Cheap Auto Insurance Quotes for Welfare Recipients in Indiana

Finding dependable, reasonably-priced car insurance is tough enough, and figuring out which company offers the best auto insurance rates for welfare recipients will take even more rate comparisons. Each auto insurance company uses their own formula for setting prices, so let’s take a look at the most affordable auto insurance companies 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 $614 a year. Cincinnati Insurance, USAA, Erie, and The Hartford would also make the list of some of the more affordable Indiana car insurance companies.

As shown in the table above, if you currently have coverage with USAA and switched to Travelers, you might realize savings of in the neighborhood of $53. Insureds with Erie may save as much as $98 a year, and The Hartford policyholders might lower prices by $249 a year.

To find cheap auto insurance for welfare recipients in Indiana for your vehicle, click here to begin a quote or click through to the companies below.

Understand that those rates are averages across all drivers and vehicles and are not factoring in a price decrease for welfare recipients. So the company that fits your situation best may not even be included in the list above. That points out the importance of why you need to compare as many prices as possible using your own personalized driver profile and vehicle information.

When shopping for the cheapest auto insurance for drivers on welfare, one of the many factors that aid in calculating the policy price is where your home is located. Cities with larger populations or higher claims like Gary, Merrillville, and Indianapolis tend to have more expensive auto insurance rates, whereas areas with less traffic congestion and claims receive better rates.

The following table illustrates the most expensive areas in Indiana for welfare recipients in which to buy car insurance.

Premium costs are comparative as the specific Indiana residence address can modify auto insurance rates considerably.

Discounts on Indiana car insurance rates

Car insurance companies that offer cheap auto insurance for welfare recipients in Indiana may additionally offer discounts that may potentially lower prices by as much as 35% if you qualify. Companies and a selection of discounts are outlined below.

The chart below visualizes the comparison of yearly insurance costs with and without discounts. The price estimates are based on a male driver, no accidents, no driving violations, Indiana state minimum liability limits, full physical damage coverage, and $250 deductibles.

The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with multiple policy, passive restraint, defensive driving course, safe-driver, homeowner, and multiple vehicle discounts applied. When discounts are factored in, the average savings per year on auto insurance for welfare recipients is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 3443,2475],[‘Age 30’, 1787,1299],[‘Age 40’, 1767,1281],[‘Age 50’, 1607,1167],[‘Age 60’, 1555,1127],[‘Age 70’, 1895,1367]]);var options = {title: ‘Comparison of Insurance Rates for Welfare Recipients’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

How careless driving impacts auto insurance rates

The ideal way to maintain the cheapest auto insurance prices for drivers on welfare is to be a cautious driver and avoid accidents and keep your driving record clean. The illustration below demonstrates how citations and accidents drive up auto insurance rates for each different age group. The price estimates are based on a single male driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 3071,3645,5889],[‘Age 30’, 1603,2183,4425],[‘Age 40’, 1575,2153,4395],[‘Age 50’, 1437,2013,4257],[‘Age 60’, 1391,1971,4213],[‘Age 70’, 1713,2289,4535]]);var options = {title: ‘Impact of Citations and Accidents on Indiana 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);}

In the example above, the average cost of car insurance in Indiana per year with no accidents and a clean driving record is $1,798. Add in two speeding tickets and the average cost jumps to $2,376, an increase of $577 each year. Now add two accidents along with the two speeding tickets and the annual cost of auto insurance for welfare recipients jumps again to an average of $4,619. That’s an increase of $2,821, or $235 per month, just for not being a responsible driver!

Allstate, Geico, State Farm, or Progressive: Which is best?

If you are looking for the best car insurance, the four most popular companies are Allstate, Geico, State Farm, and Progressive. All four offer physical damage and liability coverage, but each has different options that may influence your choice. The following table rates some of the different features that policyholders can buy.