Gary, IN Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Gary, IN, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
How to Save on Car Insurance in Gary, IN?
The average cost of auto insurance in Gary, IN, is $1,130. This is lower than the average cost of auto insurance in places such as Calumet, East Chicago, New Chicago, and Hobart. Residents of Gary should compare multiple auto insurance quotes and reviews before deciding on the one that best suits their needs. Here are some ways to increase savings in Gary.
Hybrids and Electric Vehicles:
Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered environmentally friendly thanks to lower emission rates. For such cars, Farmers offers car owners discounts of up to 5% in some states.
Paying a higher deductible will also help car owners lower the cost of insurance. For instance, Gary’s yearly premium on a low deductible($500) is $1,441. It decreases to $1,217 when the deductible is higher ($1,000).
Having an “excellent” or “good” credit score will help car owners save on auto insurance in Gary, IN. In contrast, an “average” or “poor” auto insurance can lead to a massive increase. The cost of auto insurance can rise up if the credit score if the driver is poor.
Equipping one’s vehicle with an anti-theft device can go a long way in helping car owners lower auto insurance costs. A passive disabling device fetches the most amount of savings.
Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEICO provides a 26% discount to drivers with a spotless driving record for five years. On the other hand, State Farm offers discounts when a driver goes three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.
The cost of auto insurance in Gary, IN, post-DUI, increases to $1,748. However, this also depends on the driver’s age. Moreover, the cost of auto insurance post-DUI for teenagers is much higher. Safe and responsible drivers will find it easier to lower the cost of auto insurance in Gary. Other violations that can have a long-term impact on auto insurance in Gary include driving with an expired license and running a red light.
In Gary, IN, Car owners can save more by insuring their vehicles with the same auto insurance company. Insurers offer discounts on multi-car insurance policies. Bundling is another way of increasing your savings. Car owners can insure their life, auto, and home insurance with the same insurer to get added benefits.
The cost of insuring two cars under a multi-car insurance policy, in Gary, IN, is $1,921, while it would cost $3,842 for four vehicles. The savings on multi-car insurance in Gary also depends on the make and model of the car.
Factors that can influence the cost of car insurance in Gary, IN are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Gary, IN Auto Insurance Rates
- Gary, IN Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Gary, IN
- Multi Vehicle Insurance Savings in Gary, IN
- How Credit Score Affects Car Insurance Rates in Gary, IN
- How DUI Affects Auto Insurance Premiums in Gary, IN
- Top Auto Insurance Agents Near Gary, IN
- How Driving Violations Affect Auto Insurance Rates in Gary, IN
- Gary, IN Auto Insurance Discounts on Anti Theft Feature
- Gary, IN Auto Insurance Company Reviews
Gary, IN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Gary, IN with that of other cities in and around Gary.
|Gary||Calumet||East Chicago||New Chicago||North||Hobart|
|Average Insurance Rates||$1,130||$1,471||$1,250||$1,472||$1,173||$1,172|
Gary, IN Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Gary, IN based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
|Location||Low Deductible ($500)||High Deductible ($1000)|
Gary, IN Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Gary, IN usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
|Age of Driver||Insurance Cost|
Gary, IN Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Gary, IN can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
|Number of Cars||Auto Insurance Cost||Total Savings|
Savings on 2 Vehicles bundle:$339
Savings on 3 Vehicles bundle:$509
Savings on 4 Vehicles bundle:$678
Gary, IN Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Gary, IN.
|Location||Average Insurance Cost||Post DUI Insurance Rate|
Gary, IN Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
|Credit Score||Insurance Cost|
Gary, IN Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
|Agent Name||Company||Agent Address||Contact Details|
|Pam Ridings||State Farm||216 Main St, Hobart, 46342-4440||219-942-4512|
|American Trust Ins||Travelers||1315 119TH ST, WHITING, 46394||219-473-5532|
|Rick Greenberg||State Farm||112 E Ridge Rd Ste F, Griffith, 46319-1167||219-513-8380|
|Brett Huber||State Farm||5474 Us Highway 6, Portage, 46368-8220||219-763-4236|
|Highland Associates Inc||Liberty Mutual Independent||9805 PRAIRIE AVE, HIGHLAND, 46322||(219) 836-6000|
|American Trust & Savings Bank||Travelers||1315 119Th St, Whiting, 46394||None|
|Rothschild Agency Inc||Liberty Mutual Independent||8979 BROADWAY, MERRIVILLE, 46410||219-769-6616|
|Kyle Dempsey||State Farm||6934 Indianapolis Blvd, Hammond, 46324-2206||219-845-1571|
|Regnier Insurance Services||None||2705 Highway Ave, Highland, 46322||None|
Gary, IN Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
|Driving Violation||Cost Increase||Total Insurance Cost|
|Driving Without Headlights||+$50||$1,180|
|Driver's Failure In Showing Documents||+$110||$1,240|
|Driving With An Expired Registration||+$116||$1,246|
|Driving At A Considerably Slow Pace||+$245||$1,375|
|Using A Cellphone While Driving||+$259||$1,389|
|Running A Red Light||+$263||$1,393|
|Driving A Vehicle Without The Required Permission||+$351||$1,481|
|Driving With An Expired/Suspended License||+$762||$1,892|
Gary, IN Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
|Anti Theft Feature||Insurance Cost|
|Active Disabling Device||$1,085|
|Passive Disabling Device||$1,051|
Latest Auto Insurance Reviews in Gary, IN | Back to Top
Geico offers the same type of premieums and services as any other car insurance, but at a significantly more affordable rate. We couldn't be happier with Geico.
Customers should note that the company offers few discounts compared to its competitors,insurance types (auto, home, and life) and a range of other policies
I believe I will switch over to a different car insurance once I get my own car due to my being on my own for the first time and my rates will be lower.