Finding cheaper Carmel car insurance quotes online can seem complicated if you're new to online rate comparisons. Don't let that stop you because finding affordable coverage is easier than you think.

Sadly, over 70% of Indiana drivers renewed their policy with the same company for at least the last four years, and about 40% of consumers have never taken the time to shop around. Most drivers in the U.S. can cut their rates by 46.5% a year just by comparing rates, but they don't believe the big savings they would realize if they changed companies.

It's important to know that getting more free quotes gives you a better chance of getting more affordable insurance.

The companies shown below are ready to provide free rate quotes in Indiana. If multiple providers are shown, we recommend you visit several of them to get a more complete price comparison.

Insurance Rates for Popular Vehicles in Carmel
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LTZ Extended Cab 4WD $960 $480 $80
Dodge Grand Caravan CV $1,048 $524 $87
Dodge Ram Crew Cab TRX 2WD $712 $356 $59
Ford Escape Limited 4WD $808 $404 $67
Ford F-150 FX2 Super Cab 2WD $940 $470 $78
Ford Focus S 4-Dr Sedan $864 $432 $72
Ford Fusion S 4-Dr Sedan $944 $472 $79
Honda Accord LX-P 4-Dr Sedan $696 $348 $58
Honda CR-V LX 4WD $822 $411 $69
Honda Civic EX 2-Dr Coupe $1,184 $592 $99
Honda Odyssey EX $726 $363 $61
Kia Optima SX $1,084 $542 $90
Mazda 3 S Sport 4-Dr Sedan $1,048 $524 $87
Nissan Altima 2.5 S 4-Dr Sedan $1,058 $529 $88
Nissan Rogue S 2WD $978 $489 $82
Toyota Camry XLE $812 $406 $68
Toyota Corolla LE $904 $452 $75
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Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Premium costs do not factor in specific Carmel garaging location which can raise or lower auto insurance rates considerably.

Auto insurance rates by age and gender in Carmel

The information below shows the comparison of car insurance rates for male and female drivers in Carmel. The premiums are based on no claims or violations, full coverage, $100 deductibles, single marital status, and no other discounts are factored in on a Nissan Altima 2.5.

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

Get cheaper car insurance with discounts

Some companies don't necessarily list the entire discount list very clearly, so the list below gives a summary of some of the more common and the harder-to-find savings tricks you should be using when you buy Carmel car insurance online.Car insurance discounts

Discounts save money, but please remember that many deductions do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So even though you would think all the discounts add up to a free policy, insurance companies wouldn't stay in business.

A partial list of companies that may offer most of these discounts include:

When getting a coverage quote, ask each insurance company to give you their best rates. Savings may not apply in Carmel. To view car insurance companies who offer discounts in Carmel, click here.

Auto insurance quotes from local Carmel insurance agents

A lot of people would prefer to get professional advice from a licensed agent and doing so can bring peace of mind An additional benefit of getting free rate quotes online is the fact that drivers can get lower rates and still buy from a local agent.

To make it easy to find an agent, after completing this simple form, your coverage information is submitted to local insurance agents that can give you free Carmel car insurance quotes to get your business. You never need to leave your computer because quoted prices will be sent to you. You can find the lowest rates without requiring a lot of work. If for some reason you want to compare rates from a specific company, you would need to navigate to their website to submit a rate quote request.

Deciding on a company shouldn't rely on just the premium amount. A good agent in Carmel will have answers to these questions.

If you would like to find an insurance agent, it helps to know the two different agency structures and how they work. Auto insurance policy providers are considered either exclusive or independent.

Exclusive Insurance Agents

These type of agents can only quote rates from one company like Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot shop your coverage around so you need to shop around if the rates are high. Exclusive insurance agents receive extensive training on their company's products and that enables them to sell even at higher rates. Some insured continue to buy from the same agent for years mostly because of the brand rather than having low rates.

Independent Auto Insurance Agents

Agents that elect to be independent are not required to write business for one company and that allows them to write policies through lots of different companies and help determine which has the cheapest rates. If they find a lower price, they simply move the coverage in-house which makes it simple for you.

If you are comparing rate quotes, you need to include multiple independent agents so that you have a good selection of quotes to compare. Most can insure with companies that do not advertise much which may have better rates.

Don't assume everyone needs the same car insurance coverage

When choosing the right insurance coverage, there isn't really a best way to insure your cars. Everyone's needs are different.Drive safe and save

Here are some questions about coverages that may help you determine whether or not you could use an agent's help.

If you're not sure about those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

Car insurance claims by make and model

What are the chances of a claim? The tables below outline the good and bad vehicle makes and models for the probability of having claims organized by coverage.

Lowest and Highest Auto Insurance Liability Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Audi A6 Mitsubishi Lancer
Fiat 500 Chevrolet Impala
Subaru Forester Chevrolet Sonic
Acura MDX Kia Optima
Subaru Outback Hyndai Accent
Volvo XC60 Chevrolet Cruze

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

Lowest and Highest Medical Payment Coverage Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Ford F-350 SuperCrew Dodge Charger
Chevrolet Corvette Chevrolet Sonic
Chevrolet Silverado 2500 Kia Forte
Land Rover Range Rover Sport Mitsubishi Mirage
Chevrolet Silverado 3500 Nissan Sentra
Ford F-250 SuperCrew Chevrolet Spark

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

Lowest and Highest Car Insurance Collision Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Ford F-150 SuperCrew BMW 6 Series
Ford Edge Nissan GT-R
GMC Canyon Bently Continental GT
Chevrolet Colorado Audi RS7
Mini Cooper Bentley Continental Flying Spur
Ford F-250 SuperCab BMW M6

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

Comprehensive Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
GMC Sierra 2500 Audi S7
Ford F-350 Bentley Continental GTC
Volvo V60 Maserati Quattroporte
Nissan Xterra Mercedes-Benz S Class
Smart ForTwo BMW M6
Chevy Spark Maserati Granturismo

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

Switch companies and save? Really?

Car insurance providers like State Farm, Allstate and GEICO constantly bombard you with television and radio advertisements. All the companies convey the message about how much you will save if you switch your car insurance policy to them. How does each company save you money on car insurance? It's all in the words they use.

Car insurance companies quote their cheapest rates for the type of customer that will generate a profit. For example, a preferred risk could possibly be between the ages of 30 and 50, has no driving citations, and drives less than 5,000 miles a year. Anybody who matches those parameters gets the lowest rates as well as save a lot on Carmel car insurance if they switch.

Consumers who may not quite match these criteria may be forced to pay a higher premium and this results in business not being written. The ads say "people who switch" but not "everyone who gets a quote" can get the lowest rates when switching. That's why companies can make those claims. This illustrates why it is so important to get Carmel car insurance quotes from several different companies. It is impossible to predict which insurance companies will have the lowest car insurance in Carmel.

Specific coverage details

Knowing the specifics of your auto insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Auto liability insurance - This will cover damage or injury you incur to people or other property by causing an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/10 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $10,000 paid for damaged property.

Liability coverage protects against things such as medical expenses, court costs, funeral expenses and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible. Indiana state law requires minimum liability limits of 25/50/10 but it's recommended drivers buy more coverage.

Med pay and Personal Injury Protection (PIP) - Coverage for medical payments and/or PIP pay for immediate expenses such as prosthetic devices, pain medications and dental work. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM) - This coverage protects you and your vehicle's occupants when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and damage to your vehicle.

Since many Indiana drivers only carry the minimum required liability limits (25/50/10), it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Collision coverages - Collision insurance covers damage to your vehicle caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like crashing into a building, colliding with another moving vehicle and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Comprehensive insurance - Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from flooding, hitting a bird and hitting a deer. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Do the work, save more money

Insureds who switch companies do it for a number of reasons such as high prices, poor customer service, delays in paying claims and not issuing a premium refund. It doesn't matter what your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

In this article, we presented a lot of information how to save on car insurance in Carmel. The most important thing to understand is the more times you quote, the better your comparison will be. Consumers may even find the lowest priced car insurance comes from a small local company.

Cost effective car insurance can be found on the web and from local insurance agents, so you should compare both in order to have the best price selection to choose from. A few companies don't offer rates over the internet and most of the time these small, regional companies work with independent insurance agencies.

For more information, feel free to browse the resources below: