Astonishing but true, nearly 70% of consumers kept their coverage with the same car insurance company for four years or more, and 38% of drivers have never compared rate quotes at all. Indianapolis drivers can cut their rates by up to 55% a year just by shopping around, but they just assume it’s a time-consuming process to find affordable car insurance rates.
To save the most money, the best way to find more affordable auto insurance rates is to compare quotes annually from providers that sell auto insurance in Indianapolis.
- First, try to learn about how your policy works and the modifications you can make to keep rates low. Many rating factors that result in higher rates like speeding tickets, accidents and an imperfect credit score can be controlled by paying attention to minor details. Later in this article we will cover more information to help keep prices low and find additional discounts you may qualify for.
- Second, quote rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from a single company like Progressive or Farmers Insurance, while independent agents can quote prices from multiple insurance companies. Click to view companies
- Third, compare the quotes to your existing coverage and determine if there is any savings. If you find a lower rate quote and switch companies, make sure coverage is continuous and does not lapse.
- Fourth, notify your current company to cancel your current policy. Submit payment and a signed application to your new insurance company. Immediately upon receiving it, place the new certificate verifying coverage in your vehicle’s glove compartment or console.
A key point to remember is to try to compare the same deductibles and limits on each quote request and and to get quotes from every insurance company. This helps ensure an apples-to-apples comparison and maximum price selection.
The quickest method to get rate comparisons for Hummer H3 insurance in Indianapolis utilizes the fact auto insurance companies will pay a fee to compare rate quotes. The one thing you need to do is take a few minutes to give details including how much education you have, marital status, how you use your vehicles, and if the car is leased. Your rating data is submitted instantly to many highly-rated insurers and they return rate quotes almost instantly.
If you would like to compare rates now, click here and complete the quick form.
The providers in the list below are ready to provide free rate quotes in Indiana. If multiple companies are shown, we recommend you compare several of them to get the best price comparison.
Auto insurance data for a Hummer H3
The coverage information below showcases estimates of prices for Hummer H3 models. Knowing how premiums are calculated is important to be able to make smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| H3 Adventure Package 4WD | $192 | $392 | $364 | $22 | $110 | $1,080 | $90 |
| H3 4WD | $192 | $392 | $364 | $22 | $110 | $1,080 | $90 |
| H3 Luxury Package 4WD | $192 | $392 | $364 | $22 | $110 | $1,080 | $90 |
| H3 Alpha 4WD | $212 | $392 | $364 | $22 | $110 | $1,100 | $92 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Prices do not factor in zip code location which can modify coverage rates significantly.
How high should deductibles be?
A question often asked by Indianapolis drivers is how high should the deductibles for physical damage be. The rates shown below may help you to understand the differences in premium rates when you buy lower versus higher comp and collision deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| H3 Adventure Package 4WD | $244 | $430 | $280 | $16 | $84 | $1,079 | $90 |
| H3 4WD | $244 | $430 | $280 | $16 | $84 | $1,079 | $90 |
| H3 Luxury Package 4WD | $244 | $430 | $280 | $16 | $84 | $1,079 | $90 |
| H3 Alpha 4WD | $272 | $430 | $280 | $16 | $84 | $1,107 | $92 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| H3 Adventure Package 4WD | $152 | $270 | $280 | $16 | $84 | $802 | $67 |
| H3 4WD | $152 | $270 | $280 | $16 | $84 | $802 | $67 |
| H3 Luxury Package 4WD | $152 | $270 | $280 | $16 | $84 | $802 | $67 |
| H3 Alpha 4WD | $168 | $270 | $280 | $16 | $84 | $818 | $68 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Information does not factor in specific location information which can increase or decrease premium rates considerably.
Using the premium rates above, we can conclude that using a $250 deductible could cost the average driver approximately $24 more each month or $288 every year than choosing the higher $1,000 deductible. Because you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 31 months between claims, you would most likely save money if you choose a higher deductible. Here’s an example of how you can do this calculation yourself.
| Average monthly premium for $250 deductibles: | $91 |
| Average monthly premium for $1,000 deductibles (subtract): | – $67 |
| Monthly savings from raising deductible: | $24 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $24 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 31 months |
Insurance agent or online?
A small number of people still prefer to sit down and talk to an agent and that is recommended in a lot of cases Agents can answer important questions and will help you if you have claims. The biggest benefit of comparing auto insurance online is the fact that drivers can get cheaper rates and still have an agent to talk to. Buying from and supporting local agencies is important particularly in Indianapolis.
To find an agent, once you fill out this form (opens in new window), your coverage information gets sent to local insurance agents who can give free rate quotes for your coverage. There is no need to even leave your home since price quotes are sent instantly to you. If for some reason you want to compare rates from one company in particular, you can always visit that company’s website and fill out the quote form the provide.
Not all car insurance agents are the same
If you are searching for a reliable insurance agent, there are a couple of different types of agencies and how they can service your needs differently. Auto insurance policy providers are classified as either independent or exclusive depending on the company they work for. Either type can provide auto insurance policies, but we need to point out the difference between them because it may have an impact on the kind of agent you use.
Independent Auto Insurance Agencies
Independent insurance agents often have many company appointments and that allows them to write policies with any number of different companies depending on which coverage is best. If premiums increase, the agent simply finds a different carrier and you don’t have to switch agencies.
When comparing rates, we recommend you include a few independent agents to ensure the widest selection of prices. Many can place coverage with mutual insurance companies which may have better rates.
Featured below is a list of independent insurance agencies in Indianapolis who may be able to give you free auto insurance rate quotes.
- A-1 Insurance Agency
2929 E 96th St Suite A. – Indianapolis, IN 46240 – (317) 844-3049 – View Map - Multiline Insurance Agency
9801 Fall Creek Rd #156 – Indianapolis, IN 46256 – (317) 476-6141 – View Map - Skaggs Insurance Agencies Inc
5519 E 82nd St e – Indianapolis, IN 46250 – (317) 841-6000 – View Map
Exclusive Auto Insurance Agencies
These agents are contracted to one company like Allstate and State Farm. They usually cannot provide other company’s prices so it’s a take it or leave it situation. They receive extensive training on their company’s products which helps overcome the inability to quote other rates. Consumers frequently use the same exclusive agent partially due to the prominence of the brand rather than low rates.
Shown below is a list of exclusive agents in Indianapolis willing to provide price quote information.
- Bill Hill – State Farm Insurance Agent
7423 E 82nd St – Indianapolis, IN 46256 – (317) 849-4119 – View Map - State Farm: Rahvy Murray
3955 Eagle Creek Pkwy E – Indianapolis, IN 46254 – (317) 297-3804 – View Map - Leland Brown Sr. – State Farm Insurance Agent
5936 N Keystone Ave #201 – Indianapolis, IN 46220 – (317) 251-1400 – View Map
Finding the right insurance agent needs to be determined by more than just a cheap price quote. Any good agent in Indianapolis should know the answers to these questions.
- Does the quote include credit and driving reports?
- How are they compensated?
- What company holds the largest book of business for them?
- How often do they review policy coverages?
- Can you use your own choice of collision repair facility?
If you get satisfactory answers to all your questions and a good coverage price, you’ve probably found a car insurance agent that meets the criteria to properly service your auto insurance policy.