Mishawaka, IN Auto Insurance Savings the Insurance Companies Don’t Want You to Know About

Have you had enough of not being able to afford to buy car insurance? You are in the same boat as the majority of other car owners in Indiana. Online insurance companies like Progressive, GEICO and Farmers Insurance all claim big savings with catchy ads and it is difficult to ignore the flying pigs and cute green geckos and find the best price available.

Fast and Easy Mishawaka Auto Insurance Quotes

Getting a cheaper price on insurance is actually quite simple. All that’s required is to invest a few minutes comparing price quotes online with multiple companies. This can be done in a couple of different ways.

The most efficient way to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This form prevents you from having to do a different quote for every auto insurance company. One quote request will get you rate comparisons from several companies.

A harder way to shop for auto insurance online consists of going to the website for each individual company and request a quote. For example, we’ll assume you want rates from Liberty Mutual, Allstate and GMAC. To get each rate you have to spend time on each company’s site to input your insurance information, which is why the first method is quicker.

For a list of links to insurance companies in Mishawaka, click here.

The hardest way of comparing rate quotes to insurance agents’ offices. Buying insurance online can eliminate the need for a local agent unless you require the personal advice of a local Mishawaka agent. You can, however, get prices online and get advice from an agent in your area. We’ll cover that shortly.

However you get your quotes, ensure you’re using apples-to-apples coverage limits on every quote you get. If you enter mixed coverages you will not be able to determine the best price in Mishawaka.

What is the best insurance coverage?

When it comes to buying the best auto insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions can aid in determining if you might need professional guidance.

• How much underlying liability do I need for an umbrella policy?
• Who is covered when they drive my vehicle?
• Can I afford low physical damage deductibles?
• Do I have coverage if my license is suspended?
• Do I qualify for additional discounts?
• Is business equipment covered while in my vehicle?
• Does liability extend to a camper or trailer?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

What about using a local agent?

A small number of people just want to buy from a licensed agent and that is OK! Professional agents are trained to spot inefficiencies and help submit paperwork. The best thing about comparing insurance prices online is you can get lower rates and still have an agent to talk to.

For easy comparison, once you complete this short form, your insurance coverage information is emailed to local insurance agents who will give you bids for your insurance coverage. You don’t have to leave your computer as quotes are delivered straight to your inbox. Now that’s easy!

Deciding on an insurer needs to be determined by more than just a cheap price. Any agent should have no problem answering these questions:

• Do the coverages you’re quoting properly cover your vehicle?
• Does the agency support the community they serve?
• Are you getting all the discounts the company offers?
• How are claims handled?
• How much can you save by raising your physical damage deductibles?

Types of car insurance agents in Mishawaka

When looking for a local agent, there are a couple of different types of agents from which to choose. Agents are categorized either captive or independent. While both can do a good job, but it’s good to learn the difference between them since it can impact your selection of an agent.

Captive Insurance Agents

Captive insurance agents write business for a single company and examples are State Farm, AAA, Farmers Insurance or Allstate. They are unable to compare other company’s rates so they have to upsell other benefits. Captive agencies are usually quite knowledgeable in insurance sales which helps them compete with independent agents.

Shown below are captive agents in Mishawaka willing to provide comparison quotes.

Liberty Mutual Insurance – 5670 Grape Rd – Mishawaka, IN 46545 – (574) 273-0866
Farmers Insurance Group – 55966 Fir Rd – Mishawaka, IN 46545 – (574) 255-4455
Farm Bureau Insurance – 236 W Edison Rd # G – Mishawaka, IN 46545 – (574) 259-9947
Allstate Insurance – 245 W Edison Rd # 220 – Mishawaka, IN 46545 – (574) 258-5616
State Farm Insurance – 2029 N Cedar St – Mishawaka, IN 46545 – (574) 257-8220

Independent Agencies or Brokers

These agents do not work for one specific company but instead can place your coverage amongst many companies enabling the ability to shop coverage around. To move your coverage to a new company, an independent agent can move your coverage and that require little work on your part. When comparing rates, it’s a good idea to get quotes from at least one independent agent for the best price selection.

Listed below are Mishawaka independent agents that are able to give comparison quotes.

Wanbaugh Agency – 804 N Main St – Mishawaka, IN 46545 – (574) 255-9633
Michael Reddy Agency – 3505 Lincoln Way E – Mishawaka, IN 46544 – (574) 258-5555
Schindler-Richard Insurance – 112 Lincoln Way E – Mishawaka, IN 46544 – (574) 255-4784
Thompson Phifer Insurance – 2502 Lincoln Way W – Mishawaka, IN 46544 – (574) 254-2900
Waterfield Insurance Agency – 2410 Grape Rd # 5b – Mishawaka, IN 46545 – (574) 232-6931

To view a full list of Mishawaka insurance agents, go to this page.

Upon receiving satisfactory answers to any questions you have and a good coverage price, it’s possible that you found a car insurance agent that is a good match to service your policy.

Additional detailed information can be read at the Indiana Department of Insurance website. Visitors are able to find out which companies have the most complaints, get help finding coverage, and learn about specific coverages.