Do you want an efficient way to compare cheaper insurance rates in Greenfield, IN? Buying insurance online might sound like a lofty goal if you are a beginner to rate quotes online. But don't be overwhelmed because we're going to show you how.

Astonishing but true, the majority of drivers have bought insurance from the same company for at least four years, and practically 40% of insurance customers have never taken the time to shop around. Drivers in Greenfield could save an average of nearly 55% each year by just comparing quotes, but most tend to underestimate the actual amount they would save if they changed companies.

Smart consumers take time to compare rates once or twice a year because insurance prices are constantly changing. If you had the lowest rates on insurance six months ago you may be paying too much now. Forget anything you know (or think you know) about insurance because you're about to learn the fastest and easiest way to reduce your cost while improving coverage.

Best companies for Indiana auto insurance

The companies shown below are our best choices to provide quotes in Indiana. If multiple providers are shown, we suggest you visit two to three different companies in order to get a fair rate comparison.

Insurance Rate Estimates for Popular Vehicles in Greenfield
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LT 2WD $996 $498 $83
Chevrolet Silverado LS Regular Cab 2WD $666 $333 $56
Dodge Grand Caravan Crew $848 $424 $71
Dodge Ram Quad Cab SLT 2WD $948 $474 $79
Ford Escape Limited 4WD $792 $396 $66
Ford F-150 Lariat Crew Cab 2WD $1,238 $619 $103
Ford Focus SE 4-Dr Sedan $902 $451 $75
Honda Accord LX-P 4-Dr Sedan $718 $359 $60
Honda CR-V EX-L 2WD $764 $382 $64
Honda Civic VP 4-Dr Sedan $854 $427 $71
Hyundai Sonata Limited 4-Dr Sedan $1,138 $569 $95
Jeep Grand Cherokee SRT-8 4WD $896 $448 $75
Nissan Altima 2.5 S 4-Dr Sedan $700 $350 $58
Nissan Rogue S 2WD $894 $447 $75
Toyota Camry SE $1,026 $513 $86
Toyota Corolla LE $940 $470 $78
Toyota Prius $934 $467 $78
Get Your Own Custom Quote Go

Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Premium costs do not factor in Greenfield location which can impact price quotes significantly.

Cautious Greenfield drivers save money

The chart below demonstrates how traffic citations and at-fault accidents can affect Honda Pilot insurance prices for different age groups of insureds. The rates are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.

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

Save money by getting discounts

Car insurance is not an enjoyable expense, but there are discounts available that many consumers don't even know exist. Some discounts will apply when you purchase, but less common discounts must be asked about before they will apply.Discount car insurance

A little disclaimer on discounts, many deductions do not apply to all coverage premiums. Most cut the price of certain insurance coverages like comp or med pay. Despite the appearance that adding up those discounts means a free policy, you won't be that lucky.

A list of companies and a partial list of their discounts are detailed below.

Before purchasing a policy, check with each company or agent how you can save money. Some credits might not apply in every state. To locate companies with significant discounts in Greenfield, follow this link.

How insurance providers determine car insurance rates

Multiple criteria are considered when you get your auto insurance bill. Some are pretty understandable such as traffic violations, but some are not quite as obvious such as your marital status and annual miles driven. It's important that you understand the rating factors that help determine your premiums. If you understand what impacts premium levels, this enables you to make decisions that can earn you much lower annual insurance costs.

The items below are some of the most rate-impacting factors used by companies to determine premiums.

High performance vehicles cost more to insure - The performance of the car or truck you need insurance for makes a big difference in your rates. Smaller low performance passenger vehicles receive the most favorable rates, but there are many factors that impact the final cost.

Single vs. married - Having a wife or husband actually saves money on your car insurance bill. Having a significant other is viewed as being more mature than a single person and insurance companies reward insureds because drivers who are married file infrequent claims.

Multi-policy discounts can save money - Lots of car insurance companies afford better rates to customers who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount applied, it's still a good idea to compare rates to ensure the best deal. You may still be able to find a better deal by insuring with multiple companies.

Big cities have higher premiums - Residing in small towns and rural areas is a good thing when trying to find low car insurance rates. City drivers tend to have more auto accidents and a longer drive to work. Lower population translates into fewer accidents as well as less vandalism and auto theft.

Use credit responsibly and save - Having a bad credit history is a large factor in calculating your car insurance rates. Drivers who have excellent credit scores tend to be more responsible and file fewer claims than drivers who have bad credit. If your credit history is not that good, you may save money insuring your vehicle by repairing your credit.

Shop online but buy locally

Some people would rather talk to a local agent and that is a personal choice. The biggest benefit of comparing rates online is that drivers can save money and get lower rates and still have a local agent.

Greenfield insurance agentsFor easy comparison, once you complete this quick form, the coverage information is submitted to participating agents in Greenfield who will give competitive quotes for your business. There is no reason to contact any insurance agencies as quotes are delivered straight to your inbox. You can get cheaper car insurance rates and a licensed agent to talk to. If for some reason you want to compare rates from a particular provider, don't hesitate to search and find their rate quote page and submit a quote form there.

Picking the best company shouldn't rely on just the price. You should also get answers to these questions.

Insurance losses by coverage

What vehicles have the most claims? The claim statistics below show the best and worst makes and models for the probability of having claims orgainized by coverage.

Comprehensive Coverage Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Nissan Leaf Maserati Granturismo
Nissan Xterra Porsche Panamera GTS
Chevy Silverado 2500 BMW M6
Ford F-350 Mercedes-Benz S Class
Volvo V60 Bentley Continental GTC
Smart ForTwo Maserati Quattroporte

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Liability Coverage Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Volvo XC60 Chevrolet Cruze
Acura MDX Hyndai Accent
Subaru Forester Chrysler 200
Fiat 500 Chevrolet Impala
Audi A6 Mitsubishi Lancer
Subaru Outback Chevrolet Sonic

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Medical Payment Coverage Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Ford F-250 SuperCrew Chrysler 200
Chevrolet Silverado 3500 Mitsubishi Mirage
Tesla Model S Chevrolet Sonic
Land Rover Range Rover Sport Mitsubishi Lancer
Ford Expedition Hyundai Accent
Ford F-350 SuperCrew Dodge Charger

Statistics from IIHS.org for 2013-2015 Model Years

Car Insurance Collision Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Smart ForTwo Bently Continental GTC
Ford F-250 SuperCab Bentley Continental Flying Spur
Nissan Xterra Maserati Ghibli
Chevrolet Colorado Ferrari 458
Mini Cooper BMW 6 Series
GMC Canyon Bently Continental GT

Statistics from IIHS.org for 2013-2015 Model Years

In the end, you can save money

Insureds leave their current company for any number of reasons including questionable increases in premium, being labeled a high risk driver, not issuing a premium refund and policy cancellation. Whatever your reason, choosing a new company is actually quite simple.

We just showed you some good ideas how you can lower your car insurance prices in Greenfield. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. You may even find the lowest prices come from a lesser-known regional company.

As you shop your coverage around, don't be tempted to skimp on critical coverages to save a buck or two. In too many instances, someone dropped collision coverage and learned later that the savings was not a smart move. The proper strategy is to purchase a proper amount of coverage at the best possible price, not the least amount of coverage.

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