Are you sick and tired of scraping the payment together each month for car insurance? Your situation is no different than the majority of other drivers in Indiana. Insurance companies such as Geico, Progressive and Allstate all claim big savings, bombarding you with TV and radio ads and it can be hard to see past the geckos and flying pigs and find the best price available.
Earn discounts on Brownsburg car insurance
Not many people think insurance is cheap, but companies offer discounts that can help lower your rates. Certain reductions will be credited when you purchase, but some may not be applied and must be inquired about before you will receive the discount.
- Resident Student – who live away from home at college and won’t have access to an insured vehicle can be insured at a reduced rate.
- Employee of Federal Government – Active or retired federal employment can save as much as 8% but check with your company.
- One Accident Forgiven – Not really a discount, but certain companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear prior to the accident.
- Good Student Discount – Being a good student can be rewarded with saving of up to 25%. The discount lasts until age 25.
- Good Driver Discounts – Insureds without accidents can pay as much as 50% less than their less cautious counterparts.
- Discount for Low Mileage – Driving less could qualify for lower rates due to less chance of an accident.
- Student Discount for Driver Training – Have your child successfully complete driver’s ed class if it’s offered in school.
- Senior Citizen Discount – Seniors may receive lower premium rates.
A little disclaimer on discounts, most credits do not apply to the entire cost. Some only reduce specific coverage prices like medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, you aren’t that lucky.
The best car insurance companies and some of the discounts are outlined below.
- State Farm includes discounts for safe vehicle, anti-theft, good driver, passive restraint, defensive driving training, and good student.
- Esurance discounts include renters, homeowner, DriveSense, paid-in-full, and online shopper.
- Progressive offers premium reductions for online signing, multi-policy, online quote discount, homeowner, good student, continuous coverage, and multi-vehicle.
- Liberty Mutual may have discounts that include multi-policy, new move discount, new vehicle discount, good student, new graduate, multi-car, and newly retired.
- Auto-Owners Insurance may include discounts for student away at school, multiple vehicles, anti-lock brakes, good student, safe vehicle, and teen driver.
- Geico offers discounts for anti-theft, defensive driver, federal employee, five-year accident-free, military active duty, and seat belt use.
Before you buy a policy, ask every prospective company to give you their best rates. Some discounts may not be available in Brownsburg.
When should I have guidance from a local insurance agent?
Some consumers just prefer to talk to a local agent and that is not a bad decision The biggest benefit of getting free rate quotes online is the fact that you can find better rates but still work with a licensed agent.
After filling out this simple form, your insurance data is emailed to insurance agents in Brownsburg that can give you for your car insurance coverage. It’s much easier because you don’t need to do any legwork since rate quotes are delivered immediately to your email address. You can most likely find cheaper rates and work with a local agent. In the event you want to compare prices from a specific car insurance provider, don’t hesitate to visit that company’s website and complete a quote there.
Finding a good company requires you to look at more than just the quoted price. These are valid questions to ask:
- Which insurance companies are they affiliated with?
- Do they have cheaper tiers of coverage?
- Is assistance available after office hours?
- Is the agent properly licensed in Indiana?
- Is insurance their full-time profession?
The following are Brownsburg auto insurance companies that are able to give rate quotes.
Farm Bureau Insurance – 835 N Green St, Brownsburg, IN 46112 – (317) 852-3184
Farm Bureau Insurance – 835 N Green St, Brownsburg, IN 46112 – (317) 852-3184
Allstate Insurance – 690 W Northfield Dr # 300, Brownsburg, IN 46112 – (317) 852-0491
Henson Agency Inc – 211 E Main St, Brownsburg, IN 46112 – (317) 852-4488
State Farm Insurance – 734 E Main St, Brownsburg, IN 46112 – (317) 852-4422
Hometown Insurance – 191 N Green St, Brownsburg, IN 46112 – (317) 852-2245
After talking to the agent and getting good answers to any questions you may have as well as an affordable premium quote, you’ve probably found a company that meets the requirements to service your policy.
Insurance advertising tricks
Companies like State Farm, Allstate and Geico regularly use television, radio, and online ads. They all make an identical promise that you can save just by switching your car insurance coverage to their company. How does every car insurance company save you money? Here is how they do it.
Insurance providers have strict underwriting profiles for the type of insured that earns them a profit. A good example of a preferred risk may be a female over age 40, has a clear driving record, and drives a safe vehicle. Any customer who matches those parameters receives the best rates and as a result will probably save a lot if they switch.
Potential customers who do not fit the requirements must pay a higher rate and this results in the customer not buying. The trick is to say “people that switch” not “everybody who quotes” save that much money. That’s why insurance companies can make the claims of big savings. Because each company has a different risk profile, drivers must do a price quote comparison at every renewal. It’s not possible to predict which company will have the lowest rate quotes.
Learn more today
Additional detailed information is available at the Indiana Department of Insurance website. Visitors are able to learn about insurance regulations, get help finding coverage, and read industry bulletins.
Additional helpful sites include QuoteClickInsure.com and this resource to find Brownsburg, IN insurance agents.
Final considerations
When searching for , it’s a bad idea to sacrifice coverage to reduce premiums. In many instances, drivers have reduced physical damage coverage to discover at claim time that the few dollars in savings costed them thousands. Your focus should be to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.
Lower-priced car insurance can be sourced both online and from local insurance agents, so you need to with both in order to have the best chance of saving money. A few companies do not offer rate quotes online and these smaller providers work with independent agents.