Are you looking for more competitive car insurance rates in Lebanon, IN? Finding more affordable car insurance is very difficult for drivers who are new to quoting coverage rates online. People have so many options that it can quickly become a burden to locate the lowest prices.

A recent NerdWallet.com study revealed that the vast majority of consumers have been with the same company for four years or more, and 38% of customers have never quoted car insurance rates at all. Lebanon drivers could save an average of up to $697 each year just by comparing rates, but they underestimate the large savings they would see if they switched.

It's important to shop coverage around before your policy renews because car insurance rates are adjusted regularly by insurance companies. If you had the best deal on car insurance six months ago you may be paying too much now. Forget anything you know (or think you know) about car insurance because I'm going to let you in on the secrets to the right way to find better coverage on car insurance at a better price.

Save money with these discounts

Companies that sell car insurance don't always publicize the entire discount list in a way that's easy to find, so we break down some of the best known and also the lesser-known discounts you could be receiving when you buy Lebanon car insurance online. If you check and find you aren't receiving every discount you qualify for, it's possible you qualify for a lower rate.Auto insurance discounts

Don't be shocked that most credits do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as comp or med pay. Even though it may seem like having all the discounts means you get insurance for free, you won't be that lucky.

Car insurance companies who may offer these money-saving discounts include:

Before buying, ask all the companies how many discounts you can get. Some discounts listed above might not be available to policyholders in Lebanon. To locate providers with discount rates in Lebanon, click this link.

When shopping for cheaper Lebanon car insurance quotes, there are a couple of ways to compare rate quotes from companies that offer car insurance in Indiana. One of the best ways to find the lowest rates is to use the internet to compare rates. When comparing car insurance rates, know that comparing more rates from different companies will improve the odds of getting a better price. Some insurance companies are not set up to provide quotes over the internet, so you need to compare price estimates from the smaller companies as well.

The car insurance companies shown below offer quotes in Indiana. If the list has multiple companies, we suggest you visit as many as you can to get the most affordable price.

Insurance Price Estimates for Popular Vehicles in Lebanon
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Crew Cab 4WD $826 $413 $69
Dodge Grand Caravan Crew $796 $398 $66
Dodge Ram Quad Cab ST 2WD $918 $459 $77
Ford Edge Limited 2WD $930 $465 $78
Ford Escape Limited 4WD $904 $452 $75
Ford F-150 Lariat Super Cab 4WD $968 $484 $81
Ford Focus SES 2-Dr Coupe $964 $482 $80
Ford Fusion SEL 4-Dr Sedan $1,164 $582 $97
Honda Accord EX-L 2-Dr Coupe $1,000 $500 $83
Honda CR-V LX 4WD $1,018 $509 $85
Honda Civic LX-S 4-Dr Sedan $810 $405 $68
Honda Odyssey EX $902 $451 $75
Hyundai Sonata Limited 4-Dr Sedan $978 $489 $82
Mazda 3 I Touring 4-Dr Sedan $784 $392 $65
Nissan Altima 2.5 4-Dr Sedan $884 $442 $74
Toyota Camry XLE $1,026 $513 $86
Toyota Corolla XRS $802 $401 $67
Toyota Prius $812 $406 $68
Toyota RAV4 2WD $840 $420 $70
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Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Table data does not factor in specific location which can affect insurance rates substantially.

Choosing deductibles

When comparing auto insurance rates, the most common question is which deductibles should you choose. The tables below determine the rate differences when you choose different comp and collision deductibles. The first set of prices uses a $250 deductible for comprehensive and collision coverage and the second set of prices uses a $500 deductible.

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

Nissan Sentra insurance rates 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 rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $154 $294 $280 $16 $84 $828 $69
Sentra 2.0 S $154 $348 $280 $16 $84 $882 $74
Sentra 2.0 SR $154 $348 $280 $16 $84 $882 $74
Sentra 2.0 SL $176 $348 $280 $16 $84 $904 $75
Sentra SE-R $176 $348 $280 $16 $84 $904 $75
Sentra SE-R SPEC V $176 $400 $280 $16 $84 $956 $80
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Prices 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, claim-free, homeowner, and multi-vehicle. Price information does not factor in garaging location in Lebanon which can alter coverage rates noticeably.

Based on the figures above, using a $250 deductible would cost the average driver about $12 more each month or $144 annually than selecting the higher $500 deductible. Due to the fact that you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you have at least 21 months between claim filings, you would more than likely save some money if you choose the higher deductible.

Your situation helps dictate your coverage

When it comes to the best auto insurance coverage for your vehicles, there isn't really a one size fits all plan. Your needs are not the same as everyone else's so your insurance should reflect thatDrive safe and save These are some specific questions might help in determining if your insurance needs might need an agent's assistance.

If you don't know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Cheaper auto insurance is out there

In this article, we presented some good ideas how to find cheaper coverage online. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting inexpensive Lebanon car insurance quotes. Drivers may even discover the biggest savings come from a smaller regional carrier. Smaller companies may have significantly lower premium rates on certain market segments than the large multi-state companies such as GEICO and State Farm.

When buying insurance coverage, it's not a good idea to buy poor coverage just to save money. In many instances, drivers have reduced liability coverage limits only to regret at claim time that the few dollars in savings costed them thousands. Your strategy should be to buy the best coverage you can find for the lowest cost and still be able to protect your assets.

Cheaper auto insurance in Lebanon is attainable online in addition to local insurance agencies, and you need to price shop both so you have a total pricing picture. Some insurance companies may not provide rates over the internet and many times these regional carriers only sell coverage through independent insurance agencies.

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