Want a free price quotes on more competitive insurance rates in Jeffersonville, IN? Searching for the lowest price quotes on the internet might seem rather challenging for consumers that are not comfortable with quoting and shopping for insurance on the web. Because there are so many insurers to choose from, how can consumers possibly compare the different rates to find lower insurance premiums?

Unfortunately, nearly 70% of customers renewed their policy with the same company for four years or more, and practically 40% of insurance customers have never shopped around. With the average insurance premium being $1,400, Indiana drivers could save roughly 55% each year by just comparing quotes, but they won't spend time to do a rate comparison.

Consumers should take time to compare prices on a regular basis because insurance rates trend upward over time. Even if you got the best premium rates on insurance a couple years back other companies may now be cheaper. Don't believe everything you read about insurance online but in this article, you're going to get a bunch of ideas how to reduce your insurance bill.

The best way to get policy rate comparisons is to know the trick most insurance companies participate in online systems to give rate comparisons. The one thing you need to do is give them rating details like how many miles driven, driver ages, if it has an anti-theft system, and how your vehicles are used. Those rating factors is then submitted to many different companies and you get price estimates with very little delay.

To check car insurance prices now, click here and find out if you can get cheaper insurance in Jeffersonville.

The auto insurance companies shown below can provide comparison quotes in Jeffersonville, IN. If multiple providers are shown, it's highly recommended you compare several of them in order to find the lowest rates.

Insurance Rate Estimates for Popular Vehicles in Jeffersonville
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LTZ AWD $1,080 $540 $90
Chevrolet Silverado LTZ Crew Cab 4WD $1,048 $524 $87
Dodge Ram Crew Cab ST 2WD $1,032 $516 $86
Ford Edge Limited AWD $886 $443 $74
Ford Escape XLT 4WD $566 $283 $47
Ford F-150 XLT Crew Cab 4WD $998 $499 $83
Ford Focus SE 4-Dr Sedan $712 $356 $59
Ford Fusion Hybrid 4-Dr Sedan $1,416 $708 $118
Honda Accord LX-S 2-Dr Coupe $1,114 $557 $93
Honda CR-V EX-L 2WD $932 $466 $78
Honda Civic EX 2-Dr Coupe $1,052 $526 $88
Honda Odyssey EX-L W/Rear Entertainment $922 $461 $77
Nissan Altima 2.5 S 4-Dr Sedan $784 $392 $65
Nissan Rogue SL 2WD $1,182 $591 $99
Toyota Camry SE $900 $450 $75
Toyota Corolla XRS $1,048 $524 $87
Toyota RAV4 Limited 2WD $1,206 $603 $101
Volkswagen Jetta SE 4-Dr Sedan $922 $461 $77
Get Your Own Custom Quote Go

Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Premium amounts do not factor in specific location which can impact rates noticeably.

Comparison of policy deductibles

When comparing auto insurance rates, the most common question is which deductible level should you buy. The figures shown below show the differences in price when you select higher and lower physical damage deductibles. The first data set uses a $250 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.

Ford Focus rates are for example purposes only. To get rates for your specific vehicle, click here.

Ford Focus insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $188 $366 $280 $16 $84 $959 $80
Focus SE 4-Dr Sedan $188 $366 $280 $16 $84 $959 $80
Focus SEL 4-Dr Sedan $188 $430 $280 $16 $84 $1,023 $85
Focus SES 4-Dr Sedan $188 $430 $280 $16 $84 $1,023 $85
Focus SE 2-Dr Coupe $216 $430 $318 $18 $94 $1,101 $92
Focus SES 2-Dr Coupe $216 $430 $318 $18 $94 $1,101 $92
Get a Quote for Your Vehicle Go
Ford Focus insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $116 $230 $280 $16 $84 $726 $61
Focus SE 4-Dr Sedan $116 $230 $280 $16 $84 $726 $61
Focus SEL 4-Dr Sedan $116 $270 $280 $16 $84 $766 $64
Focus SES 4-Dr Sedan $116 $270 $280 $16 $84 $766 $64
Focus SE 2-Dr Coupe $134 $270 $318 $18 $94 $834 $70
Focus SES 2-Dr Coupe $134 $270 $318 $18 $94 $834 $70
Get a Quote for Your Vehicle Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Premium costs do not factor in your specific Jeffersonville location which can decrease or increase auto insurance rates significantly.

Based on the figures above, using a $250 deductible costs an average of $21 more each month or $252 for a full year than selecting the higher $1,000 deductible. Because you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you go at a minimum 36 months between claim filings, you would save more money by going with a higher deductible.

Rate comparison of male drivers versus female drivers

The chart below shows the difference between car insurance rates for male and female drivers in Jeffersonville. The prices are based on no driving violations, no at-fault accidents, comp and collision included, $100 deductibles, drivers are not married, and no discounts are applied to the premium on a Honda Civic DX.

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

Physical damage deductibles

The information below demonstrates how deductible levels and can increase or decrease Chevrolet Silverado premium costs for different age groups. The price estimates are based on a single female driver, full physical damage coverage, and no additional discounts are factored in.

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

Don't assume everyone needs the same auto insurance coverage

When quoting and comparing adequate coverage, there really is no best way to insure your cars. Your needs are not the same as everyone else's.Higher deductibles save money

For example, these questions can help discover whether you would benefit from professional advice.

If you're not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form.

Insurance quotes from local Jeffersonville insurance agencies

Some people would rather have an agent's advice. An additional benefit of comparing insurance online is that you can obtain cheaper prices but still work with a licensed agent. And providing support for small agencies is important especially in Jeffersonville.

Jeffersonville insurance agentsTo help locate an agent, after submitting this short form, your insurance coverage information is instantly submitted to local insurance agents that can give you free Jeffersonville car insurance quotes for your coverage. It makes it easy because there is no need to search for an agent since rate quotes are delivered instantly to you. You can find better rates without the usual hassles of price shopping. If you wish to get a price quote from a particular provider, just navigate to their website and submit a quote form there.

Deciding on an provider shouldn't rely on just the quoted price. Before buying a policy in Jeffersonville, get answers to these questions.

Auto insurance claim information

Do you own a high-claim vehicle? The following tables show the best and worst makes and models for the overall chance of having claims for each type of coverage listed.

Medical Payment Insurance Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Ford Expedition Chevrolet Sonic
Chevrolet Silverado 3500 Nissan Sentra
Ford F-350 SuperCrew Hyundai Accent
Ford F-250 SuperCrew Mitsubishi Lancer
Chevrolet Corvette Chrysler 200
Tesla Model S Dodge Charger

Statistics from IIHS.org for 2013-2015 Model Years

Vehicle Models with the Lowest and Highest Bodily Injury Liability Claims
Lowest Overall Losses Highest Overall Losses
Subaru Forester Kia Optima
Chevrolet Corvette Chrysler 200
Volvo XC60 Chevrolet Sonic
Mercedes-Benz SL Class Hyndai Accent
Fiat 500 Kia Rio
Audi A6 Chevrolet Impala

Statistics from IIHS.org for 2013-2015 Model Years

Auto Insurance Comprehensive Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Chevy Silverado 2500 Maserati Granturismo
Nissan Xterra BMW M6
Chevy Spark Porsche Panamera GTS
Smart ForTwo Maserati Quattroporte
Volvo V60 Mercedes-Benz S Class
Infiniti QX50 BMW M6

Statistics from IIHS.org for 2013-2015 Model Years

Collision Coverage Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Jeep Wrangler Bently Continental GT
Chevrolet Colorado Maserati Ghibli
Ford Edge Nissan GT-R
GMC Canyon Bently Continental GTC
Ford F-250 SuperCab Ferrari 458
Ford F-150 SuperCrew BMW 6 Series

Statistics from IIHS.org for 2013-2015 Model Years