8 Tricks to Lower Auto Insurance Rates in Jeffersonville

Overpriced auto insurance can take a big chunk out of your personal savings, especially in this economy. Shopping your coverage around is free and is an excellent way to tighten up your finances.

Companies like GEICO, 21st Century and Progressive continually bombard you with advertising and it is challenging if not impossible to not get sucked in by the cute commercials and take the time to shop coverage around.

You need to compare rates periodically since rates change frequently. Just because you had the best rates a couple years back you can probably find a lower rate today. So just forget anything you know (or think you know) about auto insurance because we’re going to show you the right way to reduce your cost while increasing coverage.

If you are paying for car insurance now, you will be able to reduce your rates substantially using these tips. Finding affordable coverage in Jeffersonville is not rocket science. But Indiana vehicle owners must know how companies sell online and apply this information to your search.

Which Auto Insurance is Cheapest in Jeffersonville?

Effectively comparing auto insurance prices can take hours if you aren’t aware of the most efficient way to do it. You can waste a few hours (or days) talking to insurance agencies in Jeffersonville, or you could use the web to accomplish the same thing much quicker.

All the larger companies enroll in a system where insurance shoppers send in one quote, and each participating company then gives them pricing for coverage. This saves time by eliminating repetitive form submissions to each individual auto insurance company.lower rates in Jeffersonville

To access this free quoting program, click here to start a free quote.

The single downside to getting quotes like this is you can’t choose which carriers to get quotes from. So if you prefer to pick from a list of companies for rate comparison, we put together a list of low cost auto insurance companies in Indiana. Click to view list.

However you get your quotes, double check that you are using the exact same coverages and limits for each comparison quote. If you have higher or lower deductibles it’s impossible to determine the best price in Jeffersonville. Quoting even small variations in coverage limits may result in a large different in cost. Just keep in mind that comparing a large number of companies helps locate lower pricing.

These discounts can lower your rates

Companies that sell car insurance don’t list all available discounts very well, so we break down some of the best known and the more hidden savings tricks you should be using.

  • Student in College – Children who live away from home and do not have a car may qualify for this discount.
  • More Vehicles More Savings – Insuring multiple cars or trucks on the same auto insurance policy may reduce the rate for each vehicle.
  • Paperless Signup – A handful of insurance companies will give a small break simply for signing on their website.
  • Discount for Good Grades – Getting good grades can be rewarded with saving of up to 25%. The good student discount can last until age 25.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
  • Use Seat Belts – Drivers who require all occupants to use their safety belts could save 15% off your medical payments premium.
  • New Car Discount – Putting insurance coverage on a new car is cheaper since new cars are generally safer.

Keep in mind that most discount credits are not given to the entire policy premium. Most cut specific coverage prices like comprehensive or collision. So when the math indicates adding up those discounts means a free policy, companies don’t profit that way.

Different people need different coverages

When it comes to choosing adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions could help you determine whether or not you may require specific advice.

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  • Should I sign the liability waiver when renting a car?
  • Is my vehicle covered for smoke damage?
  • Does my personal policy cover me when driving my company car?
  • What can I do if my company denied a claim?
  • How much liability do I need to cover my assets?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do I pay less if my vehicle is kept in my garage?
  • Should I buy more coverage than the required Indiana minimum liability coverage?
  • I have good health insurance, so how much medical payments coverage do I need?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

Even more information can be read at the Indiana Department of Insurance website. Indiana consumers can view a list of available companies, read consumer alerts, report car insurance fraud, and find out industry alerts.

Other useful links include this online resource for free quotes in Indiana and this link which helps you find a Jeffersonville agent.