How long has it been since you compared quotes for more competitive car insurance rates in Brownsburg, IN? Having to pay for expensive car insurance in Brownsburg can dry up your family's budget and force you to make tough financial choices. Getting a rate comparison is a fast and free way to reduce premiums and put more money in your pocket.

It's hard to fathom, but nearly 70% of customers have remained with the same car insurance company for a minimum of four years, and practically 40% of car insurance customers have never taken the time to shop around. Indiana drivers could save almost $697 a year just by getting comparison quotes, but they just feel it's too hard to compare rate quotes.

Numerous auto insurance companies battle for your business, and because of this it can be hard to compare insurers and get the definite lowest rate on car insurance.

It's a great practice to shop coverage around as often as possible because prices are rarely the same from one policy term to another. Just because you found the best price on car insurance last year you may be paying too much now. There are a lot of ways to save on car insurance on the internet, but we're going to give you a lot of great tips on how to reduce your car insurance bill.

If you currently have a car insurance policy, you will most likely be able to reduce premiums using the ideas covered in this article. Finding the cheapest car insurance coverage in Brownsburg is really not that difficult. Although Indiana car owners do need to understand how big insurance companies determine prices and take advantage of how the system works.

When comparison shopping, there are several ways to compare quotes from auto insurance companies in your area. The best method to lower the rate you pay for insurance consists of shopping online.

Getting price quotes online is very simple and it makes it obsolete to waste gas driving to insurance agencies in your area. The fact that you can get quotes online can eliminate the need for a local agent unless you require the guidance of a local Brownsburg agent. You can, however, compare the best prices online but have your policy serviced through an agent.

Keep in mind that comparing more rates from different companies helps improve the odds of finding the best price.

The providers in the list below are ready to provide price comparisons in Indiana. If multiple companies are listed, we suggest you visit two to three different companies to get the best price comparison.

Insurance Rates for Popular Vehicles in Brownsburg
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Regular Cab 2WD $828 $414 $69
Dodge Grand Caravan CV $880 $440 $73
Dodge Ram Quad Cab ST 4WD $914 $457 $76
Ford Edge SE 2WD $918 $459 $77
Ford Escape XLS 2WD $702 $351 $59
Ford F-150 Lariat Crew Cab Harley 4WD $1,190 $595 $99
Ford Focus SEL 4-Dr Sedan $880 $440 $73
Ford Fusion SE 4-Dr Sedan $800 $400 $67
Honda Accord LX 4-Dr Sedan $940 $470 $78
Honda CR-V EX-L 4WD $724 $362 $60
Honda Civic VP 4-Dr Sedan $980 $490 $82
Hyundai Elantra Blue 4-Dr Sedan $796 $398 $66
Jeep Wrangler Sport 4WD 2-Dr $676 $338 $56
Kia Optima SX $884 $442 $74
Nissan Altima 2.5 S 2-Dr Coupe $1,274 $637 $106
Toyota Camry XLE $800 $400 $67
Toyota Corolla LE $784 $392 $65
Toyota Tacoma Double Cab TRD Sport Package 4WD $744 $372 $62
Get Your Own Custom Quote Go

Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Price estimates do not factor in Brownsburg location which can revise coverage prices significantly.

Careless driving habits raise car insurance rates

The information below shows how speeding tickets and at-fault accidents can drive up Ford Escape auto insurance costs for each age group. Data assumes a single male driver, full coverage, $100 deductibles, and no discounts are taken into consideration.

Ford Escape rates are for example purposes only. To get rates for your specific vehicle, click here.

Insurance premiums by gender

The diagram below shows the difference between auto insurance costs for male and female drivers in Brownsburg. The rate quotes are based on a clean driving record, no claims, comp and collision included, $1,000 deductibles, drivers are not married, and no additional discounts are factored in on a Ford Focus SE.

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

Should you buy full coverage?

The illustration below illustrates the comparison of Toyota Corolla car insurance rates with full physical damage coverage compared to only buying liability only. The rates are based on no claims or driving violations, $250 deductibles, married male driver, and no additional discounts are factored in.

Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.

When to buy liability coverage only

There is no set guideline of when to phase out physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is more than 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

For example, let's assume your Toyota Corolla claim settlement value is $3,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $2,000 after you pay the deductible. If it's costing you more than $200 annually to have full coverage, the it may be a good time to stop paying for full coverage.

There are some conditions where removing full coverage is not recommended. If you still have a lienholder on your title, you have to carry full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should keep full coverage on your policy.

Insurance discounts help lower rates

Insuring your vehicles can cost a lot, but you may be missing some discounts to help offset the cost. Most are applied at the time you complete a quote, but once in a while a discount must be requested specifically before being credited. If you do not double check each discount you qualify for, you could be saving more on your insurance.Discount insurance

Discounts reduce rates, but you should keep in mind that most credits do not apply to the whole policy. Most only cut the cost of specific coverages such as medical payments or collision. Despite the appearance that you could get a free insurance policy, companies don't profit that way. But all discounts should definitely cut your overall premium however.

A partial list of companies that possibly offer some of the above discounts may include but are not limited to:

If you are trying to find low cost Brownsburg auto insurance quotes, ask all companies you are considering how you can save money. Discounts might not apply everywhere. To find insurers offering insurance discounts in Indiana, follow this link.

Three reasons to not skimp on insurance

Despite the potentially high cost of insurance, insurance is a good idea for several reasons.

First, most states have minimum liability requirements which means state laws require a minimum amount of liability insurance coverage if you don't want to risk a ticket. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if your car has a lienholder, almost every bank will have a requirement that you buy full coverage to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the bank will be required to insure your vehicle at a significantly higher premium and require you to fork over much more than you were paying before.

Third, insurance protects not only your car but also your financial assets. Insurance will also pay for medical bills for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if you are sued as the result of an accident. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.

The benefits of insuring your vehicle are without a doubt worth the cost, especially when you need to use it. In a recent study of 1,000 drivers, the average customer is wasting up to $700 annually so it's recommended you shop around once a year at a minimum to be sure current rates are still competitive.

Best and worst vehicle claim statistics

Do you own a high-claim vehicle? The claim statistics below outline the good and bad cars and trucks for likelihood of having large claims organized by coverage.

Auto Insurance Medical Payment Claims by Manufacturer Model
Lowest Claims Highest Claims
Audi A4 Allroad Nissan Versa
Tesla Model S Nissan Sentra
Ford F-350 SuperCrew Dodge Charger
Chevrolet Silverado 3500 Hyundai Accent
Land Rover Range Rover Sport Kia Forte
Ford F-250 SuperCrew Chrysler 200

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

Lowest and Highest Car Insurance Comprehensive Claims by Manufacturer Model
Lowest Claims Highest Claims
Nissan Leaf BMW M6
Ford F-350 Maserati Granturismo
GMC Sierra 2500 Bentley Continental GT
Infiniti QX50 Maserati Quattroporte
Chevy Silverado 2500 Bentley Continental GTC
Chevy Spark Mercedes-Benz S Class

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

Lowest and Highest Collision Claims by Manufacturer Model
Lowest Claims Highest Claims
Jeep Wrangler BMW 6 Series
Mini Cooper Audi RS7
Smart ForTwo Bentley Continental Flying Spur
Ford Edge Maserati Granturismo
GMC Canyon Bently Continental GT
Ford F-250 SuperCab Ferrari 458

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

Bodily Injury Liability Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Subaru Outback Kia Rio
Audi A6 Mitsubishi Lancer
Acura MDX Kia Optima
Mercedes-Benz SL Class Mitsubishi Mirage
Subaru Forester Chevrolet Sonic
Chevrolet Corvette Hyndai Accent

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