Cheap Car Insurance for Government Employees in Indiana

Wouldn’t it be awesome if we could magically tell you the one company that has the cheapest rate quotes for government employees? It’s not that simple, unfortunately, as there are a whole bunch of unknowns such as your credit rating, whether you want full coverage, and if your driving record is clean, that all influence how much you pay for auto insurance. The content below will cover the best ways to avoid high prices and will hopefully give the reader some help in finding cheaper rates.

Finding dependable, cost effective car insurance is difficult, and determining which company offers the most affordable auto insurance rates for government employees will require even more rate comparisons.

Every auto insurer has a proprietary formula to set policy rates, so let’s begin by taking a look at the auto insurance companies that tend to be cheaper in Indiana.

Best Insurance Companies in Indiana

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Travelers may offer some of the best car insurance rates in Indiana at around $596 a year. Cincinnati Insurance, USAA, Erie, and Western Reserve also make the cut as some of the lowest-priced Indiana insurance companies.

In the above rates, if you have coverage with Cincinnati Insurance and switched to Travelers, you could see an annual premium reduction of about $62. Drivers with USAA may save as much as $91 a year, and Erie insureds might lower prices by $130 a year.

If you would like to find cheap auto insurance for government employees in Indiana, click here to start your custom quote or visit any of the companies below.

Understand that those policy rates are averaged across all types of insureds and vehicles and and are not figured with a price discount for government employees. So the auto insurance company that fits your needs best may not even be featured in the above list. That helps illustrate why you need to get rate quotes using your own driver and vehicle profiles.

The vehicle model you are buying coverage for is one of the largest considerations when shopping around for affordable coverage for government employees. Vehicles with reasonable performance levels, a great safety record, or a positive history of liability claims will cost significantly less to insure than higher performance models. The table below shows insurance rates for some of the cheaper automobiles to buy insurance for.

Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Price information does not factor in vehicle location which can revise premium rates significantly.

Based upon these rates, models like the Chevrolet Traverse, Honda CR-V, Toyota Prius, Ford Escape, and Chevrolet Impala are most likely going to be some of the cheaper vehicles to insure for state and federal workers.

When shopping for cheaper car insurance for state and federal workers, one of the many components that is used by car insurance companies to determine the amount you pay each year for auto insurance is your zip code in Indiana. Cities with larger populations or higher claims like Gary, Portage, and Merrillville will most likely have higher rates, whereas cities that are not as densely populated profit from lower rates.

The next table illustrates the highest-priced areas in Indiana for government employees to purchase auto insurance in.

Information shown are estimated as specific Indiana garaging address can lower or raise premium rates noticeably.

The chart below shows how different deductible levels can change annual premium costs when quoting cheap insurance for government employees. Data assumes a married female driver, comp and collision included, and no discounts are factored in.

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A 40-year-old driver could pocket $232 a year by increasing from a $100 deductible to a $500 deductible, or save $348 by using a $1,000 deductible. Young drivers, such as the 20-year-old example, can save $566 or even more by using higher deductibles when buying full coverage. When insureds make the decision to increase the deductibles on their policy, it will now be necessary to have additional funds squirreled away to be able to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

Allstate, State Farm, Progressive, and Geico: Who is best?

When researching car insurance for state and federal workers in Indiana, the top insurers to get price quotes from are Allstate, State Farm, Progressive, and Geico. They all offer your standard coverages, but each one has different features and discounts that you can choose from. The following table shows ratings for price and service, as well as some optional coverages that are available for buyers.

Cheap insurance quotes for state and federal workers

There are quite a few ways to compare auto insurance quotes in Indiana, but the most popular methods are through an exclusive insurance agency like State Farm or Allstate, an independent or non-exclusive agent, or buying direct from a company like Geico or Progressive. Each way is similar, but they differ slightly in how they provide rate quotes.

Independent agencies have contracts with many companies and can compare coverage rates with all of them. Agents of this type are able to give you a larger rate selection, which can give you a better chance of finding cheaper coverage. If a cheaper price is found, your policy is moved internally and that require little work on your part.

An agent who is captive is limited to one insurance company, two popular examples being State Farm and Auto-Owners agents. These guys and gals cannot shop your coverage around, so you need to shop around if the rates are high.

Buying direct means you bypass a local insurance agent and instead buy from a direct company like Progressive. Shopping for auto insurance direct may be preferred by drivers who have an average risk profile and understand what is covered and what is not.

So which of those three methods works best to find cheap auto insurance for government employees in Indiana? We wish we could say buying direct results in the cheapest rates because you bypass the middleman, but unfortunately, it’s not that simple. A good argument could also be made that going through an independent agent is the best way to go since they can provide multiple quotes, but that is not necessarily true either. In many circumstances, the exclusive agents have very competitive rates that are the lowest in Indiana.

Because there are so many factors that make up auto insurance rates, the best method to ensure you are not overpaying is to do a thorough rate comparison. The best approach is to get quotes from all three to have enough rates to compare. For a list of companies offering online discounts in Indiana, click here to view.