If shopping for Indianapolis auto insurance quotes online is new to you, by this point your are probably confused by the vast number of insurance providers all claiming to save you money.
Shocking but true, most drivers in Indiana renewed their policy with the same company for more than four years, and just under half have never compared rates to find affordable insurance. American consumers can save hundreds of dollars each year by just shopping around, but they don't know the actual amount they would save if they bought a different policy.
Don't neglect these seven discounts
Car insurance can cost a lot, but you might be missing out on some discounts that you may not know about. Certain credits will be shown at the time you complete a quote, but a few must be specially asked for before you get the savings.
- Telematics Devices - Policyholders that allow their insurance company to scrutinize driving habits by using a telematics device in their vehicle such as State Farm's In-Drive may get a rate reduction if they show good driving skills.
- Theft Prevention System - Anti-theft and alarm system equipped vehicles prevent vehicle theft and will save you 10% or more on Wrangler insurance in Indianapolis.
- No Accidents - Indianapolis drivers who stay claim-free have much lower rates as opposed to accident-prone drivers.
- Sign Online - A few car insurance companies will give a small break for signing up over the internet.
- Student Driver Training - It's a good idea to have your young drivers successfully complete driver's ed class as it will make them better drivers and lower rates.
- Discounts for Cautious Drivers - Insureds without accidents can pay as much as 50% less than drivers with accidents.
- Discount for Home Ownership - Owning your own home or condo can earn you a little savings because owning a home shows financial diligence.
Discounts save money, but please remember that most credits do not apply to the entire cost. The majority will only reduce individual premiums such as liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, it doesn't quite work that way. Any amount of discount will definitely reduce the cost of coverage.
To see a list of insurance companies that offer the discounts shown above in Indianapolis, click here to view.
To find cheap quotes, there are a couple of ways of comparing rate quotes from many different Indiana insurance companies. By far the easiest way to find the cheapest Jeep Wrangler insurance rates is simply to get online rate quotes.
When price shopping your coverage, more quotes helps you find more affordable rates. Some smaller insurers do not give online Indianapolis Wrangler insurance quotes, so you need to compare rates from those companies as well.
The following companies have been selected to offer free quotes in Indiana. If multiple companies are shown, we recommend you click on several of them to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$116||$148||$280||$16||$84||$644||$54|
|Wrangler Unlimited Sport 2WD 4-Dr||$216||$236||$460||$28||$138||$1,078||$90|
|Wrangler Sport Islander Package 4WD 2-Dr||$90||$156||$264||$16||$80||$606||$51|
|Wrangler Unlimited Sport 4WD 4-Dr||$236||$322||$424||$26||$128||$1,136||$95|
|Wrangler Sahara 4WD 2-Dr||$168||$250||$264||$16||$80||$778||$65|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$116||$146||$396||$24||$118||$800||$67|
|Wrangler Unlimited Sahara 2WD 4-Dr||$232||$318||$456||$28||$136||$1,170||$98|
|Wrangler Rubicon 4WD 2-Dr||$188||$304||$270||$16||$80||$858||$72|
|Wrangler Unlimited Sahara 4WD 4-Dr||$104||$160||$336||$20||$100||$720||$60|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$234||$352||$368||$22||$110||$1,086||$91|
|Get Your Own Custom Quote Go|
Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Table data does not factor in zip code location which can revise price quotes substantially.
Cost comparison with and without full coverage
The diagram below illustrates the difference between Jeep Wrangler insurance prices when comparing full coverage to state minimum liability only. Data assumes no driving violations, no at-fault accidents, $250 deductibles, single female driver, and no discounts are taken into consideration.
Should you pay for full coverage?
There is no definitive rule that is best for determining when to drop comp and collision coverage, but there is a general guideline. If the yearly cost for physical damage coverage is about 10% or more of any settlement you would receive from your insurance company, then it might be time to buy liability only.
For example, let's assume your Jeep Wrangler replacement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, you would only receive $6,000 after paying your deductible. If you are currently paying more than $600 a year for your policy with full coverage, then you might want to think about dropping full coverage.
There are a few situations where removing full coverage is not financially feasible. If you haven't satisfied your loan, you have to carry full coverage to protect the lienholder's interest in the vehicle. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not drop full coverage.
Do I need special coverages?
When quoting and comparing proper insurance coverage, there really is no single plan that fits everyone. Every insured's situation is different so your insurance needs to address that. For instance, these questions may help you determine whether you might need professional guidance.
- Can my babysitter drive my car?
- Is a blown tire covered by insurance?
- Can I get a multi-policy discount?
- Am I covered if I have no license?
- What are good deductibles for a Jeep Wrangler?
- What does roadside assistance cover?
- What if a claim settlement is too low?
- Can I pay claims out-of-pocket if I buy high deductibles?
- How can I force my company to pay a claim?
If you're not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.
Local neighborhood agents and insurance
Some people just prefer to sit down with an agent. The biggest benefit of price shopping on the web is you may find lower car insurance rates and still have an agent to talk to. Supporting neighborhood agents is definitely important in Indianapolis.
Once you complete this simple form, your insurance data is submitted to local insurance agents that provide free Indianapolis auto insurance quotes to get your business. It simplifies rate comparisons since you won't have to contact any insurance agencies since price quotes are sent immediately to you. Get lower rates and an insurance agent to talk to. If you want to get a rate quote from a specific insurance provider, don't hesitate to go to their quote page and fill out their quote form.
If you want to use local Indianapolis agents, it's helpful to know the different types of agents and how they differ in how they can insure your vehicles. Indianapolis agents may be either independent agents or exclusive agents depending on their employer.
Independent Insurance Agencies or Brokers
Agents in the independent channel are not locked into one company so they can write business with a variety of different insurance companies and find the cheapest insurance rates. If your agent finds better pricing, the agent simply finds a different carrier and the insured can keep the same agent. If you are trying to find cheaper rates, you will definitely want to include several independent agencies to get the best comparison. Many write coverage with smaller companies that can offer cheaper rates than bigger companies.
Listed below is a small list of independent insurance agencies in Indianapolis that can possibly get you free rate quotes.
- Dalessandro Agency Inc
4240 N Franklin Rd #109 - Lawrence, IN 46226 - (317) 898-1866 - View Map
- A-1 Insurance Agency
2929 E 96th St Suite A. - Indianapolis, IN 46240 - (317) 844-3049 - View Map
- Shepherd Insurance and Financial Services
111 Congressional Blvd Suite 100 - Carmel, IN 46032 - (317) 846-5554 - View Map
Exclusive Insurance Agents
Agents that elect to be exclusive can only write with one company such as State Farm, AAA, Farmers Insurance or Allstate. They generally cannot give you multiple price quotes so you might not find the best rates. They are usually quite knowledgeable in insurance sales which helps offset the inability to provide other markets. Some consumers prefer to use the same agent partially due to the prominence of the brand and the convenience of having all coverages with one company.
Listed below are Indianapolis exclusive agencies that are able to give price quotes.
- GEICO Insurance Agent
3837 N High School Rd Suite 10 - Indianapolis, IN 46254 - (317) 216-0932 - View Map
- Tia Walker - State Farm Insurance Agent
2169 Glebe St #100a - Carmel, IN 46032 - (317) 890-1200 - View Map
- Charlotte Adams-Jones - State Farm Insurance Agent
5034 E 56th St - Indianapolis, IN 46226 - (317) 252-5933 - View Map
Choosing the best insurance agency should depend on more than just the price. Any agent in Indianapolis should be willing to answer these questions.
- What insurance companies do they recommend if they are an independent agent?
- Will your rates increase after a single accident?
- How much will you save each year by using a higher deductible?
- Will they give you a referral list?
- Do they regularly work with personal auto policies in Indianapolis?
- Will they take your side in the event of a claim?
Specific coverage details
Having a good grasp of your auto insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. These are typical coverages found on the average auto insurance policy.
Coverage for uninsured or underinsured drivers
Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your Jeep Wrangler.
Since a lot of drivers only purchase the least amount of liability that is required (25/50/10 in Indiana), it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Normally the UM/UIM limits are identical to your policy's liability coverage.
Comprehensive auto insurance
Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things such as fire damage, damage from a tornado or hurricane and falling objects. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.
This can cover damage that occurs to people or other property in an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/10 which means $25,000 in coverage for each person's injuries, a per accident bodily injury limit of $50,000, and a total limit of $10,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.
Liability insurance covers claims like structural damage, medical expenses, emergency aid, bail bonds and repair bills for other people's vehicles. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible. Indiana state minimum liability requirements are 25/50/10 but drivers should carry better liability coverage.
Coverage for medical expenses
Med pay and PIP coverage reimburse you for bills for funeral costs, chiropractic care and hospital visits. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible
This covers damage to your Wrangler from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims such as damaging your car on a curb, hitting a mailbox, sideswiping another vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It's also possible to choose a higher deductible on your Wrangler to save money on collision insurance.
Keep this in mind when shopping around
When buying insurance coverage, 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 only to find out that the few dollars in savings costed them thousands. Your goal should be to purchase a proper amount of coverage at the best possible price while still protecting your assets.
We just showed you many ideas to reduce Jeep Wrangler insurance premium rates online in Indianapolis. The key concept to understand is the more rate comparisons you have, the better your comparison will be. You may even be surprised to find that the lowest premium rates are with a small local company. These companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm, GEICO and Nationwide.
More information can be read below:
- Avoiding Deer Collisions (Insurance Information Institute)
- Who Has Cheap Car Insurance Rates for College Graduates in Indiana? (FAQ)
- Who Has the Cheapest Car Insurance Rates for 16 Year Olds in Indiana? (FAQ)
- What is the Best Cheap Car Insurance in Fort Wayne, IN? (FAQ)
- What is Covered by GAP Insurance? (Allstate)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- Tread Depth and Tire Safety (State Farm)
- Teen Driving and Texting (State Farm)