Are you irritated from not being able to afford to keep your car insured? You are no different than many other drivers in Indiana.

Insurance quote for Volvo XC60 in IndianapolisInconceivable but true, most Indiana car insurance customers kept their policy with the same company for well over three years, and nearly the majority have never quoted rates to find affordable coverage. Most drivers in the United States could pocket approximately 46.5% a year just by shopping around, but they don't know how much they could save if they moved their coverage to a different company.

There is such a variety of auto insurance companies to purchase coverage from, and even though it's nice to have a selection, having more car insurance companies makes it harder to find the lowest cost provider for Volvo XC60 insurance in Indianapolis.

Auto insurance providers offering cheap rates in Indiana

The companies shown below are our best choices to provide comparison quotes in Indianapolis, IN. If multiple companies are listed, we recommend you visit two to three different companies to get the best price comparison.

Volvo XC60 Insurance Cost Estimates in Indianapolis, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XC60 3.2 2WD $138 $250 $230 $14 $68 $700 $58
XC60 3.2 AWD $200 $294 $238 $14 $72 $818 $68
XC60 T6 AWD AWD $148 $312 $288 $18 $86 $852 $71
XC60 T6-R AWD AWD $144 $280 $270 $16 $80 $790 $66
Get Your Own Custom Quote Go

Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Estimates do not factor in zip code location which can revise insurance rates substantially.

Men versus women drivers and insurance cost

The chart below visualizes the comparison of Volvo XC60 car insurance costs for male and female drivers. The price estimates are based on no violations or claims, comp and collision included, $100 deductibles, drivers are single, and no discounts are applied to the premium.

Cheap Indianapolis car insurance rates with discounts

Some companies don't always list every available discount very well, so the list below contains a few of the more well known in addition to some of the lesser obvious savings tricks you should be using when you buy Indianapolis auto insurance online. If you check and find you aren't receiving every discount available, you are just wasting money.Discount car insurance

Discounts save money, but please remember that most discount credits are not given to the overall cost of the policy. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, it's just not the way it works.

Companies that possibly offer some of the discounts shown above possibly include:

When getting free Indianapolis auto insurance quotes, it's a good idea to each company which discounts you qualify for. Some credits may not be offered in your area.

When to contact an insurance agency

Many people would rather get professional advice from a licensed agent and that can be a smart move One of the great benefits of comparing rates online is the fact that drivers can get lower rates and still have an agent to talk to.

Find insurance agent in IndianapolisOnce you complete this short form, your coverage information is immediately sent to local insurance agents in Indianapolis who will give you quotes to get your business. You don't have to find an agent due to the fact that quote results will go to the email address you provide. You can most likely find cheaper rates and work with a local agent. If you have a need to get a rate quote from a specific company, just search and find their rate quote page and give them your coverage information.

Finding a good insurance company should depend on more than just the premium amount. Here are some questions to ask:

Is an exclusive or independent car insurance agent right for you?

If you want to use a reliable insurance agency, you should know the different types of agents and how they can write your policy. Agencies in Indianapolis are classified as either independent agents or exclusive agents depending on their employer.

Exclusive Auto Insurance Agencies

Agents of this type generally can only insure with one company such as Allstate and State Farm. Exclusive agencies are unable to provide other company's prices so they have no alternatives for high prices. Exclusive insurance agents are trained well on their products and sales techniques and that can be a competitive advantage.

Listed below is a short list of exclusive agencies in Indianapolis willing to provide comparison quotes.


7022 W 10th St b - Indianapolis, IN 46214 - (317) 243-3509 - View Map


7035 E 96th St Suite S-2 - Indianapolis, IN 46250 - (317) 897-1900 - View Map


4875 W 56th St g - Indianapolis, IN 46254 - (317) 803-2241 - View Map

View more agents

Independent Agents

Independent agencies are not employed by any specific company and that allows them to write policies through lots of different companies and find the cheapest auto insurance rates. To move your coverage to a new company, the agent simply finds a different carrier and that require little work on your part. When comparing rate quotes, we recommend you check rates from at a minimum one independent agency in order to compare the most rates.

Shown below is a short list of independent agencies in Indianapolis who can help you get rate quotes.


355 Indiana Ave - Indianapolis, IN 46204 - (317) 464-5000 - View Map

Indiana Discount Insurance
5502 N Keystone Ave - Indianapolis, IN 46220 - (317) 863-0349 - View Map


4240 N Franklin Rd #109 - Lawrence, IN 46226 - (317) 898-1866 - View Map

View more agents

Once you have received positive feedback to any questions you have and a low price estimate, you've probably found an auto insurance agent that can adequately provide auto insurance. Keep in mind you have the power to cancel your policy for any reason so don't assume that you are permanently stuck with any specific agency for a certain time period.

Specific coverages for a Volvo XC60

Knowing the specifics of your policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. These are typical coverage types offered by auto insurance companies.

Collision coverages - Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a building, hitting a parking meter, sustaining damage from a pot hole and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also increase the deductible on your XC60 to bring the cost down.

Insurance for medical payments - Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as EMT expenses, funeral costs and chiropractic care. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Liability insurance - Liability insurance protects you from damage or injury you incur to a person or their property by causing an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/10 which stand for $25,000 in coverage for each person's injuries, $50,000 for the entire accident, and a limit of $10,000 paid for damaged property.

Liability coverage protects against things like medical services, structural damage, repair costs for stationary objects, attorney fees and pain and suffering. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford. Indiana requires drivers to carry at least 25/50/10 but you should think about purchasing better liability coverage.

Comprehensive coverage (or Other than Collision) - This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from flooding, theft, hitting a deer and vandalism. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance - This coverage gives you protection when the "other guys" are uninsured or don't have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your Volvo XC60.

Since a lot of drivers only purchase the least amount of liability that is required (which is 25/50/10), it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

More comparisons equals affordable rates

In this article, we covered a lot of information how to find cheap Volvo XC60 insurance in Indianapolis. It's most important to understand that the more quotes you get, the better your comparison will be. You may even discover the most savings is with a lesser-known regional company. They may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm or Progressive.

There are still a few companies who may not offer the ability to get quotes online and these regional insurance providers work with independent agents. Lower-priced Volvo XC60 insurance in Indianapolis can be sourced from both online companies in addition to many Indianapolis insurance agents, and you should compare rates from both to get a complete price analysis.

When getting Indianapolis auto insurance quotes online, it's not a good idea to buy poor coverage just to save money. There have been many cases where someone sacrificed liability limits or collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy enough coverage at the best possible price, not the least amount of coverage.

Much more information about auto insurance in Indiana can be found on the following sites: