Are you tired of overpaying and want the cheapest auto insurance rates in Indianapolis, IN? Indianapolis buyers have lots of choices when searching for affordable car insurance. You can either waste hours calling around getting price quotes or save time using the internet to find the lowest rates. There are more efficient ways to find auto insurance online so we're going to tell you the proper way to quote coverages for your and locate the cheapest rates from both online companies and Indianapolis agents.

It's astonishing, but the vast majority of drivers have purchased from the same company for well over three years, and practically 40% of auto insurance customers have never taken the time to shop around. The average driver in Indiana could save about 55% each year by just comparing quotes, but most tend to underestimate the large savings they would see if they switched to a cheaper policy.

You need to compare prices every six months due to the fact that insurance prices tend to go up over time. Just because you had the best rate on auto insurance at your last renewal you will most likely find a better premium rate today. There is lot of inaccurate information about auto insurance out there, but in this article, you're going to get a lot of great tips on how to stop overpaying for insurance in Indianapolis.

Getting a cheaper price on insurance is not a difficult process. Just take the time comparing rate quotes provided by online insurance companies.

The auto insurance companies shown below offer comparison quotes in Indiana. If multiple companies are listed, we suggest you visit several of them in order to find the most competitive rates.

Insurance Rates for Popular Vehicles in Indianapolis
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu LS $654 $327 $55
Chevrolet Silverado LTZ Extended Cab 4WD $802 $401 $67
Dodge Ram Crew Cab Sport 4WD $1,144 $572 $95
Ford Edge SEL 2WD $728 $364 $61
Ford Escape XLT 4WD $846 $423 $71
Ford Explorer XLT 4WD $776 $388 $65
Ford F-150 XLT Crew Cab 4WD $1,098 $549 $92
Ford Focus S 4-Dr Sedan $756 $378 $63
Honda Accord EX 2-Dr Coupe $1,064 $532 $89
Honda CR-V LX 2WD $710 $355 $59
Honda Civic LX-S 4-Dr Sedan $1,024 $512 $85
Mazda 3 S Sport 4-Dr Hatchback $714 $357 $60
Nissan Altima 3.5 SR 4-Dr Sedan $948 $474 $79
Nissan Rogue SL 2WD $714 $357 $60
Toyota Camry LE $992 $496 $83
Toyota Corolla LE $1,060 $530 $88
Toyota Prius $888 $444 $74
Volkswagen Jetta S 4-Dr Sedan $974 $487 $81
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Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Rates do not factor in specific garaging location which can increase or decrease premium rates greatly.

Raise deductibles and save

A question often asked by Indianapolis drivers is where should you set your physical damage deductibles. The following insurance rates outline the differences in premium rates between low and high policy deductibles. The first data table uses a $250 deductible for comprehensive and collision coverage and the second rate table uses a $1,000 deductible.

Hyundai Sonata rates are for example purposes only. To get rates for your specific vehicle, click here.

Hyundai Sonata insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $216 $366 $318 $18 $94 $1,037 $86
Sonata GLS 4-Dr Sedan $216 $366 $318 $18 $94 $1,037 $86
Sonata GLS 4-Dr Sedan $216 $366 $318 $18 $94 $1,037 $86
Sonata SE 4-Dr Sedan $216 $430 $318 $18 $94 $1,101 $92
Sonata SE 4-Dr Sedan $216 $430 $318 $18 $94 $1,101 $92
Sonata Limited 4-Dr Sedan $244 $430 $318 $18 $94 $1,129 $94
Sonata Limited 4-Dr Sedan $244 $430 $318 $18 $94 $1,129 $94
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Hyundai Sonata insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $134 $230 $318 $18 $94 $794 $66
Sonata GLS 4-Dr Sedan $134 $230 $318 $18 $94 $794 $66
Sonata GLS 4-Dr Sedan $134 $230 $318 $18 $94 $794 $66
Sonata SE 4-Dr Sedan $134 $270 $318 $18 $94 $834 $70
Sonata SE 4-Dr Sedan $134 $270 $318 $18 $94 $834 $70
Sonata Limited 4-Dr Sedan $152 $270 $318 $18 $94 $852 $71
Sonata Limited 4-Dr Sedan $152 $270 $318 $18 $94 $852 $71
Get a Quote for Your Vehicle Go

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, homeowner, safe-driver, claim-free, and multi-vehicle. Premium costs do not factor in Indianapolis location which can revise rates greatly.

Based on these figures, using a $250 deductible would cost the average driver about $21 more each month or $252 a year than requesting the higher $1,000 deductible. Since you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have more than 36 months between claim filings, you would save money going with the higher deductible.

Deductible analysis

The chart below demonstrates how deductibles and can affect Hyundai Sonata insurance costs for different categories of driver ages. The information is based on a single female driver, comp and collision included, and no discounts are applied.

Hyundai Sonata rates are for example purposes only. To get rates for your specific vehicle, click here.

Rate comparison of males versus females in Indianapolis

The chart below visualizes the comparison of auto insurance costs for male and female drivers in Indianapolis. The rates are based on no accidents, no driving violations, comprehensive and collision coverage, $500 deductibles, marital status is single, and no additional discounts are factored in on a Hyundai Elantra Blue.

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

Do you qualify for discounts?

Some insurers don't necessarily list every available discount in an easy-to-find place, so the list below details both the well known and also the more inconspicuous credits available to bring down your rates.Car insurance discounts

Don't be shocked that some credits don't apply to the entire policy premium. Most only cut specific coverage prices like medical payments or collision. Despite the fact that it seems like you could get a free car insurance policy, companies wouldn't make money that way.

A list of companies and a summarized list of policyholder discounts are included below.

If you need lower rates, check with each company or agent what discounts are available to you. Some credits may not be offered in every state. To choose car insurance companies who offer free car insurance quotes in Indiana, click here.

Get more affordable costs by understanding these factors

Multiple criteria are considered when premium rates are determined. Some of the criteria are obvious like your driving record, although others are not quite as obvious such as whether you are married or how safe your car is.

The list below includes just a few of the factors used by companies to determine premiums.

Compare rate quotes but work with a neighborhood Indianapolis auto insurance agent

A lot of people would prefer to sit down with an agent and that is recommended in a lot of cases Professional agents can help determine the best coverages and help submit paperwork. A good thing about comparing insurance online is that drivers can save money and get cheap rate quotes but still work with a licensed agent.

After completing this simple form, the coverage information is immediately sent to agents in your area who will gladly provide quotes to get your business. You don't have to do any legwork since rate quotes are delivered directly to your email. If you wish to compare rates from a specific insurance provider, you would need to search and find their rate quote page and submit a quote form there.

Deciding on an insurance company should depend on more than just the bottom line cost. The answers to these questions are important, too.

If you would like to find a good insurance agency, it's helpful to know the different agency structures and how they differ in how they quote coverages. Agents in Indianapolis are classified as either independent or exclusive. Both can sell and service insurance coverage, but it's worth mentioning the difference between them because it can impact which type of agent you select.

Exclusive Agents

Agents in the exclusive channel normally can only provide a single company's rates and examples are State Farm, AAA, and Liberty Mutual. They generally cannot provide other company's prices so they have to upsell other benefits. These agents receive extensive training on sales techniques which aids in selling service over price. Some insured continue to buy from the same agent for years mainly due to high brand loyalty and strong financial ratings.

The following is a short list of exclusive agents in Indianapolis that are able to give comparison quotes.

View more Indianapolis agents

Independent Agents

Agents that elect to be independent are not locked into one company and that allows them to write policies with lots of companies and find the cheapest insurance rates. If they find a cheaper price, your agent can just switch to a different company and you don't have to switch agencies. If you are comparing insurance prices, it's a good idea to compare quotes from a couple of independent agencies in order to have the best price comparison. Most have the option of insuring with less well-known companies who may have lower rates.

Listed below is a list of independent agencies in Indianapolis that are able to give price quotes.

View more Indianapolis agents

Once you have received positive responses to any questions you may have as well as an affordable premium quote, you have narrowed it down to a car insurance agent that is professional and can service your policy.

Different people need different auto insurance coverages

When quoting and comparing insurance from an agent or online, there really isn't a perfect coverage plan. Every situation is different.Drive safe and save

These are some specific questions may help highlight if your situation could use an agent's help.

If you can't answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It's fast, free and can provide invaluable advice.

Insurance losses by coverage

Which vehicles have good claim ratings? The statistics below list the best and worst manufacturer models for the probability of having to file claims for each type of coverage.

Vehicle Models with the Lowest and Highest Comprehensive Insurance Claims
Lowest Claim Amount Highest Claim Amount
GMC Sierra 2500 Mercedes-Benz S Class
Ford F-350 Bentley Continental GTC
Chevy Silverado 2500 Audi S7
Nissan Xterra Maserati Quattroporte
Chevy Spark BMW M6
Nissan Leaf Bentley Continental GT

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Vehicle Models with the Lowest and Highest Car Insurance Collision Claims
Lowest Claim Amount Highest Claim Amount
Jeep Wrangler Bently Continental GTC
Ford F-250 SuperCab BMW M6
Nissan Xterra Maserati Granturismo
Smart ForTwo Ferrari 458
Ford Edge Bently Continental GT
Mini Cooper Nissan GT-R

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Vehicle Make and Models with the Lowest and Highest Liability Insurance Claims
Lowest Claim Amount Highest Claim Amount
Subaru Forester Mitsubishi Mirage
Audi A6 Hyndai Accent
Mercedes-Benz SL Class Chevrolet Sonic
Volvo XC60 Chevrolet Impala
Fiat 500 Kia Rio
Subaru Outback Kia Optima

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Manufacturer Models with the Lowest and Highest Medical Payment Coverage Claims
Lowest Claim Amount Highest Claim Amount
Ford F-350 SuperCrew Dodge Charger
Audi A4 Allroad Nissan Sentra
Ford F-250 SuperCrew Kia Forte
Chevrolet Corvette Nissan Versa
Chevrolet Silverado 3500 Mitsubishi Lancer
Ford Expedition Chevrolet Sonic

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Do you really save 40% when you switch?

Consumers get pounded daily by advertisements for the lowest price auto insurance from companies such as 21st Century, Allstate and State Farm. They all advertise the message that drivers can save some big amount if you change your policy.

It sounds good, but how can they all make almost identical claims? Here is how they do it.

Insurance companies offer their best rates for the type of driver that earns them the most money. A good example of this type of risk profile might have to be between 25 and 40, has no prior claims, and drives a vehicle with a low ISO rating. A propective insured that fits those parameters will probably get the lowest premium rates and will probably save when they switch companies.

Potential insureds who don't measure up to the "perfect" profile will get a higher premium and the customer buying from a different company. The wording the ads use say "customers who switch" but not "all drivers who get quotes" save that much money. That is how companies can truthfully make the claims of big savings. That is why you really should get as many free Indianapolis car insurance quotes as possible. Because without a comparison, you cannot know which auto insurance company will fit you best based on your risk profile.

What is YOUR best insurance company?

Drivers switch companies for any number of reasons including delays in responding to claim requests, extreme rates for teen drivers, unfair underwriting practices or questionable increases in premium. It doesn't matter what your reason, choosing a new company is pretty easy and you might even save some money in the process.

You just read a lot of ways to reduce auto insurance rates online in Indianapolis. The most important thing to understand is the more price quotes you have, the better chance you'll have of finding cheap Indianapolis car insurance quotes. You may even find the most savings is with the least-expected company.

When you buy Indianapolis car insurance online, it's a bad idea to reduce coverage to reduce premium. There have been many situations where an accident victim reduced comprehensive coverage or liability limits only to regret at claim time that the savings was not a smart move. Your objective should be to find the BEST coverage at a price you can afford, but do not skimp to save money.

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