Cheap Auto Insurance for Drivers Over Age 70 in Indiana

The make and model of vehicle on the policy is probably the biggest factor that determines if you can find cheap car insurance for drivers over age 70 in Indiana. Vehicles with high performance, poor crash test ratings, or an increased likelihood of liability claims will cost quite a bit more to insure than safer models.

The lists below showcases car insurance rates for a handful of the more afforable vehicles to insure.

Cost estimates assume married male driver age 70, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Information does not factor in your specific Indiana location which can increase or decrease prices substantially.

Price data assumes married male driver age 70, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Rates do not factor in specific garaging location which can increase or decrease rates significantly.

Above prices assume married male driver age 70, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Information does not factor in specific location information which can decrease or increase prices considerably.

When shopping for cheaper insurance for older drivers, one of the many things that is used by insurance companies to determine the cost of insurance is your address in Indiana. Cities that have higher claim levels or more people like Gary, Merrillville, and Indianapolis tend to pay higher rates, whereas areas with less congestion enjoy lower insurance rates.

The information below sorts the highest-priced places in Indiana for drivers over age 70 to buy car insurance in.

Rates are estimated as the specific area where the vehicle is garaged can increase or decrease insurance rates greatly.

Selecting a highly-rated auto insurance provider can be a challenge considering how many choices you have in Indiana. The ranking information in the next section may help you analyze which car insurance companies you want to consider when trying to find the cheapest insurance for drivers over age 70. These rankings are for large insurance companies, so companies that have a smaller presence are not factored into these rankings.

Safe drivers pay less for auto insurance

The easiest method to enjoy cheap car insurance for drivers over age 70 in Indiana is to drive attentively and not get tickets or have accidents. The diagram below shows how violations and accidents can influence car insurance rates for each age group. The price estimates are based on a single male driver, comp and collision included, $100 deductibles, and no policy discounts are applied.

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The data in the chart shows the average cost of an auto insurance policy in Indiana per year with a clean driving record and no accidents is $1,797. Add in one speeding ticket and the average cost surges to $2,020, an increase of $223 each year. Then throw in two accidents along with the one speeding ticket and the annual cost of auto insurance for drivers over age 70 goes up to an average of $3,848. That’s an increase of $2,051, or $171 per month, just for being a less-than-perfect driver!

How to get cheap car insurance for drivers over age 70 in Indiana

It’s not impossible to find cheaper rates, and here are many thrifty ideas that can help you get cheaper coverage.

• Staying accident-free helps keep rates low
• Tickets and violations raise rates
• Do not pay for full coverage on older vehicles
• Higher credit ratings may save you money
• Safer vehicles generally have cheaper insurance rates
• Increase the comprehensive and collision deductibles on your policy
• Comparison shop at least once a year

The last tip is highly necessary, as we noted in the article above. Prices charged by auto insurers in Indiana change constantly, so don’t hesitate to switch carriers if a more affordable rate is found.

Brand loyalty is not necessarily bad, but it isn’t a good idea if that faithfulness ends up costing you a lot of money every month. It takes less than five minutes to compare rates and find cheaper auto insurance for drivers over age 70.