The type of vehicle you are seeking coverage for is probably the biggest factor when trying to find cheaper auto insurance for real estate agents. Vehicles with lower acceleration and performance, a great safety record, or low incidents of liability claims will cost less to insure than higher performance models.
The data below presents insurance rates for a number of the most cost-effective vehicles to insure.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Honda CR-V EX 4WD||$568|
|Ford Escape XLT 4WD||$642|
|Chevrolet Impala LT||$657|
|Ford F-150 FX4 Super Cab 4WD||$669|
|Toyota Tacoma Double Cab TRD Sport Package 4WD||$676|
|Dodge Grand Caravan SXT||$669|
|Dodge Ram Quad Cab ST 2WD||$670|
|Jeep Wrangler Unlimited Sport 4WD 4-Dr||$677|
|Ford Fusion SEL 4-Dr Sedan||$706|
|Kia Optima LX||$716|
|Toyota RAV4 2WD||$721|
|Volkswagen Jetta 2.0T Station Wagon||$727|
|Ford Focus SES 2-Dr Coupe||$743|
|Hyundai Sonata SE 4-Dr Sedan||$752|
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Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Table data does not factor in vehicle garaging location which can affect premiums significantly.
Looking at the rates, you can presume that models like the Honda CR-V, Toyota Prius, Ford Escape, and Chevrolet Impala should be a few of the less-costly vehicles to insure for realtors.
Shopping around for cheap car insurance is not most people's favorite thing to do, and figuring out which companies offer the lowest-priced car insurance rates for real estate agents in Indiana may require even more rate comparisons. Each insurer has their own unique process for establishing rates, so first let's look at the rankings for the car insurance companies with the overall best prices in Indiana.
We do need to point out that Indiana car insurance rates are impacted by many factors that will increase or decrease the price you pay. This is why drivers need to shop around with many companies when trying to get affordable auto insurance quotes for real estate agents. Auto insurance prices are influenced by many factors and can change substantially, so the most economical option three years ago may now be costing you a lot of money.
Best Insurance Companies for Realtors
Travelers may offer some of the cheapest car insurance rates in Indiana at around $602 annually. This is $638 less than the average rate paid by Indiana drivers of $1,240. Cincinnati Insurance, USAA, Erie, and Western Reserve also qualify as some of the most economical Indiana insurance companies.
As shown in the table above, if you have coverage with Erie and switched to Cincinnati Insurance, you might realize a yearly savings of approxmiately $42. Policyholders with Western Reserve might save as much as $180 a year, and Indiana Farmers Mutual policyholders might reduce prices by as much as $191 a year.
To discover how much you can save, click here or visit any of the low-priced companies below.
Understand that those policy rates are averaged for all types of drivers and the different vehicles they drive and do not take into consideration a rate discount for real estate agents. So the car insurance company that is best suited for you may not even be in the top 36 companies shown above. That helps illustrate why you need to get quotes using your own personal information and vehicle type.
Picking the highest-rated insurance company is difficult considering how many choices you have in Indiana. The company information in the next section could help you choose which providers you want to consider comparing rate quotes with.
The rankings below include insurance companies that insure vehicles in the majority of U.S. states, so smaller companies will not be included in these rankings. To compare price quotes from the insurers below and more, click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
The diagram below shows how choosing a deductible can affect insurance costs when getting quotes for cheap insurance for real estate agents in Indiana. The price estimates are based on a married male driver, comp and collision included, and no other discounts are factored in.
In the chart above, a 40-year-old driver could pocket $198 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $296 by changing to a $1,000 deductible. Younger drivers, like the 20-year-old example, can save up to $652 annually by using higher deductibles when buying full coverage.
When raising deductibles, it will be important to have plenty of money set aside to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
You are probably paying too much for car insurance
Indiana car insurance rates are calculated based on many things that control your annual premium. Simply improving your credit, getting divorced, or getting into an accident can trigger price changes that may make certain companies affordable when they were higher priced. Not only may your risk profile change, but companies change premium rates without warning to ensure their profitability. An unexpected high level of claims can cause increased rates, while lower claim levels can cause cheaper Indiana car insurance rates.
The data below shows which company has the cheapest car insurance in Indiana for a 35-year-old female driver with no accidents, a clean driving record, and great credit. If we estimate rates based on her personal profile, Travelers might offer the lowest car insurance rates in Indiana at $602 per year. This is $638 less than the average policy premium paid by Indiana drivers of $1,240. Cincinnati Insurance, USAA, Erie, and The Hartford are the remainder of the cheapest Indiana auto insurance companies.
In this example, we will give the driver from the first rate comparison a claim or two, a lower credit rating, and a traffic citation. Due to the fact that each insurance company uses a different method to determine rates, comparing quotes may result in a slightly different list of the cheapest Indiana car insurance companies as shown below.
Western Reserve now has the lowest price on auto insurance in Indiana with Auto-Owners, Cincinnati Insurance, USAA, and Nationwide also being competitive. This example shows why it is critical to compare many different companies when trying to find affordable car insurance quotes for real estate agents.
Insurance rates can be altered by many different factors and can decrease or increase without notice, so the best company the last time you shopped around may now be an over-priced policy.