South Bend, IN Auto Insurance Buying Tips You Aren’t Supposed to Know

Tired of not being able to afford each month for car insurance? Your situation is no different than millions of other consumers. Numerous insurers battle for your hard-earned dollar, and it can be difficult to compare rates to discover the definitive lowest rate

If you have a current auto insurance policy or are looking for a new policy, you can use these tips to find the best rates and still get good coverage. Finding the best rates in South Bend is not rocket science. Indiana vehicle owners just need to know the most effective way to get comparison quotes online.

Free South Bend Auto Insurance Quotes

Cutting your South Bend auto insurance rates can be surprisingly simple. The only thing you need to do is spend a few minutes on the computer getting comparison quotes online with multiple companies. This can be accomplished in just a few minutes using one of these methods.

The single most time-saving way to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This method saves time by eliminating boring form submissions for each company you want a rate for. Taking the time to complete one form gets you coverage quotes from multiple low-cost companies.

A harder way to compare prices is to take the time to go to each individual company website to complete a price quote. For examples sake, let’s assume you want to compare Farmers, Progressive and Travelers. To find out each rate you need to spend time on each company’s site and enter your information, which is why most consumers use the first method.

For a handy list of car insurance company links in South Bend, click here.

Which method you use is up to you, but double check that you are using apples-to-apples coverages and limits with every price quote. If each company quotes unequal deductibles or liability limits it will be very difficult to determine the lowest rate in South Bend.

How much can you save with discounts?

Companies that sell car insurance don’t necessarily list every discount very clearly, so we researched some of the more common and the harder-to-find discounts you could be receiving. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

• Government Employees – Employees or retirees of the government can earn a discount up to 10% depending on your company.
• Seat Belts Save more than Lives – Requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.
• Accident Free – Drivers with accident-free driving histories pay less as compared to drivers who are more careless.
• New Car Discount – Buying coverage on a new vehicle is cheaper since new cars are generally safer.
• Student in College – Children who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates it’s possible to get free car insurance, you’re out of luck.

To see a list of companies with discount auto insurance rates in South Bend, click here.

Even more information is available at the Indiana Department of Insurance website. Indiana consumers can get help finding coverage, view agent and company licensing information, file complaints about a company, and find out industry alerts.

Other informative sites include Auto Insurance 101 and this list of insurance agents in South Bend.

And the best car insurance company is…

We’ve covered a lot of ways to reduce auto insurance prices online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may even find the lowest rates come from the least-expected company. They can often insure niche markets at a lower cost than the large multi-state companies such as State Farm, GEICO and Nationwide.

When trying to cut insurance costs, don’t be tempted to skimp on coverage in order to save money. There are many occasions where an insured cut full coverage only to discover later that it was a big mistake. The proper strategy is to buy enough coverage for the lowest price, not the least amount of coverage.