7 Tricks to Lower Car Insurance Premium in Griffith, IN

Saving money on Griffith car insurance can be kind of frustrating for beginners to shopping for insurance online. You have so many options available that it can easily become a difficult mission to find the lowest price.

It’s a good habit to do price comparisons as often as possible since rates are rarely the same from one policy term to another. Even if you think you had the lowest premium rates a year ago other companies may now be cheaper. There is lot of inaccurate information about car insurance on the web, but in a few minutes you can learn the easiest ways to put money back in your pocket.

The purpose of this article is to tell you the best way to quote coverages. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using this information. Indiana consumers just need to understand the most efficient way to get comparison quotes on the web.

The quickest way to compare insurance rates in your area is to realize almost all companies participate in online systems to provide you with free rate quotes. To start a quote, the only thing you need to do is give them some information including driver ages, if you are currently licensed, whether or not you need a SR-22, and whether you drive to work or school. That rating data is submitted instantly to all major companies and they respond with quotes very quickly.

If you would like to start a quote now, click here then complete the form.

Do you qualify for discounts?

Some insurance providers don’t always list every disount available in an easy-to-find place, so the following is a list of some of the more common as well as the least known discounts that you may qualify for.

  • Passive Restraints – Factory options such as air bags could see savings of more than 20%.
  • Fewer Miles Equal More Savings – Driving less may allow you to get discounted prices on garaged vehicles.
  • Discounts for Government Workers – Active or former government employment could cut as much as 10% off with a few car insurance companies.
  • Good Driver Discount – Drivers without accidents may save up to 50% more than their less cautious counterparts.
  • Good Student Discount – Getting good grades can earn a discount of 20% or more. You can use this discount normally up to age 25.
  • Memberships – Joining a professional or civic organization could earn you a nice discount when shopping for car insurance.
  • Anti-lock Brakes – Cars with ABS and/or traction control are much safer to drive and therefore earn up to a 10% discount.
  • Safety Course Discount – Taking time to complete a defensive driver class may get you a small discount depending on where you live.

Consumers should know that most credits do not apply to the entire policy premium. Most only apply to individual premiums such as collision or personal injury protection. Despite the appearance that it’s possible to get free car insurance, it doesn’t quite work that way.

Large car insurance companies and the discounts they provide are outlined below.

  • Geico may include discounts for five-year accident-free, daytime running lights, air bags, anti-theft, and emergency military deployment.
  • MetLife has savings for accident-free, good student, multi-policy, defensive driver, and good driver.
  • State Farm may offer discounts for Steer Clear safe driver discount, safe vehicle, driver’s education, Drive Safe & Save, and passive restraint.
  • Progressive offers discounts for multi-vehicle, multi-policy, continuous coverage, homeowner, good student, online signing, and online quote discount.
  • Mercury Insurance has discounts for anti-theft, professional/association, good driver, location of vehicle, low natural disaster claims, multi-car, and good student.
  • 21st Century offers premium reductions for 55 and older, anti-lock brakes, homeowners, student driver, and automatic seat belts.
  • Allstate offers discounts including EZ pay plan discount, anti-lock brakes, economy car, FullPay discount, good payer, and resident student.

When getting a coverage quote, ask each company or agent to give you their best rates. Some credits may not apply to policyholders in your state.

Informative consumer insurance sites

Additional car insurance information can be found on the website for the Indiana Department of Insurance found here. Visitors are able to read state legal mandates and laws, view a list of available companies, find out which companies have the most complaints, and find out industry alerts.