If saving money is your primary concern, then the best way to get affordable car insurance rates in Indianapolis is to make a habit of regularly comparing prices from insurance carriers in Indiana.
- Try to learn a little about how companies price auto insurance and the things you can change to keep rates low. Many policy risk factors that cause high rates such as traffic citations and a poor credit rating can be controlled by making lifestyle changes or driving safer. This article provides instructions to help keep prices low and find discounts that may have been missed.
- Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from a single company like Progressive or Farmers Insurance, while agents who are independent can provide rate quotes from multiple sources. Find an Indianapolis insurance agent
- Compare the new quotes to the premium of your current policy and see if you can save money. If you can save money and change companies, verify that coverage does not lapse between policies.
- Notify your company or agent of your intent to cancel your current car insurance policy. Submit the signed application along with the required initial payment for your new policy. As soon as you can, keep the new certificate verifying proof of insurance along with your vehicle registration.
The most important part of shopping around is to try to compare identical coverage information on each quote and and to look at as many companies as possible. Doing this guarantees a level playing field and the best price selection.
Unimaginable but true, the vast majority of car insurance customers kept their policy with the same company for four years or more, and 38% of drivers have never shopped around. With the average car insurance premium being $1,390, Indianapolis drivers could save approximately 55% each year by just shopping around, but they just feel it’s too hard to compare rates and save money.
Cheap companies for Chevy City Express insurance in Indiana
The companies shown below offer free quotes in Indianapolis, IN. If more than one company is shown, we suggest you click on several of them in order to find the most affordable rates.
Data for Chevy City Express insurance
The data table displayed next outlines detailed analysis of policy rates for Chevy City Express models. Having a good understanding how insurance policy premiums are figured can be valuable when making informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| City Express Cargo 2500 2WD | $106 | $174 | $290 | $18 | $86 | $674 | $56 |
| City Express Cargo 1500 2WD | $106 | $212 | $290 | $18 | $86 | $712 | $59 |
| City Express Cargo 3500 2WD | $122 | $212 | $290 | $18 | $86 | $728 | $61 |
| City Express 2500 LT 2WD | $122 | $212 | $290 | $18 | $86 | $728 | $61 |
| City Express 2500 2WD | $122 | $212 | $290 | $18 | $86 | $728 | $61 |
| City Express 2500 LS 2WD | $122 | $212 | $290 | $18 | $86 | $728 | $61 |
| City Express 3500 2WD | $122 | $212 | $290 | $18 | $86 | $728 | $61 |
| City Express Cargo 1500 AWD | $122 | $212 | $290 | $18 | $86 | $728 | $61 |
| City Express 1500 LS 2WD | $122 | $212 | $290 | $18 | $86 | $728 | $61 |
| City Express 1500 LS AWD | $122 | $250 | $290 | $18 | $86 | $766 | $64 |
| City Express 1500 AWD | $122 | $250 | $290 | $18 | $86 | $766 | $64 |
| City Express 1500 LT 2WD | $122 | $250 | $290 | $18 | $86 | $766 | $64 |
| City Express Cargo 1500 Turbo Diesel 2WD | $122 | $250 | $290 | $18 | $86 | $766 | $64 |
| City Express Cargo 2500 Turbo Diesel 2WD | $138 | $250 | $290 | $18 | $86 | $782 | $65 |
| City Express 3500 LT 2WD | $138 | $250 | $290 | $18 | $86 | $782 | $65 |
| City Express 3500 LS 2WD | $138 | $250 | $290 | $18 | $86 | $782 | $65 |
| City Express 3500 2WD | $138 | $250 | $290 | $18 | $86 | $782 | $65 |
| City Express 1500 LT AWD | $138 | $250 | $290 | $18 | $86 | $782 | $65 |
| City Express Cargo 3500 Turbo Diesel 2WD | $138 | $250 | $290 | $18 | $86 | $782 | $65 |
| City Express Cargo 1500 Turbo Diesel AWD | $138 | $250 | $290 | $18 | $86 | $782 | $65 |
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Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Estimates do not factor in Indianapolis location which can raise or lower coverage prices significantly.
The example below illustrates how choosing a deductible and can change Chevy City Express yearly insurance costs for different age groups. The rates are based on a married female driver, full physical damage coverage, and no discounts are factored in.
Accidents and violations increase rates
The diagram below illustrates how speeding tickets and accidents raise Chevy City Express annual premium costs for different ages of insureds. The data is based on a married male driver, full coverage, $500 deductibles, and no additional discounts are factored in.
Gender-based insurance rates
The diagram below visualizes the comparison of Chevy City Express insurance costs for male and female drivers. The prices are based on no violations or claims, full physical damage coverage, $250 deductibles, single marital status, and no discounts are taken into consideration.
How Insurance Companies Calculate Chevy City Express Insurance Premiums
An important part of buying insurance is that you know some of the things that help determine your premiums. If you have a feel for what controls the rates you pay, this enables informed choices that can help you get lower rates.
You might pay more if you are single – Your spouse may earn you lower rates when shopping for insurance. Marriage generally demonstrates drivers are more stable financially and it’s statistically proven that married drivers get in fewer accidents.
Better credit means lower prices – Having a bad credit score can be an important factor in determining your rates. People with good credit tend to be more responsible and file fewer claims than those with poor credit scores. So if your credit score is low, you could save money insuring your Chevrolet City Express by taking the time to improve your credit score.
Safer vehicles cost less to insure – Vehicles that have high safety ratings tend to have lower insurance rates. The safest vehicles have better occupant injury protection and any reduction in injury severity means less claims paid and cheaper rates on your policy. If your Chevy scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
Additional coverages that may be costing you – There are a lot of extra add-on coverages you can purchase on your City Express policy. Insurance for things like roadside assistance, death and dismemberment, and extra life insurance coverage may be wasting your money. These coverages may sound good initially, but if they’re wasting money eliminate the coverages to reduce your premium.
Your address can affect costs – Choosing to live in a small town has it’s advantages when insuring your vehicles. Fewer drivers means a lower chance of having an accident and a lower car theft rate. Residents of big cities regularly have congested traffic and longer commutes to work. Higher commute times translates into higher accident risk.
Verify you’re receiving every discount
Buying insurance is not cheap, but you might already qualify for some discounts that you may not even be aware of. Many of these discounts will be applied automatically when you get a quote, but once in a while a discount must be inquired about before you will receive the discount. If you do not double check each discount possible, it’s possible you qualify for a lower rate.
- Multiple Policy Discount – When you combine your home and auto insurance with one company you could get a discount of over 10 percent off each policy depending on the company.
- New Vehicle Savings – Buying a new car instead of a used City Express may earn a small discount since newer vehicles are generally safer.
- Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems may qualify for discounts of 20 to 30 percent.
- E-sign – A handful of larger companies will give a small break just for signing your application on the internet.
- Multiple Cars – Buying a policy with multiple cars on the same insurance policy can reduce rates for all insured vehicles.
- 55 and Retired – Seniors can get lower premium rates.
- Telematics Data – Insureds who allow driving data submission to track vehicle usage by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates as long as the data is positive.
- Pay Now and Pay Less – By making one initial payment instead of making monthly payments you may have a lower total premium amount.
- Discounts for Responsible Drivers – Safe drivers can save as much as half off their rates than their less cautious counterparts.
- Defensive Driver – Taking part in a class that teaches defensive driving techniques could cut 5% off your bill and also improve your driving technique.
One last thing about discounts, most of the big mark downs will not be given to the whole policy. Most only apply to the price of certain insurance coverages like medical payments or collision. Despite the fact that it seems like you could get a free insurance policy, insurance companies aren’t that generous. But all discounts will definitely lower your overall premium however.
The diagram below illustrates the difference between Chevy City Express insurance prices with and without discounts applied to the policy premium. The premiums assume a female driver, no violations or accidents, Indiana state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, homeowner, claim-free, multi-car, and safe-driver discounts applied.
Some companies that may include these benefits are:
If you need inexpensive Indianapolis car insurance quotes, ask all the companies how you can save money. Depending on the company, some discounts may not apply in your state. To choose companies who offer cheap Chevy City Express insurance quotes in Indiana, click this link.
Local Indianapolis auto insurance agents and auto insurance
Certain consumers would rather buy from a licensed agent and doing that can be a smart decision Most agents are trained to spot inefficiencies and help file insurance claims. The biggest benefit of comparing auto insurance online is the fact that you can find the best rates but still work with a licensed agent.
To help locate an agent, after submitting this short form, your information is transmitted to companies in Indianapolis that can give you free Indianapolis car insurance quotes for your auto insurance coverage. It simplifies rate comparisons since you won’t have to leave your house because prices are sent immediately to your email address. In the event you want to get a comparison quote from a particular provider, you can always navigate to their website and fill out their quote form.
Choosing the best company is decision based upon more than just a cheap price quote. Get answers to these questions too.
- Are they in the agency full-time?
- How much training do they have in personal risk management?
- Do they assist clients in filing claims?
- Did they already check your driving record and credit reports?
- Do they reduce claim amounts on high mileage vehicles?
If you want a local insurance agency, it’s helpful to know the types of insurance agents and how they differ in how they quote coverages. Auto insurance agents in Indianapolis can be classified as either independent or exclusive depending on the company they work for. Both types of agents can do a good job, but it’s important to know how they are different since it could factor into the kind of agent you use.
Exclusive Auto Insurance Agents
These agents generally can only insure with one company and some examples include American Family, State Farm, and AAA. These agents are unable to compare other company’s rates so always compare other rates. These agents are usually quite knowledgeable on sales techniques which helps them compete with independent agents. Consumers sometimes purchase coverage from exclusives partially due to the prominence of the brand rather than having low rates.
Shown below are exclusive insurance agencies in Indianapolis that are able to give price quote information.
- Allstate Insurance: Scott Verbarg
6120 E Thompson Rd Ste B – Indianapolis, IN 46237 – (317) 802-1550 – View Map - Keith Eberg – State Farm Insurance Agent
7550 S Meridian St d – Indianapolis, IN 46217 – (317) 887-1400 – View Map - Adam Krockenberger – State Farm Insurance Agent
5685 Lafayette Rd #700 – Indianapolis, IN 46254 – (317) 387-9182 – View Map
Independent Auto Insurance Agencies
Agents in the independent channel often have many company appointments so they can quote policies through lots of different companies and help determine which has the cheapest rates. If they find a cheaper price, your policy is moved internally and you don’t have to switch agencies. When comparing auto insurance rates, we recommend you get some free quotes from several independent agencies so that you have a good selection of quotes to compare. Many can place coverage with companies you’ve never heard of which can be an advantage.
Below are independent insurance agencies in Indianapolis that can give you price quote information.
- Burns Insurance Agency – Commercial, Personal and Transportation Insurance Specialists
1433 N Meridian St – Indianapolis, IN 46202 – (317) 377-1100 – View Map - Indiana Auto Insurance Group
201 N Illinois St – Indianapolis, IN 46204 – (317) 641-4572 – View Map - Dalessandro Agency Inc – Titan Insurance
4918 S Emerson Ave – Indianapolis, IN 46203 – (317) 780-2500 – View Map
Upon receiving good feedback to your questions and a low price estimate, you’ve probably found an insurance agency that is reputable and can adequately provide auto insurance. It’s important to know that policyholders can cancel your coverage any time you want so never assume you’re contractually obligated to your new company indefinitely.
Persistence is the key to cheaper rates
Consumers change insurance companies for many reasons like delays in responding to claim requests, delays in paying claims, questionable increases in premium or policy non-renewal. Regardless of your reason for switching companies, switching companies can be easy and end up saving you some money.
You just read some good ideas how you can compare Chevy City Express insurance rates in Indianapolis. It’s most important to understand that the more companies you get car insurance rates for, the more likely it is that you will get a better rate. Consumers could even find that the best price on auto insurance is with some of the lesser-known companies.
Cheaper auto insurance in Indianapolis is possible both online as well as from insurance agents, so you need to shop Indianapolis car insurance with both in order to have the best price selection to choose from. Some insurance providers may not provide the ability to get quotes online and many times these smaller companies prefer to sell through independent agents.
Even more information is located in the articles below:
- Safe Vehicles for Teens (iihs.org)
- Who Has Affordable Indianapolis Auto Insurance for Electric Cars? (FAQ)
- Who Has Cheap Indianapolis Auto Insurance Quotes for Hybrid Vehicles? (FAQ)
- Who Has the Cheapest Auto Insurance for Unemployed Drivers in Indianapolis? (FAQ)
- What Car Insurance is Cheapest for a Nissan Sentra in Indianapolis? (FAQ)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Car Insurance: When not to Skimp (BankRate.com)
- All About Airbag Safety (State Farm)