Paying Too Much for Car Insurance in Westfield, IN? Here’s How to Save!

No one rejoices having to buy car insurance, especially when the cost is way too high. Since drivers have many options when it comes to car insurance, it can be impossible to find a lower cost car insurance provider.

What impacts Westfield car insurance prices?

Many things are part of the equation when quoting car insurance. Some of the criteria are obvious such as your driving record, but some are more transparent like where you live and annual miles driven. Smart consumers have a good feel for some of the things that play a part in calculating the rates you pay for car insurance. When consumers understand what influences your rates, this allows you to make educated decisions that will entitle you to big savings.

  • Lower prices with alarm systems – Owning a car that has a built-in theft deterrent system can earn a premium discount. Anti-theft features such as OnStar, LoJack tracking, and tamper alarms can thwart car theft.
  • How much liability – The liability section of your policy provides coverage if ever you are found liable for damages caused by your negligence. Your liability coverage provides legal defense coverage which can be incredibly expensive. It is affordable coverage compared to physical damage coverage, so do not cut corners here.
  • Frequent claims increase prices – Car insurance companies in Indiana give lower rates to insureds who only file infrequent claims. If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Your car insurance is intended for claims that you cannot pay yourself.
  • Prices increase with policy add-ons – There are many additional extra coverages that may not really be needed on your policy. Coverages for personal injury protection, accidental death, and Farm Bureau memberships may not be needed and are just wasting money. These coverages may sound good when deciding what coverages you need, but now you might not need them so remove them from your policy.

More affordable rates with these car insurance discounts

Car insurance can be pricey, but there’s a good chance there are discounts to help bring down the price. Certain discounts will be triggered automatically when you complete an application, but some must be specifically requested prior to getting the savings.

  • New Car Discount – Buying a new car model can save you some money due to better safety requirements for new vehicles.
  • Discount for Life Insurance – Some companies give a discount if you purchase a life insurance policy as well.
  • No Accidents – Westfield drivers who stay claim-free pay less in comparison to drivers with a long claim history.
  • Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen so companies will give you a small discount.
  • Anti-lock Brake Discount – Cars and trucks with anti-lock braking systems have fewer accidents and will save you 10% or more.

As a sidenote, many deductions do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Even though the math looks like all those discounts means the company will pay you, you won’t be that lucky.

Popular car insurance companies and some of their more popular discounts are included below.

  • 21st Century may have discounts that include theft prevention, driver training, teen driver, early bird, and good student.
  • Progressive has savings for homeowner, continuous coverage, good student, online signing, online quote discount, multi-policy, and multi-vehicle.
  • State Farm includes discounts for accident-free, multiple policy, good student, anti-theft, student away at school, passive restraint, and Steer Clear safe driver discount.
  • Nationwide may include discounts for defensive driving, family plan, business or organization, good student, and accident-free.
  • Esurance may offer discounts for multi-car, good driver, Pac-12 alumni, online quote, safety device, and DriveSense.
  • The Hartford discounts include bundle, defensive driver, driver training, good student, vehicle fuel type, and anti-theft.

It’s a good idea to ask each company to give you their best rates. All car insurance discounts might not be available to policyholders in Westfield. For a list of insurers who offer online car insurance quotes in Indiana, follow this link.

Compare rate quotes but buy from a local Westfield insurance agency

Some people would prefer to talk to an insurance agent. Experienced insurance agents can answer important questions and help in the event of a claim. The best thing about price shopping on the web is that drivers can save money and get cheaper auto insurance rates but still work with a licensed agent.

After completing this quick form, your information is instantly submitted to insurance agents in Westfield who will give you quotes for your business. You never need to even leave your home because prices are sent to the email address you provide. If you want to get a rate quote from one company in particular, don’t hesitate to search and find their rate quote page and submit a quote form there.

Selecting an insurer requires more thought than just the bottom line cost. Below are some questions you should ask.

  • Do they offer rental car reimbursement?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Which companies do they recommend if they are an independent agency?
  • Do they specialize in personal lines auto insurance?
  • Do they reduce claim amounts on high mileage vehicles?

If you want a local Westfield insurance agent, it’s helpful to know the types of agencies and how they differ in how they can insure your vehicles. Agents can be classified as either independent or captive. Both types of agents can write policy coverage, but it’s worth learning the difference in how they write coverage since it can affect your agent selection.

Captive Agents

Agents of this type have only one company to place business with like Farmers Insurance or State Farm. These agents are unable to provide other company’s prices so if the price isn’t competitive there isn’t much they can do. These agents are usually well trained on sales techniques and that enables them to sell even at higher rates.

Below is a list of captive insurance agencies in Westfield who can help you get price quotes.

Allstate Insurance – 211 E Main St – Westfield, IN 46074 – (317) 867-0688

Independent Agents (or Brokers)

Agents that choose to be independent often have affiliation with several companies and that enables them to quote your coverage with an assortment of companies and potentially find a lower price. If your premiums go up, an independent agent can move your coverage without you having to go to a different agency. When comparing rates, you need to get rate quotes from several independent insurance agents to have the most options to choose from.

Shown below is a list of independent agencies in Westfield that are able to give comparison quotes.

Richard E Aton Insurance – 335 W Main St – Westfield, IN 46074 – (317) 867-5000
Rocchio Kiley Insurance – 302 W Main St – Westfield, IN 46074 – (317) 896-9775

To view more insurance agents in Westfield, here is a list of Westfield Indiana insurance agencies.

More sites with car insurance information

Additional detailed information can be found at the Indiana Department of Insurance website. Consumers can download brochures, read enforcement actions against agents and companies, and find out industry alerts.

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Smart consumers save more

We just presented many ways to shop for car insurance online. It’s most important to understand that the more companies you get prices for, the higher your chance of finding . You may be surprised to find that the lowest premium rates come from a small local company. Some small companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm and Allstate.

When searching for , you should never buy less coverage just to save a little money. There are too many instances where someone sacrificed liability coverage limits only to regret at claim time they didn’t have enough coverage. Your strategy should be to buy enough coverage at an affordable rate while not skimping on critical coverages.