Being forced to pay for pricey car insurance premiums can overdraw your personal savings and force you to tighten up your finances. Performing a price comparison is a smart way to tighten up your finances.
With so many choices of insurance companies, it can be challenging to choose the most cost effective car insurance provider.
Smart consumers take time to check car insurance prices before your policy renews because insurance prices go up and down regularly. Despite the fact that you may have had the best price two years ago other companies may now be cheaper. You’ll find quite a bit of inaccurate information about car insurance online but in this article, you’re going to get some good information on how to lower your car insurance rates.
Which car insurance is cheapest in Brownsburg, Indiana?
Performing a rate comparison can be a lot of work if you don’t know the best way to get rate quotes. You can spend countless hours talking to insurance companies in Brownsburg, or you can stay home and use online quoting for quick rates.
Most car insurance companies take part in a program that allows shoppers to send in one quote, and every company can provide price quotes for coverage. This system prevents you from having to do quotation requests to each company.
To compare rates now click to open in new window.
The only downside to using this type of form is that you can’t choose which companies to get pricing from. So if you prefer to choose from a list of companies to receive pricing from, we put together a list of low cost car insurance companies in Indiana. Click here to view list.
Which method you use is up to you, but ensure you are comparing the same information with every price quote. If the quotes have different deductibles you can’t possibly get a fair rate comparison in Brownsburg. Even a minor difference in insurance coverages can result in a big premium difference. And when comparing car insurance rates, know that comparing more company’s prices increases your odds of finding the best offered rates. Some insurance companies are not set up to provide online price quotes, so you should also compare quotes from the smaller companies as well.
Car insurance myths debunked
Car insurance providers like Progressive, Geico, Allstate and State Farm seem to constantly run ads in print and on television. All the ads convey the message about how much you will save if you just switch your policy. That’s great but how can every company claim to save you money? It’s all in how they say it.
Many companies provide the lowest rates for the type of customer that will generate a profit. A good example of a profitable risk profile might be a mature driver, has never had a policy lapse, and drives less than 10,000 miles a year. A propective insured who matches that profile may get the lowest prices in Brownsburg and will save some money.
Potential customers who don’t qualify for these standards may be forced to pay a higher rate which usually ends up with the prospect going elsewhere. Company advertisements say “drivers that switch” not “everyone who quotes” can save as much as they claim. That is how companies can advertise the way they do.
This emphasizes why you need to quote coverage with many companies. Because you never know with any certainty which company will have the best premium rates at this point in time.
Use discounts on Brownsburg car insurance
Companies don’t necessarily list their entire list of discounts in an easy-to-find place, so we researched both the well known as well as some of the hidden ways to save on car insurance.
- Policy Bundle Discount – If you can bundle your auto and home insurance and insure them with the same company you may earn as much as 10 to 15 percent.
- One Accident Forgiven – Not a discount per se, but a few companies such as State Farm and Progressive will allow you to have one accident before they charge you more for coverage so long as you are claim-free prior to the accident.
- Seat Belt Discounts – Drivers who require all occupants to wear their seat belts can save up to 15% on the premium charged for medical payments and/or PIP.
- Theft Prevention Discount – Cars and trucks optioned with advanced anti-theft systems are stolen less frequently and earn discounts up to 10% off your .
- Telematics Data – Brownsburg drivers who agree to allow data collection to look at when and where they use their vehicle by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks if their driving habits are good.
Please keep in mind that many deductions do not apply to the overall cost of the policy. Most only cut specific coverage prices like liability and collision coverage. Even though it may seem like you could get a free car insurance policy, you won’t be that lucky.
Insurance companies that may offer policyholders some of the discounts shown above are:
Double check with all the companies to give you their best rates. Some discounts listed above may not apply in Brownsburg. To find companies who offer free car insurance quotes in Brownsburg, click this link.
Car insurance quotes from local neighborhood Brownsburg car insurance agents
Some consumers would prefer to talk to a local agent and that is just fine! A good thing about price shopping on the web is you may find cheap car insurance rates but still work with a licensed agent. And buying from neighborhood insurance agencies is definitely important in Brownsburg.
For easy comparison, once you complete this form (opens in new window), your information is instantly submitted to insurance agents in Brownsburg that can give you for your car insurance coverage. It simplifies rate comparisons since you won’t have to contact any agents because quoted prices will be sent to you instantly. It’s the lowest rates without a big time investment. If you wish to compare rates from a specific company, you just need to find their quoting web page and fill out the quote form the provide.
When finding local Brownsburg agents, there are a couple of different agency structures and how they can quote your rates. Brownsburg agents are considered either captive or independent agents depending on their company appointments.
Independent Agents (or Brokers)
Independent agencies are not limited to a single company and that is an advantage because they can write policies with lots of companies enabling the ability to shop coverage around. If you want to switch companies, the agent simply finds a different carrier which is easy for the insured.
If you are comparing car insurance prices, you will definitely want to compare prices from a couple of independent agencies for the best price selection.
Listed below is a list of independent insurance agencies in Brownsburg who may be able to give you free rate quotes.
Henson Agency Inc – 211 E Main St – Brownsburg, IN 46112 – (317) 852-4488
Spectrum Insurance Svc – 1040 Patrick Pl # C – Brownsburg, IN 46112 – (317) 858-8654
Rice Insurance – 403 E Main St – Brownsburg, IN 46112 – (317) 852-9441
Captive Insurance Agents
Captive agencies can only provide pricing for a single company and examples are Allstate and State Farm. Captive agencies are unable to give you multiple price quotes so keep that in mind. They are usually well trained on the products they sell which can be an advantage.
Below is a list of captive insurance agencies in Brownsburg willing to provide comparison quotes.
Shelter Insurance – 217 E Main St # 2 – Brownsburg, IN 46112 – (317) 852-6959
American Family Insurance – 24 N Grant St – Brownsburg, IN 46112 – (317) 858-1111
Allstate Insurance – 690 W Northfield Dr # 300 – Brownsburg, IN 46112 – (317) 852-0491
State Farm Insurance – 480 Northfield Dr – Brownsburg, IN 46112 – (317) 852-4747
Farm Bureau Insurance – 835 N Green St – Brownsburg, IN 46112 – (317) 852-3184
To view agencies near you, link to this full listing of Brownsburg, IN car insurance providers.
Finding a good insurance agent is decision based upon more than just the price. Before buying a policy, get answers to these questions.
- How experiences are they in personal risk management?
- Are there any discounts that you might be missing?
- Do the agents have professional certifications like CPCU or CIC?
- Can you get a list of referrals?
- Will a damage claim use OEM or aftermarket replacement parts?
- Does the agent have a valid license to sell insurance in Indiana?
- Does the company have a local claim office in Brownsburg?
Car insurance coverage options
Knowing the specifics of a car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverages offered by car insurance companies.
This coverage provides protection from damages or injuries you inflict on a person or their property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.
Liability can pay for things such as funeral expenses, attorney fees, repair bills for other people’s vehicles, bail bonds and emergency aid. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible. Indiana requires drivers to carry at least 25,000/50,000/10,000 but you should consider buying more liability than the minimum.
Auto collision coverage
Collision coverage covers damage to your vehicle resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.
Collision insurance covers claims like sustaining damage from a pot hole, colliding with a tree, crashing into a ditch and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.
Comprehensive auto coverage
Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things such as damage from flooding, vandalism, rock chips in glass, damage from a tornado or hurricane and hitting a bird. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Medical payments and PIP coverage
Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like ambulance fees, hospital visits, rehabilitation expenses, surgery and EMT expenses. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible
UM/UIM (Uninsured/Underinsured Motorist) coverage
This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your vehicle.
Since many Indiana drivers only purchase the least amount of liability that is required (which is 25/50/10), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these limits are similar to your liability insurance amounts.
Additional car insurance information can be read on the . Click here for link. Consumers can learn about insurance regulations, discover disciplinary actions, and find out which companies have the most complaints.
Other useful links include BankRate.com’s Car Insurance: When not to Skimp and this link where you can make Brownsburg car insurance comparisons.
You can lower your rates
We’ve covered a lot of tips how to get a better price on car insurance. It’s most important to understand that the more times you quote, the better your comparison will be. You may be surprised to find that the best price on car insurance is with a small local company. Some small companies can often insure niche markets at a lower cost than their larger competitors like Progressive and Geico.
When shopping online for car insurance, don’t be tempted to buy lower coverage limits just to save a few bucks. In too many instances, an accident victim reduced uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The aim is to find the BEST coverage for the lowest cost, not the least amount of coverage.