company to calculate rates.

Are you male or female? - Statistics demonstrate that men are more aggressive behind the wheel. That doesn't necessarily mean that women are BETTER drivers than men. Both sexes have accidents at about the same rate, but the males cause more damage. They also get cited for more serious violations such as reckless driving. Youthful male drivers tend to get in the most accidents and therefore have the most expensive car insurance rates.
Don't get talked into coverage you don't need - There are many extra coverages that you can buy on your policy. Coverages like vanishing deductibles, towing coverage and additional equipment coverage are examples of these. These may sound like a good investment when talking to your agent, but now you might not need them so get rid of them and save.
Tickets mean higher rates - Your driving citation history impacts your car insurance rates tremendously. Drivers who don't get tickets tend to pay less for car insurance than bad drivers. Just one moving violation can bump up the cost forty percent or more. Drivers who have serious citations such as DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.
Adjust deductibles and save - Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims are running into the backend of another car, damage from fire, or theft. Your deductibles are how much you are willing to pay before a claim is paid by your company. The more money you have to pay, the less your car insurance will be.
How many coverages with the same company - Most companies will give a discount to policyholders who have multiple policies with them. It's known as a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even if you're getting this discount it's in your best interest to compare rates to verify if the discount is saving money. You may still be able to find a better deal by insuring with multiple companies.
Don't skimp on liability - Liability insurance provides coverage if ever you are found to be at fault for personal injury or accident damage. It provides legal defense coverage which can be incredibly expensive. This coverage is very inexpensive compared to physical damage coverage, so buy as much as you can afford.
Your occupation can affect rates - Did you know your job can affect your rates? Jobs such as doctors, architects and accountants have higher rates than average in part from high stress levels and long work days. On the flip side, occupations like actors, athletes and homemakers get better rates.

Save 15 percent in 15 minutes? Is it for real?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm constantly bombard you with television and radio advertisements. They all seem to say the same thing about savings if you switch your coverage to them. How do they all make the same claim? This is how they do it.

Insurance companies are able to cherry pick for the type of customer that is profitable for them. An example of a desirable insured could be a mature driver, has no tickets, and has excellent credit. Any new insured who fits that profile is entitled to the best price and is almost guaranteed to cut their rates substantially.

Potential customers who don't meet the "perfect" profile will have to pay a more expensive rate which usually ends up with business going elsewhere. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much money. That's the way companies can truthfully make those claims. Because of the profiling, drivers must get quotes from several different companies. It's just too difficult to predict which car insurance company will have the lowest rates.

Shop smart and save

While you're price shopping online, never reduce coverage to reduce premium. There are many occasions where an insured dropped liability limits or collision coverage only to find out they didn't purchase enough coverage. Your aim should be to buy enough coverage for the lowest price.

The cheapest car insurance is available from both online companies as well as from independent agents in Orland, and you need to price shop both to have the best rate selection. Some companies don't offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.

You just learned a lot of information how to compare car insurance prices online. The key thing to remember is the more times you quote, the higher the chance of saving money. You may be surprised to find that the best price on car insurance is with a lesser-known regional company. These smaller insurers may cover specific market segments cheaper compared to the large companies like .

Find out more about car insurance

Even more information is available at the Indiana Department of Insurance website. Consumers can learn about insurance regulations, discover disciplinary actions, file complaints about a company, and report car insurance fraud.