Are you researching more competitive insurance rates in Westfield, IN? Westfield consumers have options when looking for low-cost car insurance. They can either spend hours driving around trying to get quotes or leverage the internet to find the lowest rates.

There is a better way to shop for insurance so you're going to learn the absolute fastest way to compare rates for your and get the lowest price from Westfield insurance agents and online providers.

Smart consumers take time to compare prices once or twice a year because insurance prices are variable and change quite frequently. Just because you found the lowest rates on insurance a year ago a different company probably has better rate quotes today. Forget all the misinformation about insurance because I'm going to teach you the proper way to save money, get proper coverage and the best rates.

Our objective is to teach you how car insurance companies work and how you can save the most money. If you have a current auto insurance policy, you will most likely be able to lower your rates using the techniques covered below. Comparison shoppers only need an understanding of the most efficient way to shop from multiple carriers.

The companies shown below offer free rate quotes in Indiana. If several companies are displayed, we suggest you click on several of them to get the best price comparison.

Insurance Cost Estimates for Popular Vehicles in Westfield
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LS $868 $434 $72
Chevrolet Silverado LT Regular Cab 2WD $1,152 $576 $96
Dodge Ram Crew Cab ST 4WD $1,036 $518 $86
Ford Escape XLT 2WD $820 $410 $68
Ford F-150 XL Super Cab 4WD $912 $456 $76
Ford Focus SES 4-Dr Sedan $1,012 $506 $84
Ford Fusion SEL 4-Dr Sedan $948 $474 $79
Honda Accord EX-L 4-Dr Sedan $790 $395 $66
Honda CR-V EX-L 2WD $646 $323 $54
Honda Civic DX 2-Dr Coupe $1,084 $542 $90
Jeep Grand Cherokee Limited 4WD $948 $474 $79
Jeep Wrangler Rubicon 4WD 2-Dr $704 $352 $59
Mazda 3 I Sport 4-Dr Sedan $832 $416 $69
Nissan Altima 2.5 4-Dr Sedan $882 $441 $74
Toyota Camry LE $1,118 $559 $93
Toyota Corolla XLE $784 $392 $65
Toyota Tacoma X-Runner 2WD $1,286 $643 $107
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Estimates do not factor in garaging location in Westfield which can increase or decrease coverage rates noticeably.

Car insurance cost for men versus women

The illustration below shows the difference between insurance premiums for male and female drivers in Westfield. The data assumes no claims or driving violations, full coverage, $100 deductibles, single marital status, and no discounts are factored in on a Honda Civic DX.

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

Deductible comparison

The hardest decision when buying coverage is where to set your physical damage deductibles. The following insurance rates may help to conceptualize the differences in premium rates when you select higher and lower physical damage deductibles. The first rate comparisons uses a $100 deductible for comp and collision and the second price grid uses a $500 deductible.

Honda Civic rates are for example purposes only. To get rates for your specific vehicle, click here.

Honda Civic insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $210 $436 $280 $16 $84 $1,051 $88
Civic VP 4-Dr Sedan $210 $514 $280 $16 $84 $1,129 $94
Civic LX 4-Dr Sedan $210 $514 $280 $16 $84 $1,129 $94
Civic DX 2-Dr Coupe $210 $514 $350 $20 $106 $1,225 $102
Civic EX 4-Dr Sedan $210 $514 $280 $16 $84 $1,129 $94
Civic LX-S 4-Dr Sedan $210 $514 $280 $16 $84 $1,129 $94
Civic LX 2-Dr Coupe $210 $592 $350 $20 $106 $1,303 $109
Civic EX-L 4-Dr Sedan $242 $592 $280 $16 $84 $1,239 $103
Civic SI 4-Dr Sedan $242 $592 $280 $16 $84 $1,239 $103
Civic EX 2-Dr Coupe $242 $592 $350 $20 $106 $1,335 $111
Civic GX 4-Dr Sedan $242 $592 $280 $16 $84 $1,239 $103
Civic EX-L 2-Dr Coupe $242 $592 $350 $20 $106 $1,335 $111
Civic Hybrid 4-Dr Sedan $272 $514 $280 $16 $84 $1,191 $99
Civic SI 2-Dr Coupe $272 $670 $350 $20 $106 $1,443 $120
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Honda Civic insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $154 $294 $280 $16 $84 $828 $69
Civic VP 4-Dr Sedan $154 $348 $280 $16 $84 $882 $74
Civic LX 4-Dr Sedan $154 $348 $280 $16 $84 $882 $74
Civic DX 2-Dr Coupe $154 $348 $350 $20 $106 $978 $82
Civic EX 4-Dr Sedan $154 $348 $280 $16 $84 $882 $74
Civic LX-S 4-Dr Sedan $154 $348 $280 $16 $84 $882 $74
Civic LX 2-Dr Coupe $154 $400 $350 $20 $106 $1,030 $86
Civic EX-L 4-Dr Sedan $176 $400 $280 $16 $84 $956 $80
Civic SI 4-Dr Sedan $176 $400 $280 $16 $84 $956 $80
Civic EX 2-Dr Coupe $176 $400 $350 $20 $106 $1,052 $88
Civic GX 4-Dr Sedan $176 $400 $280 $16 $84 $956 $80
Civic EX-L 2-Dr Coupe $176 $400 $350 $20 $106 $1,052 $88
Civic Hybrid 4-Dr Sedan $200 $348 $280 $16 $84 $928 $77
Civic SI 2-Dr Coupe $200 $452 $350 $20 $106 $1,128 $94
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Rate information does not factor in zip code location which can alter rates substantially.

Based on the above data, using a $100 deductible will cost you roughly $22 more each month or $264 every year than choosing the higher $500 deductible. Because you would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at least 18 months between claim filings, you would probably save some money by going with a higher deductible. The table below illustrates the way you can perform this determination yourself.

Average monthly premium for $100 deductibles: $102
Average monthly premium for $500 deductibles (subtract): - $80
Monthly savings from raising deductible: $22
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $22
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

One thing to be aware of is that a higher deductible results in having to pay to pay more out-of-pocket when you have a comprehensive or collision claim. That will require enough disposable savings in order to pay the higher deductible.

Three main reasons to buy car insurance

Even though it can be expensive, buying car insurance is most likely required but also gives you several important benefits.

The benefits of buying car insurance definitely exceed the price paid, particularly if you ever have a claim. In a recent study of 1,000 drivers, the average customer is overpaying more than $869 every year so it's very important to do a rate comparison every year to be sure current rates are still competitive.

Learn how to lower your insurance rates

One of the most helpful ways to save on insurance is to to have a grasp of a few of the rating criteria that come into play when calculating the level of your policy premiums. If you have a feel for what determines base rates, this allows you to make good choices that may reward you with better insurance rates.

Listed below are some of the factors utilized by car insurance companies to help set your prices.

Get cheaper auto insurance with discounts

Insuring your fleet can be pricey, but you may qualify for discounts that can help lower your rates. Some trigger automatically at the time of purchase, but a few must be requested specifically before being credited. If they aren't giving you every credit available, you are not getting the best rate possible.Discount auto insurance

You should keep in mind that some credits don't apply to the whole policy. Some only reduce individual premiums such as medical payments or collision. Even though the math looks like you would end up receiving a 100% discount, nobody gets a free ride.

Car insurance companies that possibly offer most of these discounts are:

If you need lower rates, check with all the companies how many discounts you can get. Some of the discounts discussed earlier may not be offered everywhere.

Best and worst vehicle claim statistics

Which vehicles rank well for chances of having claims? The statistics below list the highest and lowest vehicles for the overall chance of having large claims for each type of coverage listed.

Liability Coverage Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Audi A6 Kia Rio
Subaru Outback Chevrolet Impala
Mercedes-Benz SL Class Chevrolet Cruze
Subaru Forester Mitsubishi Mirage
Chevrolet Corvette Chrysler 200
Volvo XC60 Chevrolet Sonic

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Collision Coverage Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Ford Edge BMW 6 Series
Smart ForTwo Nissan GT-R
GMC Canyon Maserati Ghibli
Ford F-250 SuperCab Bently Continental GT
Jeep Wrangler Maserati Granturismo
Nissan Xterra Ferrari 458

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Car Insurance Medical Payment Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Ford Expedition Nissan Sentra
Audi A4 Allroad Mitsubishi Lancer
Tesla Model S Chrysler 200
Chevrolet Silverado 3500 Hyundai Accent
Chevrolet Corvette Chevrolet Spark
Chevrolet Silverado 2500 Kia Forte

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Comprehensive Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Nissan Xterra Bentley Continental GTC
Nissan Leaf Maserati Quattroporte
Infiniti QX50 Bentley Continental GT
Chevy Silverado 2500 BMW M6
Smart ForTwo Mercedes-Benz S Class
Ford F-350 Porsche Panamera GTS

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Don't give up on cheaper premiums

Throughout this article, we presented quite a bit of information on how to find cheaper coverage online. The key concept to understand is the more price quotes you have, the higher the chance of saving money. Consumers may even find the best prices are with the least-expected company.

Low-cost auto insurance in Westfield is definitely available online in addition to local insurance agencies, and you should compare rates from both in order to have the best price selection to choose from. Some insurance companies may not have rates over the internet and these small insurance companies only sell through independent insurance agents.

When shopping online for auto insurance, you should never reduce needed coverages to save money. There have been many situations where an insured dropped full coverage to discover at claim time that the savings was not a smart move. The aim is to purchase plenty of coverage at the best price.

Much more information about auto insurance in Indiana is available at these links: