Car Insurance in Shoals, IN - 10 Tricks to Save Money

Tired of not being able to afford each month for car insurance? You are in the same boat as the majority of other car owners in Indiana.

Big-name insurance companies like State Farm, Allstate, GEICO and Progressive persitently shower you with fancy advertisements and it is difficult to sift through the bull and take the time to shop coverage around.

If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these methods. Buying car insurance in Shoals is easy if you know what you're doing. But Indiana car owners do need to know the way companies price insurance differently and apply this information to your search.

How to Compare Car Insurance Costs in Shoals

There are several ways to compare rate quotes and find the best price. The best method to find the cheapest insurance rates is to use the internet to compare rates. This can be done in just a few minutes using one of these methods.

  • The recommended way consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This method eliminates the need for separate quotation requests to each individual car insurance company. Taking the time to complete one form gets rate comparisons from car insurance companies with the best prices.
  • A different way to get quotes online is spending the time to visit the website of each company to complete their respective quote request forms. For sake of this example, let's assume you want rates from , and . To find out each rate you need to spend time on each company's site and enter your policy data, which is why the first method is more popular.

    To view a list of companies in Shoals, click here.
  • The least efficient way to get comparison rates is to waste gas driving to different Shoals agent offices. The ability to buy insurance online has reduced the need for local agents unless you require the personal advice only provided by licensed Shoals agents. You can, however, get the lowest quotes online and still use a local agent and we'll cover that in a bit.

It doesn't matter which method you choose, just double check that you are using exactly the same information on every quote you get. If each company quotes higher or lower deductibles it will be impossible to determine which rate is truly the best in Shoals. Just a small difference in insurance coverages may result in large price differences. It's important to know that comparing more company's prices will increase your chances of finding the best price.

Save big with these ten discounts

Auto insurance companies don't list every discount in a way that's easy to find, so we took the time to find some of the more common as well as the least known car insurance savings.

  • No Claims - Claim-free drivers can save substantially when compared to bad drivers.
  • Payment Method - If you pay your bill all at once instead of paying each month you could save 5% or more.
  • New Car Discount - Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
  • Military Discounts - Having a deployed family member may qualify for rate reductions.
  • Theft Prevention System - Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • Homeowners Pay Less - Simply owning a home may trigger a car insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
  • Discount for Life Insurance - Select insurance companies reward you with better rates if you take out auto and life insurance together.
  • Passive Restraint Discount - Cars that have air bags can qualify for discounts of more than 20%.
  • Driver Safety - Taking part in a driver safety course could save 5% or more and easily recoup the cost of the course.
  • Good Students Pay Less - A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.

Consumers should know that most credits do not apply to the entire cost. Some only apply to individual premiums such as comp or med pay. So even though they make it sound like all those discounts means the company will pay you, companies don't profit that way.

To see a list of insurance companies who offer car insurance discounts in Shoals, follow this link.

More Indiana car insurance information

More detailed Indiana car insurance information can be found at the Indiana Department of Insurance website. Consumers can read industry bulletins, view a list of available companies, file complaints about an insurance agent or broker, and read consumer alerts.