Top 5 Ways to Save on Auto Insurance in Carmel, Indiana
- Nate Jones, CPCU, ARM, CLCS, AU
- 3 days ago
- 2 min read
Auto insurance is essential for every driver, but that doesn’t mean you have to pay more than necessary. If you live in Carmel, Indiana, there are several strategies you can use to reduce your premiums without sacrificing coverage. Here are the top five ways to save on auto insurance:
Rates vary significantly between insurance companies, even for similar coverage. Shopping around ensures you find the most competitive price. Working with an independent agency like Wexford Insurance makes this easier because we compare multiple carriers for you.
2. Bundle Your Policies
Bundling your auto insurance with other policies, such as homeowners, renters, or even life insurance, is one of the easiest ways to save money. Most insurance companies offer multi-policy discounts that can reduce your overall premium by 10% to 25%. Beyond savings, bundling simplifies your life. If you own multiple vehicles or have additional coverage needs, bundling them under one provider can unlock even more discounts. Always ask your agent to calculate the total savings before you commit.
3. Maintain a Clean Driving Record
Your driving history is one of the biggest factors in determining your auto insurance premium. Accidents, speeding tickets, and other violations can significantly increase your rates for several years. On the flip side, maintaining a clean record can qualify you for safe driver discounts, which often range from 10% to 20%. Defensive driving courses can further reduce costs and demonstrate your commitment to safety. In short, cautious driving not only keeps you safe but also helps you keep more money in your pocket.
4. Increase Your Deductible
If you can afford a higher out-of-pocket cost in case of an accident, raising your deductible can significantly lower your monthly premium. Just make sure the deductible amount is manageable for your budget.
5. Ask About Discounts
Insurance companies often provide discounts for things like:
Low mileage
Good student performance
Installing safety features in your car
Completing defensive driving courses
Always ask your agent to review all available discounts, you might qualify for more than you think.
Why Choose Wexford Insurance?
At Wexford Insurance, we specialise in helping Carmel drivers secure affordable, comprehensive coverage. Our team works with top carriers to ensure you get competitive rates tailored to your needs.
Ready to start saving?
