Do you want a faster way to compare low-cost insurance rates in Marion, IN? Pricey insurance in Marion can take a big chunk out of your savings and force you to make sacrifices. Comparison shopping can save money and help to tighten up your finances.

Sadly, over 70% of consumers renewed their policy with the same company for at least four years, and just under half have never quoted insurance rates at all. Marion drivers could save nearly $700 every year just by getting comparison quotes, but they don't want to take the time to compare rate quotes online. Many insurers vie for your business, and because of this it can be hard to compare insurers and uncover the absolute best rate on insurance.

It's a good habit to get comparison quotes before your policy renews because rates change frequently. If you had the best premium rates on insurance six months ago the chances are good that you can find a lower price today. Ignore everything you know about insurance because you're about to find out how to quote online to find great coverage at a great price.

Auto insurance companies in Indiana

The companies in the list below have been selected to offer quotes in Marion, IN. If the list has multiple companies, it's highly recommended you visit two to three different companies to get the best price comparison.

Insurance Price Estimates for Popular Vehicles in Marion
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu LTZ $1,074 $537 $90
Chevrolet Silverado LS Crew Cab 2WD $1,062 $531 $89
Dodge Ram Quad Cab Laramie 4WD $794 $397 $66
Ford Escape Limited 2WD $818 $409 $68
Ford F-150 XLT Crew Cab 2WD $910 $455 $76
Ford Focus SE 2-Dr Coupe $1,122 $561 $94
Honda Accord EX-L 2-Dr Coupe $1,104 $552 $92
Honda CR-V EX-L 4WD $762 $381 $64
Honda Civic Hybrid 4-Dr Sedan $1,062 $531 $89
Honda Odyssey LX $866 $433 $72
Jeep Grand Cherokee Limited 4WD $1,198 $599 $100
Jeep Wrangler Rubicon 4WD 2-Dr $702 $351 $59
Nissan Altima Hybrid 4-Dr Sedan $1,084 $542 $90
Nissan Rogue S AWD $1,008 $504 $84
Toyota Camry Hybrid $1,084 $542 $90
Toyota Corolla LE $922 $461 $77
Toyota Tacoma Double Cab 4WD $956 $478 $80
Volkswagen Jetta SE 2.5 Station Wagon $998 $499 $83
Get Your Own Custom Quote Go

Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Price estimates do not factor in your specific Marion location which can alter coverage prices substantially.

Policy deductible comparison

The example below illustrates how your choice of deductibles and can change Toyota Camry annual premium costs for each different age category. The data is based on a married female driver, comp and collision included, and no policy discounts are applied.

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

Reduce your insurance rates with discounts

Insurance can be prohibitively expensive, but you might find some hidden discounts that many consumers don't even know exist. Some discounts apply automatically when you quote, but less common discounts must be asked about before you get the savings.Insurance discounts

One last thing about discounts, most of the big mark downs will not be given the the whole policy. A few only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, it doesn't quite work that way.

Car insurance companies who might offer these money-saving discounts may include but are not limited to:

If you need lower rates, check with each company or agent which discounts can lower your rates. Depending on the company, some discounts may not be offered in Marion. To view companies with the best discounts in Marion, follow this link.

Informed drivers know how to buy insurance cheaper

Many different elements are used in the calculation when you quote your car insurance policy. Some factors are common sense such as your driving record, but others are more transparent such as your marital status or your vehicle rating.

Save money by eliminating extra coverages - There are a ton of optional add-on coverages that you can buy when buying insurance. Coverage for things like vanishing deductibles, accident forgiveness, and membership fees could be just wasting money. The coverages may be enticing when talking to your agent, but if you don't need them consider taking them off your policy.

Rates impacted by your city - Being located in smaller towns and rural areas of the country has definite advantages if you are looking for the lowest rates. Fewer drivers corresponds to lower accident rates and a lower car theft rate. Residents of big cities have to deal with much more traffic and longer commutes to work. More time commuting can result in more accidents.

How old are your drivers? - Young drivers in Indiana are proven to be more careless when at the wheel of a vehicle therefore insurance rates are much higher. More mature drivers are more cautious drivers, are lower risk to insure, and tend to be get fewer driving tickets.

Allowing your policy to lapse raises prices - Driving without insurance is a big no-no and as a result your rates will increase for letting your insurance coverage expire. Not only will you pay higher rates, getting caught without coverage might get you a steep fine or even jail time. You may then have to prove you have insurance by filing a SR-22 with the Indiana department of motor vehicles.

Getting married can save you money - Getting married may save some money when buying insurance. It generally demonstrates drivers are more stable financially and it's statistically proven that drivers who are married are more cautious.

Premiums increase with driving tickets - Just one chargable violation may cause rates to rise by as much as thirty percent. Careful drivers tend to pay less for car insurance compared to drivers with tickets. Drivers who have careless citations like DWI, reckless driving or hit and run convictions might be required by their state to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to prevent a license revocation.

Affects performance affects rates - The make and model of the car you are insuring makes a significant difference in determining your rates. Economy passenger vehicles usually have the lowest premiums, but the final cost of insurance is determined by many other factors.

Bundle home and auto and save - Lots of companies will award discounts for people that purchase more than one policy such as combining an auto and homeowners policy. Even if you're getting this discount it's still a good idea to check prices from other companies to confirm you are receiving the best rates possible. Drivers may still save even more by splitting coverages up.

How to know if you need help

Always remember that when buying coverage online or from an agent, there really isn't a single plan that fits everyone. Everyone's situation is unique so this has to be addressed.Higher deductibles save money For example, these questions may help highlight whether or not you would benefit from professional advice.

If you don't know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It's fast, doesn't cost anything and you can get the answers you need.

Do I need an insurance agent?

Many drivers prefer to go talk to an agent and that can be a smart move Professional insurance agents can make sure you are properly covered and give you someone to call. One of the benefits of price shopping on the web is you can get lower rates and still have an agent to talk to. Buying from local insurance agencies is definitely important in Marion.

Find insurance agent in MarionBy using this form (opens in new window), your insurance coverage information is sent to insurance agents in Marion who will give you quotes for your business. It makes it easy because there is no need to leave your computer since rate quotes are delivered to you. If you have a need to quote rates from a specific auto insurance provider, you can always search and find their rate quote page and give them your coverage information.

Choosing the best insurance company requires more thought than just a cheap price. Any agent in Marion should be willing to answer these questions.

Once you have received answers to your satisfaction to any questions you may have and affordable Marion auto insurance quotes, chances are good that you have found a company that can provide auto insurance coverage. But keep in mind consumers can cancel a policy at any time so don't assume that you're stuck with a specific company indefinitely.

Car insurance claims by make and model

Which vehicles statistically have the most claims? The tables below list the highest and lowest vehicle makes and models for overall likelihood of having claims for each type of coverage.

Lowest and Highest Medical Payment Insurance Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Silverado 3500 Mitsubishi Lancer
Chevrolet Silverado 2500 Chevrolet Sonic
Ford F-250 SuperCrew Nissan Sentra
Ford F-350 SuperCrew Mitsubishi Mirage
Chevrolet Corvette Kia Forte
Ford Expedition Chrysler 200

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Manufacturer Models with the Lowest and Highest Bodily Injury Liability Claims
Lowest Claim Frequency Highest Claim Frequency
Audi A6 Kia Optima
Subaru Forester Chrysler 200
Volvo XC60 Chevrolet Sonic
Acura MDX Dodge Charger
Chevrolet Corvette Chevrolet Impala
Mercedes-Benz SL Class Kia Rio

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Lowest and Highest Comprehensive Insurance Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Nissan Xterra Maserati Quattroporte
Chevy Silverado 2500 Maserati Granturismo
GMC Sierra 2500 BMW M6
Infiniti QX50 Bentley Continental GT
Ford F-350 BMW M6
Chevy Spark Bentley Continental GTC

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Collision Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Nissan Xterra Ferrari 458
Smart ForTwo Maserati Granturismo
Ford F-250 SuperCab BMW M6
Mini Cooper Bently Continental GT
Ford Edge BMW 6 Series
Ford F-150 SuperCrew Audi RS7

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Find cheap rates by being thorough

There are still a few companies who don't offer internet price quotes and usually these regional carriers only sell through independent insurance agencies. Budget-friendly insurance in Marion can be sourced online and from local insurance agents, so you should compare both so you have a total pricing picture.

While you're price shopping online, do not buy less coverage just to save a little money. Too many times, an accident victim reduced comprehensive coverage or liability limits and discovered at claim time they didn't purchase enough coverage. The aim is to purchase a proper amount of coverage for the lowest price, but do not sacrifice coverage to save money.

More information can be read at the links below