Save on Dodge Caliber Insurance in Fort Wayne

Want to learn how to find more competitive Dodge Caliber insurance in Fort Wayne? No one in their right mind gets a kick out of paying for auto insurance, especially when they are aware that they are paying too much.

It’s safe to assume that car insurance companies don’t want you shop around. Insureds who get price comparisons are inclined to switch to a new company because the odds are good of finding a lower-priced company. A recent study showed that people who shopped around saved over $72 a month compared to people who never compared prices.

If finding the cheapest price for car insurance in Fort Wayne is your target objective, then learning about the best way to quote and compare car insurance can save money and time.

With consumers having so many choices for buying cheaper insurance for a Dodge Caliber in Fort Wayne, it is hard for the average consumer to choose the best insurance company.

Finding and buying more affordable policy in Fort Wayne is not as hard as you think. Basically, every vehicle owner who needs lower cost car insurance stands a good chance to be able to find lower rates. But Indiana consumers must comprehend the way insurance companies calculate their prices and take advantage of how the system works.

Cheapest Dodge insurance prices in Fort Wayne

The auto insurance companies shown below are our best choices to provide quotes in Fort Wayne, IN. To find the cheapest auto insurance in IN, we suggest you visit two to three different companies in order to get a fair rate comparison.

Insurance statistics and figures

The data table displayed next showcases estimates of coverage costs for Dodge Caliber models. Learning more about how rate quotes are figured can aid in making smart choices when comparing insurance quotes.

Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Rate quotes do not factor in vehicle garaging location which can alter price quotes greatly.

Rate comparison for different deductibles

A question often asked by Fort Wayne drivers is how high should the physical damage coverage deductibles be. The rates shown below can help show the premium difference when you choose different physical damage deductibles. The first rate comparisons uses a $250 comprehensive and collision deductible and the second pricing table uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Premium costs do not factor in specific zip code location which can raise or lower coverage rates greatly.

Based on the figures above, using a $250 deductible will cost you approximately $19 more each month or $228 each year than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you go at least 39 months between claims, you would probably come out ahead if you choose the higher deductible.

Age, gender, and Dodge Caliber insurance

The chart below illustrates the difference between Dodge Caliber annual premium costs for male and female drivers. Data assumes no violations or claims, full coverage, $100 deductibles, single status, and no additional discounts are factored in.

Does it make sense to buy full coverage?

The illustration below compares Dodge Caliber insurance rates with full coverage compared to only the Indiana minimum liability coverage. The rate quotes are based on no violations or accidents, $250 deductibles, marital status is single, and no additional discounts are factored in.

Deciding between full coverage and liability only

There is no exact rule to exclude comp and collision coverage, but there is a broad guideline. If the yearly cost of full coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.

For example, let’s pretend your Dodge Caliber settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $2,000 after paying your policy deductible. If you are paying over $200 a year for your policy with full coverage, then it’s probably a good time to buy liability coverage only.

There are a few cases where only buying liability is not advised. If you still owe money on your vehicle, you have to carry full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should keep full coverage on your policy.

Discounts mean cheaper rates for Dodge Caliber insurance in Fort Wayne

Companies do not advertise every policy discount in an easy-to-find place, so here is a list both well-publicized and the more hidden credits available to you. If they aren’t giving you every credit you deserve, you could be getting lower rates.

• Multiple Policy Discount – If you have multiple policies and insure them with the same company you could save 10% to 20% off each policy.
• Cautious Drivers – Safe drivers can get discounts for up to 45% lower rates as compared to drivers with claims.
• Theft Prevention System – Cars, trucks, and SUVs with anti-theft systems are stolen with less frequency and will qualify for a discount on a Fort Wayne car insurance quote.
• Discount for Low Mileage – Low mileage vehicles can qualify you for lower prices on the low mileage vehicles.
• Early Payment Discounts – By making one initial payment rather than spreading payments over time you could save 5% or more.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. Some only reduce specific coverage prices like liability, collision or medical payments. So even though you would think all those discounts means the company will pay you, you aren’t that lucky.

The illustration below compares Dodge Caliber car insurance rates with and without some available policy discounts. Data assumes a male driver, a clean driving record, no at-fault accidents, Indiana state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, claim-free, safe-driver, multi-car, and homeowner discounts applied.

A partial list of companies who may offer these benefits include:

• 21st Century
• Progressive
• State Farm
• Nationwide
• Esurance
• The Hartford

Before you buy a policy, ask all the companies what discounts are available to you. Depending on the company, some discounts may not be offered in every state. To find insurance companies who offer free Dodge Caliber insurance quotes in Indiana, click this link.

How to know if you need help

When it comes to buying coverage online or from an agent for your vehicles, there really is no one size fits all plan. You are unique.

These are some specific questions may help highlight if your situation could use an agent’s help.

• Are my friends covered when driving my Dodge Caliber?
• Are split liability limits better than a combined single limit?
• What is UM/UIM insurance?
• Should I buy only the required Indiana minimum liability coverage?
• Do I need an umbrella policy?
• When can my company non-renew my policy?
• Am I covered when using my vehicle for business?
• Why is insurance for a teen driver so high in Fort Wayne?
• How does medical payments coverage work?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Do I need a local insurance agent?

A lot of people would rather buy from a licensed agent and that is a personal choice. An additional benefit of comparing insurance prices online is that you can obtain cheap rate quotes and still choose a local agent. And providing support for local insurance agencies is important especially in Fort Wayne.

To make it easy to find an agent, after completing this form (opens in new window), your insurance data is emailed to companies in Fort Wayne that can give you free Fort Wayne car insurance quotes and help you find cheaper coverage. You never need to find an agent on your own since price quotes are sent to the email address you provide. You’ll get the best rates AND an agent nearby. If for some reason you want to compare rates from a specific insurance company, you just need to go to their quote page and complete a quote there.

If you are searching for a local insurance agency, it’s helpful to know the types of agencies and how they differ in how they quote coverages. Auto insurance agents in Fort Wayne can be categorized as either exclusive agents or independent agents.

Independent Auto Insurance Agents (or Brokers)

Independent agents are not restricted to one company and that allows them to write policies amongst many companies and potentially find a lower price. If prices rise, your agent can switch companies and the insured can keep the same agent.

When comparison shopping, it’s recommended you include rate quotes from a couple of independent agencies to have the most options to choose from.

Below is a list of independent agents in Fort Wayne who may be able to give you comparison quotes.

More insurance agents

Exclusive Agencies

Exclusive agencies can only write with one company and some examples include State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot provide prices from multiple companies so you need to shop around if the rates are high. They are usually well trained on their products and sales techniques which helps them compete with independent agents.

The following are exclusive agents in Fort Wayne that are able to give comparison quotes.

More insurance agents

Picking the best insurance agency requires you to look at more than just the bottom line cost. You should also get answers to these questions.

• Who are their largest clients?
• If your car is totaled, how to they determine the replacement cost?
• Can glass repairs be made at your home?
• How long have they been in business?
• Does the company have a solid financial rating?
• If they are an independent agency in Fort Wayne, which companies do they recommend?
• Is the agency covered by Errors and Omissions coverage?

Auto insurance coverage considerations

Having a good grasp of your policy can help you determine which coverages you need and the correct deductibles and limits. Auto insurance terms can be confusing and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required (which is 25/50/10), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Usually these coverages are identical to your policy’s liability coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like EMT expenses, prosthetic devices, X-ray expenses, doctor visits and chiropractic care. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Coverage for collisions

Collision insurance covers damage to your Caliber resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like damaging your car on a curb, scraping a guard rail, sustaining damage from a pot hole, colliding with another moving vehicle and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible on your Caliber to get cheaper collision coverage.

Auto liability insurance

Liability insurance can cover damage that occurs to a person or their property in an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/10 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $10,000 of coverage for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims like legal defense fees, medical expenses and court costs. How much coverage you buy is a personal decision, but consider buying higher limits if possible. Indiana state law requires minimum liability limits of 25/50/10 but drivers should carry more liability than the minimum.

The chart below demonstrates why buying low liability limits may not be adequate.

Comprehensive auto insurance

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as hitting a bird, a broken windshield, vandalism, a tree branch falling on your vehicle and rock chips in glass. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Do the work, save more money

We’ve covered many ideas to compare Dodge Caliber insurance rates in Fort Wayne. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding inexpensive Fort Wayne car insurance quotes. You may even discover the best price on car insurance is with a small mutual company.

Lower-priced Dodge Caliber insurance in Fort Wayne is available both online and from local agencies, and you should compare rates from both so you have a total pricing picture. There are still a few companies who may not provide internet price quotes and most of the time these regional carriers prefer to sell through local independent agencies.

When trying to cut insurance costs, never reduce coverage to reduce premium. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits only to discover later they didn’t purchase enough coverage. Your focus should be to get the best coverage possible at the best possible price, but do not sacrifice coverage to save money.

How to save on Dodge Caliber insurance in Fort Wayne

Truthfully, the best way to get the cheapest Dodge Caliber insurance is to annually compare prices from insurers who provide auto insurance in Fort Wayne.

Step 1: Take a few minutes and learn about auto insurance and the things you can control to keep rates low. Many factors that cause rate increases such as at-fault accidents, speeding tickets, and an unacceptable credit history can be amended by improving your driving habits or financial responsibility.

Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from a single company like GEICO or State Farm, while independent agents can provide prices from multiple companies. View companies

Step 3: Compare the new rates to your existing policy to see if you can save by switching companies. If you find a lower rate quote, make sure coverage does not lapse between policies.

Step 4: Give proper notification to your current agent or company of your intent to cancel your current car insurance policy and submit a down payment along with a signed application to the new insurer. Don’t forget to put the new certificate of insurance somewhere easily accessible.

The most important part of this process is that you use the same amount of coverage on every price quote and to quote with all possible companies. This ensures a level playing field and many rates to choose from.

Additional detailed information is available in these articles:

• Collision Insurance Coverage (Nationwide)
• How Much are Auto Insurance Quotes for Drivers Under 25 in Fort Wayne? (FAQ)
• Who Has the Cheapest Auto Insurance Rates for a Ford Explorer in Fort Wayne? (FAQ)
• What Car Insurance is Cheapest for a Honda CR-V in Fort Wayne? (FAQ)
• Auto Theft Statistics (Insurance Information Institute)
• State Car Insurance Guides (GEICO)
• Vehicle Insurance (Wikipedia)