Want to learn how to find lower-priced insurance rates in Huntington, IN? Finding better insurance prices for your car in Indiana can turn out to be difficult, but you can follow the following methods to make it easier.

There is a right way and a wrong way to find insurance online and we'll show you the proper way to get price quotes on a and find the best price possible.

Amazingly, a large majority of drivers kept their policy with the same company for more than four years, and about 40% of consumers have never compared rates with other companies. Huntington drivers can save about 55% each year by just comparing rate quotes, but they just don't understand the amount of money they would save if they just switched companies.

All the larger insurance companies provide price estimates directly from their websites. Getting online rates doesn't take a lot of time as you simply type in your personal and coverage information as detailed in the form. When the form is submitted, the quote system sends out for information on your driving record and credit history and returns a price quote based on these and other factors.

Using the web to get price quotes makes it simple to compare prices and it's also necessary to have as many quotes as possible if you are searching for the most affordable insurance rates.

To find out how much you're overpaying now, check out the insurance providers below. If you have coverage now, it's recommended you type in the coverages as shown on your current policy. This ensures you are getting rate quotes for similar coverage.

The car insurance companies shown below offer free rate quotes in Huntington, IN. If the list has multiple companies, we suggest you compare several of them in order to find the cheapest rates.

Insurance Rates for Popular Vehicles in Huntington
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LTZ AWD $1,012 $506 $84
Chevrolet Impala LT $974 $487 $81
Chevrolet Malibu LS $654 $327 $55
Chevrolet Silverado LS Crew Cab 2WD $970 $485 $81
Dodge Grand Caravan Hero $744 $372 $62
Dodge Ram Quad Cab Laramie 2WD $998 $499 $83
Ford Escape Limited 2WD $862 $431 $72
Ford F-150 XLT Crew Cab 2WD $690 $345 $58
Ford Focus S 4-Dr Sedan $978 $489 $82
Honda Accord LX 4-Dr Sedan $652 $326 $54
Honda CR-V EX-L 4WD $846 $423 $71
Honda Civic GX 4-Dr Sedan $922 $461 $77
Jeep Wrangler Sport Islander Package 4WD 2-Dr $724 $362 $60
Mazda 3 S Sport 4-Dr Hatchback $922 $461 $77
Nissan Altima Hybrid 4-Dr Sedan $1,210 $605 $101
Toyota Camry SE $1,020 $510 $85
Toyota Corolla S $700 $350 $58
Volkswagen Jetta SE 4-Dr Sedan $1,318 $659 $110
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Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rates do not factor in specific Huntington garaging location which can influence coverage prices significantly.

Rate comparison for different deductibles

The information below shows how different deductible levels and can increase or decrease Honda Pilot insurance prices for each different age group. The data is based on a married female driver, full coverage, and no policy discounts are applied.

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

Analysis of deductible levels

One of the hardest decisions when shopping for auto insurance is which deductibles should you choose. The premium rates below can help show the differences in price when you choose different coverage deductibles. The first pricing table uses a $100 physical damage deductible and the second price chart uses a $1,000 deductible.

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

Chevrolet Malibu insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $242 $436 $280 $16 $84 $1,083 $90
Malibu Hybrid $242 $436 $280 $16 $84 $1,083 $90
Malibu LT $272 $436 $280 $16 $84 $1,113 $93
Malibu LTZ $272 $514 $280 $16 $84 $1,191 $99
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Chevrolet Malibu insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $134 $230 $280 $16 $84 $744 $62
Malibu Hybrid $134 $230 $280 $16 $84 $744 $62
Malibu LT $152 $230 $280 $16 $84 $762 $64
Malibu LTZ $152 $270 $280 $16 $84 $802 $67
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Price estimates do not factor in vehicle garaging location which can affect auto insurance rates noticeably.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs approximately $29 more each month or $348 a year than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 31 months between claims, you would save more money if you opt for a higher deductible.

Full coverage rates compared to liability-only

The information below shows the difference between Honda Civic premium costs with full coverage compared to only the Indiana minimum liability coverage. The data is based on no claims or driving citations, $500 deductibles, single female driver, and no policy discounts are applied.

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

When to eliminate full coverage

There is no written rule of when to exclude physical damage insurance, but there is a guideline you can consider. If the annual cost of having full coverage is 10% or more of the settlement you would receive from your company, then it might be time to consider dropping full coverage.

For example, let's assume your Honda Civic replacement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $8,000 after paying the physical damage deductible. If you are paying more than $800 annually for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

There are some scenarios where dropping full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage in place.

Special considerations

Always keep in mind that when comparing the right insurance coverage, there really is not a perfect coverage plan. You are unique.Drive safe and save

Here are some questions about coverages that could help you determine if your situation could use an agent's help.

If it's difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form. It's fast, free and may give you better protection.

When should I get advice from an insurance agent?

A lot of people still prefer to talk to an insurance agent and doing so can bring peace of mind Good agents can help determine the best coverages and will help you if you have claims. One of the great benefits of comparing rate quotes online is you may find the lowest rates and also buy local. Putting coverage with small agencies is still important in Huntington.

Insurance agency in HuntingtonAfter completing this simple form, your insurance data is transmitted to local insurance agents in Huntington that give free quotes to get your business. It's much easier because you don't need to search for an agent because quoted prices will be sent directly to your email. If you have a need to get a price quote from a specific company, don't hesitate to jump over to their website and submit a quote form there.

Deciding on an provider requires you to look at more than just a low price. The questions below may impact your decision as well.

If you feel you receive positive responses to any questions you have and a low price estimate, you may have just found an provider that meets your needs to service your policy. But keep in mind you are able to terminate your policy for any reason so don't feel you're contractually obligated to any specific company for the full term.

Best and worst vehicle claim statistics

Which vehicle models have a high chance of claims? The next tables list the best and worst manufacturer models for the probability of having to file claims for each type of coverage.

Vehicles with the Lowest and Highest Liability Insurance Claims
Lowest Claim Frequency Highest Claim Frequency
Subaru Outback Hyndai Accent
Subaru Forester Dodge Charger
Audi A6 Mitsubishi Lancer
Volvo XC60 Kia Rio
Acura MDX Chevrolet Sonic
Fiat 500 Chevrolet Cruze

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

Vehicle Make and Models with the Lowest and Highest Collision Claims
Lowest Claim Frequency Highest Claim Frequency
GMC Canyon Audi RS7
Ford Edge Bently Continental GT
Ford F-150 SuperCrew Bentley Continental Flying Spur
Ford F-250 SuperCab BMW M6
Nissan Xterra Nissan GT-R
Jeep Wrangler Maserati Granturismo

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

Lowest and Highest Comprehensive Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Volvo V60 Audi S7
GMC Sierra 2500 Maserati Quattroporte
Ford F-350 Bentley Continental GTC
Smart ForTwo Porsche Panamera GTS
Nissan Xterra Bentley Continental GT
Chevy Spark BMW M6

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

Lowest and Highest Auto Insurance Medical Payment Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Ford F-250 SuperCrew Dodge Charger
Chevrolet Silverado 3500 Chrysler 200
Chevrolet Corvette Chevrolet Spark
Ford Expedition Nissan Versa
Audi A4 Allroad Mitsubishi Mirage
Land Rover Range Rover Sport Mitsubishi Lancer

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