Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us, there are lots of people in the same boat. Drivers have multiple auto insurance companies to pick from, and though it is a good thing to have a selection, so many choices can make it hard to find the best rates.
You should take the time to do rate comparisons before your policy renews because insurance rates are adjusted regularly by insurance companies. If you had the best price a couple years back you can probably find a lower rate today. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the best methods to find better coverage at a better price.
Finding Auto Insurance Deals in New Albany
Comparing auto insurance rates can be challenging if you don’t utilize the easiest way. You could spend the better part of a day talking to local insurance agents in New Albany, or you could save time and use online quotes to get rates in a matter of minutes.
Most of the larger companies take part in a program that enables customers to enter their coverage request one time, and at least one company provides a quote based on that data. This prevents consumers from doing form submissions to every company.
To compare rates using this form now click here to open in new window.
The single downside to using this type of form is you are unable to specify the insurers to get quotes from. If you would rather choose specific insurance companies to receive pricing from, we have assembled a list of companies who write auto insurance in Indiana. Click to view list.
Whichever way you use, compare exactly the same coverage limits and deductibles for each price quote. If your comparisons have differing limits then you won’t be able to decipher which rate is best in New Albany.
Do I just need basic coverages?
When it comes to buying coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is unique so your insurance should reflect that These are some specific questions could help you determine if your insurance needs will benefit from professional help.
- Can I rate high risk drivers on liability-only vehicles?
- Do I get a pro-rated refund if I cancel my policy early?
- Is business equipment covered while in my vehicle?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Are rental cars covered under my policy?
- What if I don’t agree with a claim settlement offer?
If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.
Buying car insurance locally
Certain consumers would rather visit with an insurance agent. Agents can answer important questions and help submit paperwork. One of the best bonuses of getting online price quotes is the fact that you can find the lowest rates but also keep your business local. Buying from local insurance agencies is important particularly in New Albany.
After completing this form (opens in new window), your coverage information is emailed to companies in New Albany who will give you bids for your business. You won’t need to visit any agencies since price quotes are sent to your email. It doesn’t get any easier!
If you want to contact a specific insurance agent in New Albany, view this link.
Picking a company should depend on more than just a low price. Any agent should have no problem answering these questions:
- How long has their agency been open in New Albany?
- Do they review policy coverages at every renewal?
- How are claims handled?
- Are you getting all the discounts the company offers?
- Are they properly licensed to sell insurance in Indiana?
After receiving acceptable answers to any questions you have as well as a affordable price, chances are good that you have found an provider that can service your policy.
More Indiana auto insurance information
Additional information can be found on the website for the Indiana Department of Insurance found here. Indiana consumers can find disaster information, read state legal mandates and laws, discover disciplinary actions, and download brochures.
The following information may also be useful.