One of the many considerations that are used to help calculate car insurance rates is your zip code in Indiana. Cities with larger populations like Gary, Portage, and Jeffersonville will most likely pay more, whereas less populated areas tend to receive slightly lower rates.
The following table lists the most expensive cities in Indiana for low mileage drivers to purchase a policy in.
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Annual rates are comparative as specific Indiana garaging address can change premium rates greatly.
The vehicle model needing coverage is probably the biggest factor when comparison shopping for affordable insurance for low mileage drivers. Vehicles with lots of speed or power, poor passenger safety features, or high incidents of liability claims will cost quite a bit more to insure than more modest models. The next list showcases coverage rates for the cheapest automobiles to buy coverage for.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Honda CR-V LX 2WD||$474|
|Hyundai Elantra GLS Touring Station Wagon||$516|
|Ford Escape Limited 2WD||$529|
|Jeep Wrangler Rubicon 4WD 2-Dr||$538|
|Ford Explorer Eddie Bauer 2WD||$529|
|Ford Focus SE 4-Dr Sedan||$549|
|Chevrolet Equinox LT AWD||$559|
|Toyota Tacoma Double Cab 4WD||$569|
|Ford Edge SE 2WD||$575|
|Honda Civic VP 4-Dr Sedan||$578|
|Chevrolet Impala LTZ||$588|
|Nissan Altima 3.5 SR 4-Dr Sedan||$600|
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rate information does not factor in zip code location which can impact price quotes substantially.
Based upon the rates shown, you can figure that makes and models like the Honda CR-V, Hyundai Elantra, and Ford Escape will definitely be a few of the most economical vehicles to insure for infrequent drivers.
Which car insurance company is best in Indiana?
Picking the best car insurance provider can be difficult considering how many different companies sell coverage in Indiana. The company information shown below may help you pick which car insurance companies you want to consider shopping your coverage with. The rankings below are only made up of companies that insure vehicles nationwide, so companies with more of a regional focus are not factored into this list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
The diagram below highlights how deductible choice can impact annual premium costs when getting quotes for cheap insurance for low mileage drivers in Indiana. The information is based on a married female driver, comp and collision included, and no discounts are applied.
The data above shows that a 50-year-old driver could lower rates by $232 a year by increasing from a $100 deductible up to a $500 deductible, or save $348 by using a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, could possibly save up to $566 annually by selecting a higher deductible.
When increasing deductibles, it will be important to have additional funds squirreled away to satisfy the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
How to find economical car insurance for low mileage drivers in Indiana
The list below details many thrifty suggestions that can help drivers locate cheaper car insurance.
- Raise your deductibles
- Ensure your driving record is clean
- Do not pay for full coverage if not needed
- Avoid preventable accidents
- If possible, do not file small claims
- Compare rates often to find the best deal
The last item on the list is notably crucial, as was noted in the article above. Insurance prices change frequently, so don't be unwilling to switch companies if a cheaper price is available.
We understand brand loyalty, but it's not a great idea if that dedication is costing big bucks every year. Now is a great time to shop around and find cheaper car insurance for low mileage drivers.