Are you tired of trying to find cheaper Chevy Camaro insurance in Indianapolis? Are you drained from sacrificing to keep your car insured? You are no different than many other Indiana consumers.

Insurance for Chevy CamaroUnbelievable but true, most auto insurance buyers kept their policy with the same company for over three years, and just under half have never even compared rates from other companies. With the average auto insurance premium being $1,400, Indianapolis drivers could pocket almost 55% a year by just comparing quotes, but they don't believe the actual amount they would save if they just switched companies.

Drivers have many auto insurance companies to insure vehicles with, and although it's nice to have a selection, more options can take longer to adequately compare rates for Chevy Camaro insurance in Indianapolis.

Choosing the best insurance company for you in Indianapolis is actually very simple if you learn how to start. If you have a policy now, you will surely be able to lower your rates using this strategy. But Indiana vehicle owners must learn how the larger insurance companies determine prices and use it to find better rates.

To get cheaper Indianapolis car insurance quotes, there a variety of ways of comparing rates from local Indianapolis insurance companies. One of the best ways to find competitive Chevy Camaro insurance rates is to use the internet to compare rates.

Doing price comparisons online is so simple that it makes it a waste of time to call or drive to all the different Indianapolis insurance agencies. The internet has made agencies unnecessary unless you want the professional assistance that can only be provided by a licensed insurance agent. Some companies do allow you to compare online quotes but purchase the actual policy in an agency. Just remember that comparing a wide range of rates increases your odds of finding more affordable insurance. Some smaller insurers do not give online price quotes, so it's recommended that you also compare quotes from the smaller companies as well.

The following companies offer free quotes in Indianapolis, IN. If multiple companies are listed, we suggest you compare several of them to get the best price comparison.

Chevrolet Camaro Insurance Rates in Indianapolis, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camaro LS $138 $250 $290 $18 $86 $782 $65
Camaro LT $188 $358 $264 $16 $80 $906 $76
Camaro SS $272 $496 $280 $16 $84 $1,148 $96
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Information does not factor in specific location which can modify insurance rates significantly.

Choosing deductibles

One of the most common car insurance questions is at what level do you set your deductibles. The following insurance rates can help illustrate the rate difference when you select higher and lower deductibles. The first data set uses a $100 deductible for comprehensive and collision coverage and the second price chart uses a $500 deductible.

Chevrolet Camaro insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camaro LS $272 $514 $280 $16 $84 $1,191 $99
Camaro LT $272 $514 $280 $16 $84 $1,191 $99
Camaro SS $304 $592 $280 $16 $84 $1,301 $108
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Chevrolet Camaro insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camaro LS $200 $348 $280 $16 $84 $928 $77
Camaro LT $200 $348 $280 $16 $84 $928 $77
Camaro SS $222 $400 $280 $16 $84 $1,002 $84
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Prices do not factor in specific garaging location which can affect prices noticeably.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you about $23 more each month or $276 a year than opting for the higher $500 deductible. Due to the fact that you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 17 months between claim filings, you would most likely save money going with the higher deductible.

Insurance policy discounts you can't miss

Properly insuring your vehicles can get expensive, but you might find some hidden discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically at the time you complete a quote, but some need to be asked for prior to receiving the credit. If you check and find you aren't receiving every discount possible, you could be getting lower rates.Cheaper insurance with discounts

As a footnote on discounts, most discounts do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like it's possible to get free car insurance, it just doesn't work that way.

Auto insurance companies that possibly offer most of the discounts above include:

If you need lower rates, check with each company how you can save money. All car insurance discounts may not be offered in every state. To choose providers offering insurance discounts in Indianapolis, click here.

Three reasons car insurance is important

Despite the fact that car insurance is not cheap in Indianapolis, maintaining insurance may not be optional for several reasons.

The benefits of carrying adequate insurance are definitely more than the cost, particularly when you have a large claim. The average driver in Indiana overpays more than $700 annually so it's very important to do a rate comparison each time the policy renews to ensure rates are inline.

Local Indianapolis car insurance agents

Certain consumers prefer to visit with an insurance agent. An additional benefit of comparing rate quotes online is you may find lower premium rates but also keep your business local.

Insurance agency in IndianapolisFor easy comparison, once you complete this quick form, your information is sent to local insurance agents in Indianapolis who will give you bids and help you find cheaper coverage. There is no reason to leave your house due to the fact that quote results will go to you instantly. You can find better rates without a big time investment. If you want to quote rates from a specific company, just go to their quote page and submit a quote form there.

Finding the right company is decision based upon more than just the bottom line cost. Some important questions to ask are:

When finding a reputable agency, there are a couple of different agency structures and how they can write your policy. Insurance agencies in Indianapolis can be categorized as either exclusive or independent (non-exclusive).

Exclusive Insurance Agents

Exclusive insurance agents can only provide pricing for a single company like State Farm, AAA, and Liberty Mutual. They are unable to compare rates from other companies so keep that in mind. Exclusive agencies are well trained on their company's products which aids in selling service over price.

Shown below is a list of exclusive insurance agencies in Indianapolis willing to provide price quotes.

4475 W 71st St - Indianapolis, IN 46268 - (317) 328-0882 - View Map

7550 S Meridian St d - Indianapolis, IN 46217 - (317) 887-1400 - View Map

2169 Glebe St #100a - Carmel, IN 46032 - (317) 890-1200 - View Map

More Indianapolis agents

Independent Insurance Agents

These type of agents are not employed by one company and that allows them to write policies with a variety of different insurance companies and potentially find a lower price. If they find a cheaper price, the business is moved internally and the insured can keep the same agent. If you need cheaper insurance rates, it's recommended you include several independent agencies to have the best price comparison.

Below is a short list of independent insurance agents in Indianapolis that can give you price quotes.

8365 Keystone Crossing #202 - Indianapolis, IN 46240 - (317) 334-3743 - View Map

6316 W Thompson Rd - Indianapolis, IN 46221 - (317) 856-4550 - View Map

7364 E Washington St - Indianapolis, IN 46219 - (317) 353-8000 - View Map

More Indianapolis agents

Coverage specifics

Knowing the specifics of a insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages offered by insurance companies.

Medical expense insurance - Coverage for medical payments and/or PIP pay for immediate expenses for prosthetic devices, funeral costs and surgery. They can be used in conjunction with a health insurance program or if you do not have health coverage. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers - Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle's occupants as well as damage to your Chevy Camaro.

Because many people only purchase the least amount of liability that is required (Indiana limits are 25/50/10), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Liability insurance - This protects you from damage that occurs to other's property or people by causing an accident. It protects you against claims from other people. Liability doesn't cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/10 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $10,000 for damage to vehicles and property.

Liability insurance covers claims such as court costs, attorney fees, funeral expenses and pain and suffering. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible. Indiana state minimum liability requirements are 25/50/10 but you should consider buying more liability than the minimum.

Collision coverage - Collision coverage pays to fix your vehicle from damage from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like driving through your garage door, crashing into a ditch, colliding with a tree, scraping a guard rail and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It's also possible to increase the deductible on your Camaro in order to get cheaper collision rates.

Comprehensive (Other than Collision) - Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like theft, vandalism and damage from a tornado or hurricane. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.