Car Insurance in Zionsville – 8 Discounts to Lower Rates

Nobody likes having to buy car insurance, particularly when they are paying too much. You have so many car insurance companies to insure vehicles with, and though it is a good thing to have a selection, lots of choices makes it harder to compare rates and find the lowest cost car insurance.

Smart consumers take time to compare premium rates once or twice a year due to the fact that insurance prices tend to go up over time. If you had the best deal at your last renewal there is a good chance you can find better premium rates now. Ignore everything you know about car insurance because you’re about to find out the best methods to find better coverage at a better price.

Finding affordable coverage in Zionsville is quite easy. If you have a current car insurance policy or need a new policy, you can use this information to cut your premiums while maximizing coverage. Indiana drivers just need to know the most efficient way to get comparison quotes online.

Use discounts to get cheaper Zionsville car insurance quotes

Car insurance is expensive, but you might already qualify for some discounts that can dramatically reduce your bill. A few discounts will automatically apply at the time you complete a quote, but a few must be inquired about prior to getting the savings.

  • Theft Prevention Discount – Cars and trucks optioned with advanced anti-theft systems help deter theft and can earn a small discount on your policy.
  • Bundle and Save – If you can bundle your auto and homeowners insurance and insure them both with the same insurance company you may earn at least 10% off all policies.
  • Sign Early and Save – A few car insurance companies allow discounts for buying a new policy before your current coverage expires. This can save 10% or more.
  • Defensive Driver Discount – Participating in a class that teaches safe driver techniques could possibly earn you a 5% discount and also improve your driving technique.
  • Zionsville Homeowners Discount – Being a homeowner can get you a discount because of the fact that having a home is proof of financial responsibility.
  • Accident-Free Discounts – Insureds with no claims or accidents can save substantially as compared to insureds who have frequent claims or accidents.
  • Safety Restraint Discount – Requiring all passengers to wear their seat belts may be able to save a few bucks off the PIP or medical payment premium.
  • Discounts for Responsible Drivers – Insureds who avoid accidents may save up to 50% more than their less cautious counterparts.

Keep in mind that most discounts do not apply the the whole policy. Most only reduce specific coverage prices like medical payments or collision. Just because you may think adding up those discounts means a free policy, companies don’t profit that way. Any qualifying discounts will lower the premium cost.

A few companies who might offer some of the discounts shown above possibly include:

Before purchasing a policy, check with each company which discounts you qualify for. Some discounts may not be available in Zionsville. To view companies offering car insurance discounts in Indiana, click here.

More Indiana car insurance information

More detailed Indiana car insurance information is located at the Indiana Department of Insurance website. Visitors are able to read industry bulletins, file complaints about an insurance agent or broker, report car insurance fraud, and read state legal mandates and laws.<img class="alignright" style="padding-top:15px;" src="" alt="Zionsville Indiana insurance quotes“/>

What car insurance coverages do you need?

Understanding the coverages of your car insurance policy can be of help when determining appropriate coverage for your vehicles. Car insurance terms can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages found on most car insurance policies.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like doctor visits, surgery, chiropractic care and ambulance fees. They are used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage


This protects you from damage or injury you incur to people or other property that is your fault. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things such as structural damage, loss of income, funeral expenses and medical expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford. Indiana state law requires minimum liability limits of 25,000/50,000/10,000 but you should think about purchasing more liability than the minimum.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, a tree branch falling on your vehicle, damage from getting keyed, hail damage and rock chips in glass. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage

This pays for damage to your vehicle from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a ditch, damaging your car on a curb and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your vehicle.

Because many people carry very low liability coverage limits (which is 25/50/10), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

You can lower your rates

As you restructure your insurance plan, you should never sacrifice coverage to reduce premiums. In many cases, an insured cut liability coverage limits only to regret at claim time that the savings was not a smart move. The proper strategy is to purchase a proper amount of coverage for the lowest price.

We’ve covered many ways to lower your car insurance auto insurance rates. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the most savings is with some of the lesser-known companies. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as Allstate, Geico and Progressive.

Some insurance providers may not offer online quoting and usually these smaller companies only sell through independent agents. Discount car insurance is attainable both online and from local insurance agents, so you need to compare both to get a complete price analysis.