Did you make the mistake of buying high-priced insurance? You're preaching to the choir because many Valparaiso consumers feel financially strained by their insurance policy.

A recent study showed that the vast majority of consumers kept their coverage with the same insurance company for well over three years, and virtually 40% of consumers have never even compared rates from other companies. Consumers in Valparaiso could save nearly 55% a year by just shopping around, but they feel it's too difficult to find lower-cost insurance rates. Insurance companies such as Allstate, Liberty Mutual and State Farm promote their brand names with advertising and it can be hard to sift through the bull and take the time to shop coverage around.

It is always a good idea to do rate comparisons occasionally since prices change regularly. Despite the fact that you may have had the best rate on insurance six months ago the chances are good that you can find a lower premium rate today. Block out anything you think you know about insurance because I'm going to let you in on the secrets to how to quote online to properly buy coverages while reducing your premium.

If you are insured now or just want to reduce your rates, take advantage of these tips to get lower rates without reducing coverage. Locating the best insurance company for you in Valparaiso is not that difficult. Drivers just have to know the most efficient way to compare price quotes from many companies at once.

Car insurance companies in Valparaiso

The car insurance companies shown below have been selected to offer free quotes in Valparaiso, IN. If multiple companies are shown, it's a good idea that you visit as many as you can in order to find the lowest rates.

Insurance Costs for Popular Vehicles in Valparaiso
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 4WD $1,042 $521 $87
Chevrolet Equinox LTZ 2WD $1,048 $524 $87
Chevrolet Malibu LTZ $714 $357 $60
Chevrolet Silverado LT Crew Cab 4WD $912 $456 $76
Dodge Grand Caravan Hero $728 $364 $61
Dodge Ram Crew Cab ST 2WD $1,002 $501 $84
Ford Escape XLT 2WD $696 $348 $58
Ford Explorer Limited 2WD $786 $393 $66
Ford F-150 XLT Crew Cab 2WD $732 $366 $61
Ford Focus SE 4-Dr Sedan $850 $425 $71
Honda Accord EX 2-Dr Coupe $1,206 $603 $101
Honda CR-V EX 4WD $742 $371 $62
Honda Civic VP 4-Dr Sedan $796 $398 $66
Jeep Wrangler Rubicon 4WD 2-Dr $792 $396 $66
Mazda 3 S Sport 4-Dr Sedan $1,318 $659 $110
Nissan Altima 3.5 SR 2-Dr Coupe $1,340 $670 $112
Toyota Camry LE $742 $371 $62
Toyota Corolla XLE $784 $392 $65
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Price estimates do not factor in garaging location in Valparaiso which can increase or decrease coverage rates substantially.

Higher deductibles save money

One frequently asked question is which deductible level should you buy. The data tables below show the costs and benefits between high and low policy deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second pricing table uses a $1,000 deductible.

Nissan Sentra rates are for example purposes only. To get rates for your specific vehicle, click here.

Nissan Sentra insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $188 $366 $280 $16 $84 $959 $80
Sentra 2.0 S $188 $430 $280 $16 $84 $1,023 $85
Sentra 2.0 SR $188 $430 $280 $16 $84 $1,023 $85
Sentra 2.0 SL $216 $430 $280 $16 $84 $1,051 $88
Sentra SE-R $216 $430 $280 $16 $84 $1,051 $88
Sentra SE-R SPEC V $216 $496 $280 $16 $84 $1,117 $93
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Nissan Sentra insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $116 $230 $280 $16 $84 $726 $61
Sentra 2.0 S $116 $270 $280 $16 $84 $766 $64
Sentra 2.0 SR $116 $270 $280 $16 $84 $766 $64
Sentra 2.0 SL $134 $270 $280 $16 $84 $784 $65
Sentra SE-R $134 $270 $280 $16 $84 $784 $65
Sentra SE-R SPEC V $134 $312 $280 $16 $84 $826 $69
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Rate quotes do not factor in specific location information which can raise or lower rates noticeably.

Using the premium rates above, we can conclude that using a $250 deductible costs about $22 more each month or $264 each year than buying the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you go more than 34 months between claim filings, you would more than likely save some money by selecting a higher deductible.

Discount Valparaiso auto insurance rates

Auto insurance companies do not advertise every policy discount in an easy-to-find place, so below is a list a few of the more well known and also the lesser-known credits available to lower your premiums when you buy Valparaiso car insurance online.Auto insurance discounts

Discounts reduce rates, but you should keep in mind that many deductions do not apply to all coverage premiums. The majority will only reduce individual premiums such as liability and collision coverage. Even though the math looks like you could get a free auto insurance policy, you won't be that lucky.

A few of the larger companies and a selection of discounts are outlined below.

When getting a coverage quote, ask all companies you are considering to give you their best rates. Some credits might not be offered on policies in your area.

When should I discuss my situation with an agent?

When quoting and comparing a policy, there really isn't a best way to insure your cars. Your situation is unique and your auto insurance should unique, too.Higher deductibles save money For example, these questions may help you determine if your situation will benefit from professional help.

If you don't know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don't have a local agent, fill out this quick form or you can also visit this page to select a carrier It's fast, free and may give you better protection.

Can't I compare rate quotes from local Valparaiso insurance agents?

A lot of people just prefer to have an agent's advice and that is just fine! Most agents will help you protect your assets and help submit paperwork. The biggest benefit of comparing rate quotes online is the fact that drivers can get the lowest rates and still have a local agent.

Upon completion of this short form, your information gets sent to participating agents in Valparaiso that can provide free Valparaiso car insurance quotes for your insurance coverage. You never need to do any legwork because quoted prices will be sent immediately to you. If you have a need to compare prices from one company in particular, don't hesitate to go to their quote page and give them your coverage information.

Choosing the best company needs to be determined by more than just a cheap price. Here are some questions to ask:

Exclusive or Independent: There is a difference

If you need to find a local Valparaiso insurance agency, there are a couple of types of agencies and how they work. Insurance agencies in Valparaiso may be either exclusive or independent (non-exclusive). Either one can properly insure your vehicles, but it's good to learn why they differ since it can affect your selection of an agent.

Exclusive Insurance Agencies

Agents that elect to be exclusive write business for a single company and examples are Allstate, AAA, Farmers Insurance, and State Farm. They generally cannot shop your coverage around so they are skilled at selling on more than just price. Exclusive insurance agents are very knowledgeable on their products and sales techniques and that allows them to sell at a higher price point.

Independent Insurance Agents

Independent agencies are not limited to a single company and that is an advantage because they can write policies through many different insurance companies and find the cheapest rate. If prices rise, your policy is moved internally and the insured can keep the same agent.

If you are comparing insurance prices, it's a good idea to compare quotes from several independent agencies to have the best price comparison.

Persistence is the key to cheaper rates

We just presented a lot of ways to reduce insurance premium rates online in Valparaiso. The key concept to understand is the more rate quotes you have, the better your comparison will be. Consumers may even find the lowest priced insurance comes from some of the lesser-known companies. Some small companies often have lower prices on specific markets than the large multi-state companies such as State Farm, GEICO and Nationwide.

As you quote Valparaiso car insurance, do not buy less coverage just to save a little money. Too many times, drivers have reduced liability coverage limits only to find out that the small savings ended up costing them much more. Your goal should be to buy enough coverage at the lowest possible cost, but do not skimp to save money.

To learn more, link through to the resources below: