Want to learn a better way to compare low-cost insurance rates in Griffith, IN? If you're searching for lower-priced insurance on the web, are you intimidated by the dozens of insurance choices in your area? Lot's of other people are too. Drivers have so many choices to choose from that it can quickly become a difficult challenge to compare premium rates on insurance. Griffith is a great place to live, but expensive insurance rates can make it hard for many residents to purchase enough protection.

A recent study showed that most insurance buyers have bought insurance from the same company for at least the last four years, and 38% of drivers have never quoted insurance rates at all. Griffith consumers could save roughly 55% each year by just comparing rate quotes, but they don't know the benefits if they swap their current policy for a cheaper one.

When shopping for car insurance there are multiple ways to compare rate quotes from car insurance companies in your area. The recommended way to do a complete rate comparison involves getting comparison quotes online. Keep in mind that making a lot of price comparisons helps locate a lower rate than you're paying now.

The providers in the list below provide price quotes in Indiana. If the list has multiple companies, it's highly recommended you compare several of them in order to get a fair rate comparison.

Insurance Costs for Popular Vehicles in Griffith
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LT 2WD $870 $435 $73
Chevrolet Silverado LTZ Extended Cab 4WD $802 $401 $67
Dodge Grand Caravan SXT $1,122 $561 $94
Dodge Ram Crew Cab Sport 4WD $1,144 $572 $95
Ford Escape Limited 2WD $566 $283 $47
Ford F-150 XLT Crew Cab 2WD $940 $470 $78
Ford Focus S 4-Dr Sedan $1,068 $534 $89
Honda Accord EX-L 2-Dr Coupe $1,116 $558 $93
Honda CR-V EX 2WD $626 $313 $52
Honda Civic GX 4-Dr Sedan $802 $401 $67
Hyundai Elantra GLS 4-Dr Sedan $1,178 $589 $98
Jeep Grand Cherokee Laredo 4WD $848 $424 $71
Jeep Wrangler Unlimited Sport 2WD 4-Dr $746 $373 $62
Kia Optima EX $980 $490 $82
Nissan Altima Hybrid 4-Dr Sedan $922 $461 $77
Toyota Camry LE $884 $442 $74
Toyota Corolla LE $784 $392 $65
Toyota RAV4 Sport 2WD $826 $413 $69
Toyota Tacoma 2WD $640 $320 $53
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Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Premium costs do not factor in specific zip code location which can lower or raise insurance rates greatly.

Analysis of deductible levels

The example below demonstrates how deductibles and can increase or decrease Toyota Camry insurance costs for different age categories. The premium estimates are based on a single female driver, full physical damage coverage, and no discounts are taken into consideration.

Toyota Camry rates are for example purposes only. To get rates for your specific vehicle, click here.

Rate comparison of male drivers versus female drivers

The illustration below shows the difference between car insurance costs for male and female drivers in Griffith. The premiums assume no claims, a clean driving record, full coverage, $250 deductibles, drivers are single, and no additional discounts are factored in on a Nissan Altima 2.5.

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

Higher deductibles lower rates

One of the most common car insurance questions is which deductible level should you buy. The tables below can help illustrate the price difference between high and low comp and collision deductibles. The first rate estimation uses a $250 comprehensive and collision deductible and the second price table uses a $500 deductible.

Chevrolet Malibu rates are for example purposes only. To get rates for your specific vehicle, click here.

Chevrolet Malibu insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $216 $366 $280 $16 $84 $987 $82
Malibu Hybrid $216 $366 $280 $16 $84 $987 $82
Malibu LT $244 $366 $280 $16 $84 $1,015 $85
Malibu LTZ $244 $430 $280 $16 $84 $1,079 $90
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Chevrolet Malibu insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $176 $294 $280 $16 $84 $850 $71
Malibu Hybrid $176 $294 $280 $16 $84 $850 $71
Malibu LT $200 $294 $280 $16 $84 $874 $73
Malibu LTZ $200 $348 $280 $16 $84 $928 $77
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Price estimates do not factor in vehicle garaging location which can decrease or increase rates greatly.

Based on the data above, we can derive that using a $250 deductible costs about $12 more each month or $144 annually than quoting the higher $500 deductible. Because you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you normally go more than 21 months between claim filings, you would more than likely save some money if you elect the higher deductible.

Get cheap car insurance with discounts

Some insurers don't always list the complete list of policy discounts in an easy-to-find place, so we took the time to find some of the more common and also the more inconspicuous ways to save on car insurance.Save money with discounts

While discounts sound great, it's important to understand that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce individual premiums such as comp or med pay. Even though it appears you would end up receiving a 100% discount, you won't be that lucky.

A few popular companies and a summarized list of policyholder discounts include:

If you are trying to find inexpensive Griffith car insurance quotes, ask every insurance company what discounts are available to you. Discounts may not apply to policies everywhere. To see a list of insurers who offer discounts in Indiana, click here to view.

Auto insurance protects more than just your car

Despite the fact that auto insurance is not cheap in Griffith, auto insurance is required in Indiana but also provides important benefits.

First, the majority of states have minimum liability requirements which means it is punishable by state law to not carry a specific minimum amount of liability insurance in order to license the vehicle. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you took out a loan on your car, it's most likely the lender will force you to buy full coverage to guarantee their interest in the vehicle. If the policy lapses, the bank may buy a policy for your vehicle at a much higher rate and force you to reimburse them a much higher amount than you were paying before.

Third, auto insurance protects both your vehicle and your assets. It will also cover medical bills for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, will also pay to defend you if you are sued as the result of an accident. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.

The benefits of buying auto insurance are without a doubt worth the cost, particularly for liability claims. But the average driver in Indiana is wasting up to $810 a year so shop around at every policy renewal to ensure rates are inline.

Tailor your insurance coverage to you

Always remember that when buying proper insurance coverage for your vehicles, there really isn't a one-size-fits-all type of policy. You are unique and a cookie cutter policy won't apply.Drive safe and save These are some specific questions can aid in determining if your insurance needs may require specific advice.

If you're not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.