Easy Tips to Cut Costs on Jeffersonville Indiana Auto Insurance

Are you sick and tired of paying out the nose to insure your vehicles every month? Your situation is no different than many other Indiana drivers.

Having so many choices, it can be impossible to choose the lowest cost insurance company.

It’s smart to get comparison quotes every six months because prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best deal a couple years back the chances are good that you can find a lower rate today. So just ignore everything you know about auto insurance because you’re going to get a crash course in the only way to remove unneeded coverages and save money.

Finding affordable coverage in Jeffersonville is quite easy. Essentially anyone who carries auto insurance will be able to cut their insurance bill. Nevertheless, Indiana consumers must learn the way insurance companies sell online because it can help you find the best coverage.

Save big with these discounts

Auto insurance companies don’t list every available discount in an easy-to-find place, so we break down both well-publicized and also the lesser-known ways to save on auto insurance.

One Accident Forgiven – Certain companies allow you one accident without raising rates if you are claim-free for a certain period of time.
Anti-theft Discount – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
Safety Course Discount – Taking part in a defensive driving course could cut 5% off your bill if your company offers it.
Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
Paperless Signup – Certain companies will discount your bill up to fifty bucks just for signing your application online.
Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
Low Mileage – Driving fewer miles could qualify for better rates on cars that stay parked.
Discount for Swiching Early – Select companies give a discount for switching to them before your current expiration date. The savings is around 10%.
Pay Upfront and Save – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
Passive Restraints – Cars that have air bags and/or automatic seat belt systems can get savings of up to 25% or more.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Most only cut specific coverage prices like comp or med pay. Just because it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.

To see a list of insurers with the best auto insurance discounts in Jeffersonville, click here to view.

Buy Cheaper Auto Insurance with These Tips

It’s important that you understand the different types of things that come into play when calculating auto insurance rates. When you know what positively or negatively controls the rates you pay enables informed choices that can help you get big savings.

Do you work long hours in a high stress job? – Occupations like judges, business owners and dentists tend to pay the highest average rates because of stressful work requirements and long work hours. Other jobs such as pilots, historians and retirees have the lowest average rates.
Better crash test results mean better rates – Cars with high safety ratings get lower rates. These vehicles have better occupant injury protection and fewer injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders.
Proper usage rating affects rates – The more miles you rack up on your car in a year the more you’ll pay to insure your vehicle. The majority of insurers price each vehicle’s coverage based on how the vehicle is used. Cars that are left in the garage qualify for better rates compared to those used for work or business. Verify your auto insurance policy shows how each vehicle is driven.
Claim-free discounts can add up – If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Insurance companies in Indiana award lower rates to drivers who file claims infrequently. Your insurance policy is intended for the bigger claims that can’t be paid out-of-pocket.

Quote online but work with a neighborhood agent

Some consumers just want to buy from a local agent. The best thing about getting online price quotes is that you can obtain better rates but also keep your business local.

After filling out this quick form, your insurance coverage information gets sent to local insurance agents who will battle for your coverage. You won’t need to leave your computer due to the fact that quote results will go to the email address you provide. How cool is that?! Get lower rates and an insurance agent to talk to.<img class="alignright" style="padding-top:15px;" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-80.jpg" alt="Jeffersonville car insurance prices“/>

Deciding on an provider shouldn’t rely on just the bottom line cost. Ask your prospective agent these questions:

Do the coverages you’re quoting properly cover your vehicle?
If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
If you have an accident, will your rates go up?
If your car is in the repair shop, do you have coverage for a rental car?
What will you get paid if your car is a total loss? How is that amount determined?
Are you getting all the discounts the company offers?
What insurance companies do they work with?

Two different types of insurance agents

When looking for a good insurance agency, you need to know there are two types of insurance agents to choose from. Agencies in Jeffersonville are either captive or independent (non-captive).

Captive Insurance Agents

Captive insurance agents write business for a single company like AAA, State Farm, Farmers Insurance and Allstate. They are unable to place coverage with different providers so they are skilled at selling on more than just price. They are well schooled in insurance sales and that can be a competitive advantage.

Shown below is a short list of captive agencies in Jeffersonville who may provide you with rate quotes.

Farm Bureau Insurance – 2004 Charlestown New Albany Rd – Jeffersonville, IN 47130 – (812) 283-7975
Farmers Insurance Group – 205 E Chestnut St – Jeffersonville, IN 47130 – (812) 284-4612
American Family Insurance – 733 Ewing Ln – Jeffersonville, IN 47130 – (812) 282-8505
Allstate Insurance – 2214 Allison Ln – Jeffersonville, IN 47130 – (812) 282-2970
State Farm Insurance – 2510 Allison Ln – Jeffersonville, IN 47130 – (812) 288-9393
Shelter Insurance – 3808 E Highway 62 – Jeffersonville, IN 47130 – (812) 284-2500

Independent Agencies or Brokers

Independent insurance agents do not work for one specific company so they have the ability to put coverage with many different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, an independent agent can move your coverage without you having to go to a different agency.

When searching for an agent, it’s recommended you get quotes from multiple independent agents for maximum quote selection.

Shown below are independent agents in Jeffersonville that are able to give price quotes.

Carl Spalding Insurance Agncy – 2946 E Highway 62 – Jeffersonville, IN 47130 – (812) 285-0203
Diversified Insurance – 1602 E 8th St – Jeffersonville, IN 47130 – (812) 283-3500
Barbara Roy Agency – 1314 Utica Sellersburg Rd – Jeffersonville, IN 47130 – (812) 284-7283

For a full directory of auto insurance agents in Jeffersonville, visit this site.

Upon receiving answers to your satisfaction to these questions and a low price estimate, chances are good that you have found an auto insurance agent that is a good match to properly insure your vehicles.

Buyer beware of auto insurance advertising tricks

Companies like Progressive, Allstate and GEICO consistently run ads on TV and radio. All the ads say the same thing that you can save if you change to their company. How can each company claim to save you money?

Insurance companies have a preferred profile for the right customer that makes them money. A good example of a profitable customer might be profiled as a mature driver, has no tickets, and has great credit. A propective insured who matches those parameters is entitled to the best price and is almost guaranteed to save quite a bit of money when switching.

Potential customers who don’t measure up to this ideal profile will be charged more money and ends up with business not being written. The ad wording is “drivers who switch” not “everyone that quotes” save that much. This is how companies can state the savings. That is why you need to get a wide range of price quotes. You cannot predict which insurance companies will provide you with the cheapest rates.

To learn more about auto insurance in Indiana

More detailed Indiana auto insurance information can be found at the Indiana Department of Insurance website. Visitors are able to read enforcement actions against agents and companies, find a variety of consumer forms, and find out which companies have the most complaints.

Cheaper insurance is a realistic goal

In this article, we presented a lot of tips how to shop for auto insurance online. The key concept to understand is the more you quote, the higher the chance of saving money. Consumers may even find the best prices are with a smaller regional carrier. Some small companies often have lower prices on specific markets compared to the large companies like State Farm or Progressive.

As you restructure your insurance plan, make sure you don’t buy poor coverage just to save money. There have been many situations where consumers will sacrifice liability coverage limits only to regret at claim time that the few dollars in savings costed them thousands. The ultimate goal is to buy a smart amount of coverage at a price you can afford while still protecting your assets.