Best Cheap Car Insurance Quotes for Handicapped Drivers in Indiana

The make and model of vehicle needing coverage is probably the biggest factor when comparing the best cheap car insurance for handicapped drivers in Indiana. Vehicles with lots of speed or power, poor crash test ratings, or an increased likelihood of liability claims will cost quite a bit more to insure than safer models.

The table below presents auto insurance rates for a handful of the more afforable automobiles to insure in Indiana.

Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Rate quotes do not factor in specific location information which can alter price quotes considerably.

By looking at the data, you can see that cars like the Ford Escape, Honda Accord, and Ford Edge are a few of the most affordable vehicles to insure for drivers with handicaps.

One of the many components that auto insurance companies take into consideration when calculating the cost of insurance is where your home is located in Indiana. Areas with more people or even just a higher incidence of claims like Gary, Portage, and Lawrence will most likely pay more, whereas areas with lower crime rates and fewer weather claims have the enjoyment of a little cheaper coverage.

The illustration below illustrates the more expensive cities in Indiana for handicapped drivers to buy auto insurance in.

Annual rates are approximated as vehicle location can lower or raise coverage prices significantly.

The illustration below highlights how deductible selection can affect annual premium costs when searching for cheap insurance for handicapped drivers. The premiums are based on a married male driver, full coverage, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2665,2417,2143,1883],[‘Age 30’, 1405,1273,1123,977],[‘Age 40’, 1341,1223,1083,949],[‘Age 50’, 1229,1121,995,875],[‘Age 60’, 1209,1101,979,861],[‘Age 70’, 1375,1257,1125,1001]]);var options = {title: ‘Impact of Deductible Levels on Auto Insurance Cost in Indiana’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The chart above illustrates that a 30-year-old driver could lower their policy premium by $258 a year by switching from a $100 deductible up to a $500 deductible, or save $392 by using a $1,000 deductible. Young drivers, such as the 20-year-old example, could possibly save $782 or even more just by using higher deductibles. When raising deductibles, it will be important to have spare funds to offset the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Rate increases following a ticket or accident

The easiest way to maintain affordable car insurance premiums for drivers with handicaps is to be a careful driver and avoid accidents and keep your driving record clean. The chart below highlights how speeding tickets and at-fault fender-benders can affect auto insurance rates for different age groups. The price estimates are based on a married female driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 1777,1977,2553],[‘Age 30’, 1245,1449,2023],[‘Age 40’, 1233,1437,2005],[‘Age 50’, 1085,1285,1855],[‘Age 60’, 1035,1237,1803],[‘Age 70’, 1105,1307,1879]]);var options = {title: ‘Impact of Violations and Accidents on Indiana Auto Insurance Rates’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Indiana’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data charted above shows the average cost of an auto insurance policy in Indiana per year with a clean driving record and no accidents is $1,247. Factor in one speeding ticket and the average cost swells to $1,449, an increase of $202 each year. Then throw in one accident along with the one speeding ticket and the 12-month cost of car insurance for handicapped drivers jumps again to an average of $2,020. That’s an increase of $773, or $64 per month, just for being a careless driver!