No sane person likes paying for auto insurance, in particular when they could get a better deal.

Unbelievably, the majority of drivers have remained with the same auto insurance company for four years or more, and virtually 40% of consumers have never compared rates with other companies. Many consumers in Plainfield could pocket almost $700 a year by just comparing quotes, but most undervalue the large savings they would see if they swap their current policy for a cheaper one.

You have multiple insurers to purchase coverage from, and even though it's nice to have multiple companies, more options can take longer to find the best rates.

Buying the cheapest insurance in Plainfield is actually quite simple. If you are already insured, you will definitely be able to buy cheaper insurance using the tips covered below. Although Indiana drivers must learn the way insurance companies determine what you pay and use it to your advantage.

When price shopping your coverage, comparing a large number of companies helps improve the odds of finding more affordable insurance. Some regional insurers cannot provide price estimates online, so it's necessary to compare rates from those companies as well.

The companies shown below are ready to provide free quotes in Indiana. If multiple companies are shown, we suggest you visit as many as you can to get the most competitive price.

Insurance Rates for Popular Vehicles in Plainfield
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 2WD $750 $375 $63
Chevrolet Silverado LTZ Crew Cab 4WD $1,018 $509 $85
Dodge Ram Quad Cab TRX4 Off Road 4WD $1,164 $582 $97
Ford Escape XLS 4WD $842 $421 $70
Ford F-150 SVT Raptor Super Cab 4WD $772 $386 $64
Ford Focus S 4-Dr Sedan $736 $368 $61
Ford Fusion SEL AWD 4-Dr Sedan $1,098 $549 $92
GMC Sierra SLE Extended Cab 4WD $1,058 $529 $88
Honda Accord LX 4-Dr Sedan $630 $315 $53
Honda CR-V LX 4WD $724 $362 $60
Honda Civic GX 4-Dr Sedan $1,366 $683 $114
Hyundai Elantra SE 4-Dr Sedan $766 $383 $64
Nissan Altima 2.5 S 4-Dr Sedan $1,038 $519 $87
Toyota Camry Hybrid $1,116 $558 $93
Toyota Corolla XRS $928 $464 $77
Toyota Prius $696 $348 $58
Toyota RAV4 Limited 4WD $1,094 $547 $91
Toyota Tacoma 2WD $950 $475 $79
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Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Information does not factor in specific location information which can modify price quotes greatly.

Male drivers versus female drivers

The example below visualizes the comparison of car insurance costs for male and female drivers in Plainfield. The price estimates are based on no violations or claims, comprehensive and collision coverage, $500 deductibles, drivers are single, and no discounts are applied to the premium on a Ford Fusion SE.

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

Auto insurance protects more than just your car

Even though it can be expensive, maintaining insurance may be required for several reasons.

First, almost all states have minimum mandated liability insurance limits which means the state requires a minimum amount of liability insurance in order to drive the car. 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 you bought your vehicle with a loan, more than likely the lender will make it a condition of the loan that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the lender will be forced to insure your vehicle at a more expensive rate and make you pay the higher price.

Third, auto insurance preserves both your assets and your car. It will also pay for all forms of medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If mother nature or an accident damages your car, your policy will cover the repair costs.

The benefits of buying auto insurance definitely exceed the price paid, specifically if you ever have a liability claim. But the average American driver is overpaying over $830 a year so it's very important to do a rate comparison every year to ensure rates are competitive.

Why you might not save $461 a year

Progressive, GEICO, Allstate and State Farm regularly use ads on television and other media. All the companies say the same thing that drivers will save a bundle after switching your insurance policy to them. That's great but how can every company offer drivers better rates?

Insurance companies have a preferred profile for a prospective insured that will be a good risk. A good example of a desirable insured may need to be between 30 and 50, owns a home, and has a short commute. A customer that meets those criteria will qualify for the lowest car insurance rates in Plainfield and will probably save money with a new company.

Insureds who are not a match for the ideal profile will be quoted a more expensive rate which results in business going elsewhere. The ad wording is "people who switch" but not "all drivers who get quotes" save that kind of money. That is how insurance companies can make it sound like they have such great premium rates. This illustrates why you absolutely need to compare free Plainfield car insurance quotes often. Because you never know which insurance company will have the best car insurance rates for your profile.

Insurance rates and discounts

Insurance is easily one of your largest bills, but there may be some discounts that many people don't even know exist. Certain credits will be shown at the time you complete a quote, but a few must be requested specifically before they will apply.Discount insurance

As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. A few only apply to individual premiums such as comp or med pay. Even though the math looks like adding up those discounts means a free policy, companies wouldn't make money that way.

Larger insurance companies and some of the discounts are detailed below.

Check with every prospective company which discounts you may be entitled to. Depending on the company, some discounts might not be offered in Plainfield. If you would like to view insurance companies with significant discounts in Plainfield, click here.

Insurance agencies can help

Some people would prefer to talk to an insurance agent and that is a smart decision One of the best bonuses of comparing auto insurance online is that you can obtain lower rates and still buy from a local agent.

To make it easy to find an agent, after completing this quick form, the coverage information is immediately sent to participating agents in Plainfield who want to provide quotes for your insurance coverage. It makes it easy because there is no need to contact any insurance agencies because quoted prices will be sent to the email address you provide. You can find better rates without a big time investment. In the event you want to get a price quote from a specific insurance company, you can always go to their quote page and submit a quote form there.

Finding a good provider needs to be determined by more than just the bottom line cost. Here are some questions you might want to ask.

Which policy gives me the best coverage?

When quoting and comparing proper insurance coverage, there really is no one-size-fits-all type of policy. You are unique.Auto insurance savings

For example, these questions could help you determine whether your personal situation will benefit from professional help.

If you don't know the answers to these questions then you might want to talk to a licensed agent. If you don't have a local agent, fill out this quick form.

Auto insurance overall losses by make and model

Are you driving a vehicle that ranks well for claims? The following claim statistics show the best and worst vehicle makes and models for the probability of having claims for each type of coverage.

Vehicle Make and Models with the Lowest and Highest Bodily Injury Liability Claims
Lowest Claims Highest Claims
Subaru Outback Dodge Charger
Acura MDX Kia Rio
Fiat 500 Mitsubishi Mirage
Audi A6 Chevrolet Sonic
Subaru Forester Chrysler 200
Chevrolet Corvette Chevrolet Impala

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

Lowest and Highest Medical Payment Claims by Manufacturer Model
Lowest Claims Highest Claims
Audi A4 Allroad Nissan Sentra
Tesla Model S Chevrolet Sonic
Ford Expedition Mitsubishi Mirage
Chevrolet Corvette Nissan Versa
Chevrolet Silverado 2500 Hyundai Accent
Ford F-350 SuperCrew Chevrolet Spark

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

Lowest and Highest Comprehensive Claims by Manufacturer Model
Lowest Claims Highest Claims
GMC Sierra 2500 BMW M6
Chevy Spark Mercedes-Benz S Class
Nissan Xterra Bentley Continental GT
Infiniti QX50 Audi S7
Volvo V60 Maserati Quattroporte
Nissan Leaf Bentley Continental GTC

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

Collision Coverage Claims by Vehicle
Lowest Claims Highest Claims
Ford Edge Audi RS7
GMC Canyon Maserati Granturismo
Jeep Wrangler Bently Continental GT
Nissan Xterra BMW 6 Series
Ford F-250 SuperCab Bentley Continental Flying Spur
Ford F-150 SuperCrew Nissan GT-R

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

Compare but don't skimp

When searching for the cheapest Plainfield car insurance quotes, it's a bad idea to buy less coverage just to save a little money. There are many occasions where an insured dropped liability coverage limits only to regret that it was a big error on their part. The goal is to buy a smart amount of coverage for the lowest price.

Drivers who switch companies do it for a number of reasons such as being labeled a high risk driver, questionable increases in premium, an unsatisfactory settlement offer and even delays in paying claims. Whatever your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

There are still a few companies who may not offer online price quotes and usually these regional insurance providers provide coverage only through independent agents. Cheaper auto insurance in Plainfield can be purchased from both online companies as well as from independent agents in Plainfield, and you need to comparison shop both in order to have the best price selection to choose from.

Much more information about auto insurance in Indiana can be read at the links below