If you want to save the most money, the best way to save on Chrysler Sebring insurance in Indianapolis is to do an annual price comparison from providers who provide car insurance in Indiana. You can compare rates by completing these steps.
- Try to comprehend how your policy works and the steps you can take to lower rates. Many risk factors that cause rate increases such as accidents, traffic tickets, and a less-than-favorable credit rating can be rectified by making minor changes to your lifestyle.
- Compare prices from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from a single company like GEICO and Allstate, while independent agencies can provide prices for a wide range of companies.
- Compare the new quotes to your existing policy and determine if there is any savings. If you find a better price, make sure coverage is continuous and does not lapse.
- Provide adequate notice to your current company of your decision to cancel your current policy and submit a completed policy application and payment to the new insurer. As soon as coverage is bound, place the new certificate of insurance somewhere easily accessible.
One key aspect when comparing rates is to try to compare identical coverages on every quote request and and to get price quotes from every insurance company. Doing this ensures an apples-to-apples comparison and a better comparison of the market.
Anyone knows that auto insurance companies don’t want you to look for a cheaper policy. Insureds who get price quotes annually are inclined to buy a new policy because there is a high probability of finding better rates. Remarkably, a study showed that drivers who routinely shopped for cheaper coverage saved $850 each year compared to people who never shopped for cheaper rates.
If finding the cheapest rates on Chrysler Sebring insurance in Indianapolis is your objective, then having some insight into the best way to compare coverages can save time, money, and frustration.
If you have coverage now or just want a better rate, you can use these tips to find the best rates without sacrificing coverage. Locating the best-priced auto insurance in Indianapolis is not as time-consuming as you think. Smart shoppers just have to know how to compare prices instantly.
Best Chrysler Sebring insurance price quotes in Indiana
The auto insurance companies shown below have been selected to offer price comparisons in Indianapolis, IN. If multiple companies are shown, we suggest you compare several of them to find the lowest auto insurance rates.
Chrysler Sebring insurance coverage information
The coverage table below showcases a range of insurance premium costs for Chrysler Sebring models. Having a better idea how car insurance prices are established is important for you to make decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sebring Touring 4-Dr Sedan | $152 | $358 | $318 | $18 | $94 | $940 | $78 |
| Sebring Limited 4-Dr Sedan | $152 | $358 | $318 | $18 | $94 | $940 | $78 |
| Sebring LX 2-Dr Convertible | $172 | $358 | $318 | $18 | $94 | $960 | $80 |
| Sebring Touring 2-Dr Convertible | $172 | $358 | $318 | $18 | $94 | $960 | $80 |
| Sebring Limited 2-Dr Convertible | $190 | $412 | $318 | $18 | $94 | $1,032 | $86 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Price estimates do not factor in the specific area where the vehicle is garaged which can revise prices noticeably.
Rate comparison of male drivers versus female drivers
The example below illustrates the comparison of Chrysler Sebring car insurance costs for male and female drivers. The rate quotes are based on no accidents, no driving violations, full physical damage coverage, $250 deductibles, marital status is single, and no policy discounts are applied.
Full coverage rates vs. liability-only in Indianapolis
The example below illustrates the difference between Chrysler Sebring car insurance costs with full coverage compared to only the Indiana minimum liability coverage. The premium estimates are based on no driving violations, no at-fault accidents, $1,000 deductibles, drivers are single, and no discounts are factored in.
When to stop buying physical damage coverage
There is no specific rule that is best for determining when to drop full coverage on your policy, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.
For example, let’s pretend your Chrysler Sebring claim settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $8,000 after paying the physical damage deductible. If you are paying in excess of $800 a year to have full coverage, the it may be a good time to stop paying for full coverage.
There are some situations where removing full coverage is not a good plan. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not drop full coverage.
Cut your insurance rates with discounts
Some providers do not advertise every available discount very well, so below is a list a few of the more common and also the lesser-known credits available to lower your premiums when you buy Indianapolis auto insurance online.
- Claim Free – Good drivers with no accidents get the best insurance rates as opposed to bad drivers.
- College Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from Indianapolis and do not take a car to college may be able to be covered for less.
- Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts can get savings of 25 to 30%.
- Theft Prevention Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen and earn discounts up to 10% off your Indianapolis auto insurance quote.
- Telematics Discount – Indianapolis drivers who agree to allow driving data submission to scrutinize driving patterns by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm might see lower rates if they are good drivers.
- Indianapolis Homeowners Discount – Being a homeowner can get you a discount due to the fact that maintaining a home requires personal responsibility.
- Multi-car Discount – Buying coverage for multiple vehicles on the same insurance policy can reduce the rates for all insured vehicles.
As a disclaimer on discounts, most discount credits are not given to the entire cost. Most cut the cost of specific coverages such as comprehensive or collision. So when it seems like having all the discounts means you get insurance for free, companies don’t profit that way. But any discount should help reduce your policy premiums.
The information below illustrates the comparison of Chrysler Sebring auto insurance costs with and without discounts applied to the premium. The rates are based on a female driver, no accidents, no driving violations, Indiana state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, multi-policy, claim-free, homeowner, and marriage discounts applied.
A few popular companies and some of their more popular discounts can be read below.
- GEICO policyholders can earn discounts including anti-theft, driver training, emergency military deployment, federal employee, and good student.
- USAA discounts include vehicle storage, defensive driver, family discount, good student, multi-policy, and loyalty savings.
- Progressive may offer discounts for multi-policy, homeowner, multi-vehicle, online quote discount, continuous coverage, and good student.
- American Family offers premium reductions for multi-vehicle, air bags, defensive driver, bundled insurance, and mySafetyValet.
- Esurance has discounts for claim free, paid-in-full, Pac-12 alumni, online quote, Switch & Save, and homeowner.
- Farmers Insurance offers discounts for mature driver, multi-car, good student, distant student, teen driver, pay in full, and bundle discounts.
- State Farm may include discounts for defensive driving training, accident-free, anti-theft, good student, safe vehicle, good driver, and multiple policy.
Double check with each company or agent which discounts you may be entitled to. All car insurance discounts may not apply to policies in your area. To locate insurance companies that can offer you the previously mentioned discounts in Indianapolis, follow this link.
It’s not one size fits all
When selecting the right insurance coverage, there really isn’t a “best” method to buy coverage. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions might help in determining whether you will benefit from professional help.
- Am I covered if I crash into my own garage door?
- How can I force my company to pay a claim?
- What are the financial responsibility laws in my state?
- What discounts do I qualify for?
- Is my nanny covered when driving my vehicle?
- Am I covered when driving in Canada or Mexico?
- When do I need to add a new car to my policy?
If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance companies in your area. It’s fast, free and can help protect your family.
Comparing prices from local Indianapolis insurance agents
Some consumers still like to talk to a local agent and that is a smart decision Experienced insurance agents are trained to spot inefficiencies and will help you if you have claims. The biggest benefit of comparing rates online is you may find cheaper rates and still have a local agent. And providing support for local insurance agencies is definitely important in Indianapolis.
To make it easy to find an agent, after completing this short form, your insurance coverage information is sent to local insurance agents who will return price quotes for your business. There is no need to visit any agencies as quotes are delivered directly to your email. If you want to compare prices from a specific insurance company, you can always navigate to their website and complete a quote there.
Not all car insurance agents are the same
When looking for a reputable insurance agent or broker, it helps to know the two different types of agencies and how they operate. Agents are considered either exclusive or independent. Both types can write policy coverage, but it’s worth mentioning how they differ since it can impact the kind of agent you use.
Independent Agencies or Brokers
Agents in the independent channel do not have single company limitations so as a result can place your coverage through many different auto insurance companies and possibly get better coverage at lower prices. If they quote lower rates, your agent can switch companies which is easy for the insured. If you need lower rates, you need to compare quotes from a couple of independent agencies in order to compare the most rates. They also have the ability to place coverage with mutual insurance companies that may provide cheaper auto insurance rates.
Shown below is a short list of independent insurance agents in Indianapolis who may provide pricing information.
- Skaggs Insurance Agencies Inc
5519 E 82nd St e – Indianapolis, IN 46250 – (317) 841-6000 – View Map - McGowan Insurance Group, Inc.
355 Indiana Ave – Indianapolis, IN 46204 – (317) 464-5000 – View Map - Access Auto Insurance
2107 W Washington St – Indianapolis, IN 46222 – (317) 687-8807 – View Map
Exclusive Insurance Agencies
These agents can only quote rates from one company such as Allstate, State Farm and Farmers Insurance. Exclusive agencies are unable to give you multiple price quotes so you need to shop around if the rates are high. These agents are well trained in insurance sales which can be an advantage. Some consumers prefer to use the same exclusive agent mainly due to the brand legacy and the convenience of having a single billing for all their coverages.
Listed below is a short list of exclusive insurance agents in Indianapolis that can give you price quote information.
- Allstate Insurance: Sarah Franke
916 Shadeland Ave – Indianapolis, IN 46219 – (317) 359-8271 – View Map - Farmers Insurance
2229 Martin Luther King Jr St – Indianapolis, IN 46208 – (317) 925-5557 – View Map - Allstate Insurance: Scott Verbarg
6120 E Thompson Rd Ste B – Indianapolis, IN 46237 – (317) 802-1550 – View Map
Finding the right auto insurance agent needs to be determined by more than just a cheap price quote. The answers to these questions are important, too.
- What is the financial rating for the quoted company?
- Do they get extra compensation for selling add-on coverages?
- Can glass repairs be made at your home?
- Does the company allow you to choose your own collision repair facility?
- Will one accident increase rates?
- Is vehicle damage repaired with OEM or aftermarket parts?
- How long have they worked with personal auto insurance coverage?
Quote. Compare. Save.
A few companies may not provide online price quotes and many times these smaller companies work with local independent agents. Cheaper car insurance in Indianapolis can be found from both online companies and also from your neighborhood Indianapolis agents, so you need to compare both to have the best selection.
You just read many ideas to compare Chrysler Sebring insurance auto insurance rates in Indianapolis. The most important thing to understand is the more rate quotes you have, the higher your chance of finding inexpensive Indianapolis auto insurance quotes. You may even be surprised to find that the lowest auto insurance rates come from a small local company. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate, GEICO and Progressive.
Helpful resources
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- Who Has Cheap Car Insurance Rates for a Ford Fusion in Indianapolis? (FAQ)
- Understanding your Policy (NAIC.org)
- Comprehensive Coverage (Liberty Mutual)