Logansport, IN Auto Insurance Savings the Insurance Agents Don’t Want You to Know About

Saving money on Logansport auto insurance is kind of frustrating for drivers who are new to online insurance quotes. Consumers have so many choices that it can easily be a big hassle to find the best price in Indiana.

If you have insurance now or need a new policy, you can follow these tips to find better prices and possibly find even better coverage. This information will introduce you to how to get online quotes and some tricks to saving. Indiana drivers just need to know how to compare price quotes online.

You may qualify for discounts

Not many people think insurance is cheap, but you might be missing out on some discounts that can drop the cost substantially. Most are applied when you quote, but some discounts are required to be asked for in order for you to get them.

  • Seat Belts Save – Using a seat belt and requiring all passengers to fasten their seat belts can save 10% or more off the personal injury premium cost.
  • Cautious Driver Discounts – Drivers without accidents can get discounts for up to 45% lower rates compared to rates paid by drivers with frequent claims.
  • Discount for New Cars – Insuring a vehicle that is new may earn a small discount because newer vehicles keep occupants safer.
  • Passenger Safety Discount – Cars that have air bags or motorized seat belts may qualify for discounts of 25 to 30%.
  • Professional Memberships – Affiliation with qualifying clubs or civic groups is a simple method to lower premiums on auto insurance.
  • Paper-free Discount – A handful of auto insurance companies may give you up to $50 online.
  • Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and can earn a small discount on your policy.
  • Active Military Service – Being on active duty in the military may qualify for rate reductions.
  • No Claim Discounts – Good drivers with no accidents pay less as opposed to policyholders that have many claims.
  • Defensive Driver – Passing a defensive driving course could earn you a small percentage discount depending on where you live.

As a sidenote, some of the credits will not apply to the entire policy premium. Some only apply to the cost of specific coverages such as comprehensive or collision. Even though it may seem like adding up those discounts means a free policy, you won’t be that lucky.

Larger auto insurance companies and some of the premium reductions they offer are outlined below.

  • GEICO may offer discounts for membership and employees, federal employee, driver training, multi-policy, air bags, emergency military deployment, and seat belt use.
  • SAFECO offers discounts including bundle discounts, teen safety rewards, drive less, anti-lock brakes, and multi-car.
  • State Farm has savings for multiple autos, Steer Clear safe driver discount, driver’s education, accident-free, Drive Safe & Save, good student, and multiple policy.
  • MetLife offers discounts for good driver, defensive driver, accident-free, good student, and multi-policy.
  • 21st Century policyholders can earn discounts including good student, teen driver, defensive driver, theft prevention, student driver, 55 and older, and air bags.
  • Progressive has discounts for multi-vehicle, online signing, homeowner, multi-policy, online quote discount, and continuous coverage.

If you want , ask every company how you can save money. Some of the discounts discussed earlier might not be offered on policies in your state.

Buy Logansport auto insurance online

Most larger insurance companies like Progressive, GEICO, Allstate and State Farm give prices for coverage from their websites. This process can be done by anyone because it’s just a matter of typing in your personal and coverage information into the quote form. Upon sending the form, their rating system orders credit information and your driving record and provides a quote determined by many factors.

Online price quotes simplifies rate comparisons, but the work required to visit different websites and complete many quote forms can be a bit tiresome and repetitive. But it’s also necessary to compare as many rates as possible in order to find the lowest possible prices on auto insurance.

The smarter way to locate the lowest prices uses one simple form that gets price quotes from more than one company. It’s a real time-saver, eliminates form submissions, and makes online quotes much more efficient. After sending the form, your coverage is rated with multiple companies and you can pick any one of the quotes that you receive. If the quotes result in lower rates, you simply finish the application and buy the new coverage. This process can be completed in a matter of minutes and may result in a nice savings.

To save time and find out if lower rates are available, click here to open in new window and submit your coverage information. If you currently have coverage, we recommend you type in the coverages as close as possible to your current policy. This guarantees you will get a rate comparison for similar coverage.Auto insurance in Indiana

Why smart buyers pay lower rates in Logansport

The best way to find cheaper auto insurance is to take a look at some of the elements that come into play when calculating the level of your policy premiums. If you have some idea of what determines base rates, this enables informed choices that can help you get better auto insurance rates. Many things are used when pricing auto insurance. Some of the criteria are obvious like a motor vehicle report, but other criteria are not as apparent such as whether you are married or your financial responsibility.

  • Is your vehicle theft-ready? – Buying a car that has an advanced theft prevention system can help lower your premiums. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft and help bring rates down.
  • Your vocation can affect rates – Occupations such as lawyers, business owners and emergency personnel have higher rates than the rest of us due to intense work requirements and lots of time spent at work. Conversely, jobs such as actors, athletes and the unemployed have the lowest average rates.
  • Low coverage deductibles can be expensive – Physical damage deductibles tell how much you are willing to pay out-of-pocket if the claim is covered. Protection for physical damage, also called ‘full coverage’, covers damage that occurs to your car. Examples of covered claims are a windshield broken by a bird, damage caused by hail, and damage from wind. The more you are required to pay out-of-pocket, the bigger discount you will receive.
  • Liability insurance is cheap – The liability coverage on your policy will protect you if ever you are determined to be liable for causing damage or personal injury in an accident. Liability insurance provides legal defense to attempt to prove you were not liable. Liability insurance is pretty cheap as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.
  • Rates go up with performance – The performance of the vehicle you are buying insurance for makes a significant difference in your auto insurance rates. The cheapest insurance rates are for low performance passenger vehicles, but many other things help determine your insurance rates.
  • Cheaper rates after marriage – Having a spouse helps lower the price on auto insurance. Marriage usually means you are more mature than a single person it has been statistically shown that married drivers tend to file fewer claims.
  • Multi-policy discounts can save money – Most larger auto insurance companies give lower prices to insureds who consolidate policies with them such as combining an auto and homeowners policy. The discount can be as much as ten percent or more Even though this discount sounds good, it’s always a smart idea to compare other company rates to help guarantee you have the best rates.

Buying auto insurance from Logansport car insurance agents

Many drivers just want to talk to an insurance agent and that is not a bad decision Most agents can point out coverage gaps and help file insurance claims. A nice benefit of getting free rate quotes online is the fact that drivers can get the lowest rates and still buy from a local agent.

To make it easy to find an agent, after completing this form (opens in new window), your insurance data gets sent to companies in Logansport who want to provide quotes for your insurance coverage. There is no need to search for an agent because quoted prices will be sent to your email. If you have a need to quote rates from a particular provider, you would need to visit that company’s website and complete a quote there.

Finding the right insurance company requires more thought than just the bottom line cost. Any agent should be forthright in answering these questions:

  • Is the coverage adequate for your vehicle?
  • What companies can they write with?
  • Is there a local claims center in Logansport?
  • Is there a Errors and Omissions policy in force?
  • Are they primarily personal or commercial lines agents?
  • In the event of vehicle damage, can you pick the collision repair facility?
  • Will the agent or a CSR service your policy?
  • Is their price quote a firm figure or are their hidden costs?

If you want to use a good insurance agency, you need to know there are two types of agencies that you can choose from. Agents can be classified as either independent agents or captive agents depending on their employer. Either one can do a good job, but it’s important to point out the difference in the companies they write for because it can influence your agent selection.

Captive Auto Insurance Agencies

These type of agents can usually just insure with one company and some examples include Allstate, Farmers Insurance or State Farm. They are unable to provide other company’s prices so you might not find the best rates. Captive agencies are usually well trained on what they offer and that enables them to sell even at higher rates. Consumers frequently use the same captive agent mainly due to the brand rather than low rates.

Listed below is a short list of captive insurance agents in Logansport that can give you comparison quotes.

  • Farm Bureau Insurance – 1730 W Market St – Logansport, IN 46947 – (574) 753-3143
  • American Family Insurance – 214 S 6th St – Logansport, IN 46947 – (574) 722-7646
  • State Farm Insurance – 900 18th St – Logansport, IN 46947 – (574) 753-4420
  • Shelter Insurance – 2212 E Market St – Logansport, IN 46947 – (574) 722-2999

Independent Agencies or Brokers

Agents that choose to be independent are normally appointed by many insurers so as a result can place your coverage with lots of companies and potentially find a lower price. If they find a cheaper price, they can switch companies in-house which makes it simple for you. When comparing rates, you definitely need to compare prices from at a minimum one independent agency for the best price selection. A lot of them also have access to smaller companies who may have lower rates.

Below are independent agents in Logansport willing to provide comparison quotes.

Indiana car insurance

  • Jim Kitchell Agency – 518 North St – Logansport, IN 46947 – (574) 753-6251
  • A M Young Agency – 417 E Market St – Logansport, IN 46947 – (574) 722-4725
  • Stansbury Agency – 200 Eel River Ave – Logansport, IN 46947 – (574) 722-5044
  • Mark Hetz Insurance – 908 W Broadway – Logansport, IN 46947 – (574) 722-3545
  • Group Insurance Admin – 806 Bates St – Logansport, IN 46947 – (574) 722-9084

To view additional auto insurance agents in Logansport, visit this complete selection of auto insurance agencies in Logansport, IN.

Auto insurance savings summarized

You just learned a lot of techniques to compare auto insurance car insurance rates online. The key thing to remember is the more quotes you get, the better your comparison will be. You may be surprised to find that the most savings is with the least-expected company.

Lower-priced auto insurance is attainable from both online companies and from local insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance providers don’t offer online price quotes and most of the time these small, regional companies only sell through independent agents.

People who switch companies do it for many reasons like high prices, poor customer service, questionable increases in premium and extreme rates for teen drivers. No matter why you want to switch, finding a new auto insurance company is pretty easy and you might even save some money in the process.

More detailed Indiana auto insurance information can be read at the Indiana Department of Insurance website. Visitors are able to find out which companies have the most complaints, read consumer alerts, find out industry alerts, and view agent and company licensing information.