It’s an obvious assumption that auto insurance companies want to keep you from comparing prices. Insureds who get price quotes annually are likely to switch auto insurance companies because they stand a good chance of finding a more affordable policy premium. A study discovered that people who compared rates regularly saved on average $860 a year as compared to drivers who never compared other company’s rates.
If finding the lowest price on insurance is the reason you’re reading this, then understanding how to get free comparison quotes and analyze coverages can make the process less intimidating.
The most effective way to find discount Chevy City Express insurance is to regularly compare quotes from providers who sell auto insurance in Fort Wayne.
First, it will benefit you to learn about auto insurance and the modifications you can make to keep rates in check. Many factors that drive up the price such as getting speeding tickets and an unfavorable credit rating can be controlled by paying attention to minor details.
Second, compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from one company like GEICO and Allstate, while independent agents can provide rate quotes from multiple insurance companies. View a list of agents
Third, compare the new quotes to your current policy to see if a cheaper rate is available in Fort Wayne. If you find a lower rate quote and make a switch, ensure coverage does not lapse between policies.
Fourth, give notification to your agent or company to cancel your existing policy and submit a completed policy application and payment to the new company. Be sure to keep your new certificate verifying coverage with your registration paperwork.
An important note is that you use identical limits and deductibles on every quote and and to get price estimates from as many companies as you can. Doing this provides a fair rate comparison and the most accurate and complete price analysis.
If you’re already insured or are looking for a new policy, you can follow these tips to lower your rates without reducing protection. Choosing the best rates in Fort Wayne is quite easy. Smart buyers just have to use the quickest way to compare different rates from multiple carriers.
Lowering your Chevy City Express car insurance rates is actually quite simple. The only requirement is to invest a little time comparing price quotes from some recommended companies.
Comparing rates online is fast and free, and it makes it a waste of time to call or drive to each insurance agency near you. Doing it all online has reduced the need for local agents unless you have a need for the trained advice that only a licensed agent can provide. It is possible to compare the best prices online but still have the advice of a local agent.
The companies shown below are ready to provide free rate quotes in Indiana. If multiple companies are listed, we recommend you visit two to three different companies in order to get a fair rate comparison.
Rates and detailed analysis
The coverage table below outlines estimates of insurance coverage prices for Chevy City Express models. Being able to understand how policy rates are determined can help drivers make smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| City Express Cargo 2500 2WD | $92 | $160 | $270 | $16 | $80 | $618 | $52 |
| City Express Cargo 1500 2WD | $92 | $196 | $270 | $16 | $80 | $654 | $55 |
| City Express Cargo 3500 2WD | $104 | $196 | $270 | $16 | $80 | $666 | $56 |
| City Express 2500 LT 2WD | $104 | $196 | $270 | $16 | $80 | $666 | $56 |
| City Express 2500 2WD | $104 | $196 | $270 | $16 | $80 | $666 | $56 |
| City Express 2500 LS 2WD | $104 | $196 | $270 | $16 | $80 | $666 | $56 |
| City Express 3500 2WD | $104 | $196 | $270 | $16 | $80 | $666 | $56 |
| City Express Cargo 1500 AWD | $104 | $196 | $270 | $16 | $80 | $666 | $56 |
| City Express 1500 LS 2WD | $104 | $196 | $270 | $16 | $80 | $666 | $56 |
| City Express 1500 LS AWD | $104 | $230 | $270 | $16 | $80 | $700 | $58 |
| City Express 1500 AWD | $104 | $230 | $270 | $16 | $80 | $700 | $58 |
| City Express 1500 LT 2WD | $104 | $230 | $270 | $16 | $80 | $700 | $58 |
| City Express Cargo 1500 Turbo Diesel 2WD | $104 | $230 | $270 | $16 | $80 | $700 | $58 |
| City Express Cargo 2500 Turbo Diesel 2WD | $118 | $230 | $270 | $16 | $80 | $714 | $60 |
| City Express 3500 LT 2WD | $118 | $230 | $270 | $16 | $80 | $714 | $60 |
| City Express 3500 LS 2WD | $118 | $230 | $270 | $16 | $80 | $714 | $60 |
| City Express 3500 2WD | $118 | $230 | $270 | $16 | $80 | $714 | $60 |
| City Express 1500 LT AWD | $118 | $230 | $270 | $16 | $80 | $714 | $60 |
| City Express Cargo 3500 Turbo Diesel 2WD | $118 | $230 | $270 | $16 | $80 | $714 | $60 |
| City Express Cargo 1500 Turbo Diesel AWD | $118 | $230 | $270 | $16 | $80 | $714 | $60 |
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Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Premium costs do not factor in Fort Wayne location which can change prices greatly.
Insurance does more than just protect your car
Despite the fact that insurance is not cheap in Fort Wayne, insuring your vehicle is not optional due to several reasons.
First, most states have minimum liability requirements which means it is punishable by state law to not carry a specific level of liability protection in order to be legal. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you have a loan on your vehicle, most banks will make it a condition of the loan that you carry insurance to guarantee loan repayment. If you do not keep the policy in force, the bank may insure your Chevy at a significantly higher premium and require you to fork over a much higher amount than you were paying before.
Third, insurance safeguards not only your Chevy City Express but also your assets. It will also reimburse you for medical expenses for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.
The benefits of carrying adequate insurance definitely exceed the cost, especially with large liability claims. As of last year, the average driver in Indiana is currently overpaying as much as $855 a year so shop around every year to save money.
How Your City Express Insurance Prices are Determined
Many things are used when quoting car insurance. A few of the factors are predictable such as traffic violations, but some are not as apparent like your continuous coverage and annual miles driven.
A policy lapse is a bad thing – Driving your car without having proper coverage is not a good idea and car insurance companies will penalize you for letting your coverage lapse. Not only will you pay more, failure to provide proof of insurance might get you fines and jail time. You may need to provide proof of insurance in the form of an SR-22 filing with the Indiana motor vehicle department.
Do you really need to file those policy claims? – Insurance companies in Indiana award most affordable rates to policyholders who only file infrequent claims. If you frequently file small claims, you can pretty much guarantee higher rates. Your insurance policy is designed for major claims that would cause financial hardship.
Gender and car insurance rates – Over the last 30 years, statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are better drivers. Women and men are in fender benders in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Not only that, but men also get higher numbers of serious violations such as DWI and reckless driving.
The example below compares Chevy City Express insurance rates for male and female drivers. The price estimates are based on no violations or accidents, full physical damage coverage, $250 deductibles, single marital status, and no additional discounts are factored in.
Avoid traffic tickets – Whether or not you get tickets impacts premiums far more than you think. Attentive drivers pay less for auto insurance compared to drivers with tickets. Even one ticket can boost insurance rates substantially. Drivers who get dangerous violations like DUI, reckless driving or excessive speeding might be required by their state to maintain a SR-22 with their state’s licensing department in order to legally drive a vehicle.
The information below shows how traffic citations and at-fault collisions can impact Chevy City Express car insurance costs for each age group. The premiums are based on a single male driver, comp and collision included, $100 deductibles, and no other discounts are factored in.
Cheaper Fort Wayne car insurance rates with discounts
Not too many consumers would say car insurance is affordable, but discounts can save money and there are some available that could drop your premiums quite a bit. Most are applied when you quote, but less common discounts must be specifically requested before being credited.
- Passive Restraints and Air Bags – Factory options such as air bags or automatic seat belts could see savings up to 30%.
- Drivers Ed for Students – It’s a good idea to have your young drivers take driver’s ed class as it will make them better drivers and lower rates.
- Memberships – Affiliation with specific professional or occupational memberships or organizations may earn a discount on your next renewal.
- Save over 55 – If you qualify as a senior citizen, you are able to get better car insurance rates.
- Renewal Discounts – Select car insurance companies give a discount for buying a new policy early. You may see this discount when you get Fort Wayne auto insurance quotes online.
Policy discounts save money, but many deductions do not apply to the entire policy premium. Most only reduce individual premiums such as comp or med pay. Despite the appearance that having all the discounts means you get insurance for free, car insurance companies aren’t that generous.
The illustration below illustrates the comparison of Chevy City Express insurance rates with and without discounts applied to the premium. The data is based on a female driver, no claims or violations, Indiana state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, marriage, claim-free, multi-car, and safe-driver discounts applied.
The best car insurance companies and the discounts they provide are:
- GEICO may include discounts for air bags, military active duty, five-year accident-free, anti-theft, and federal employee.
- Mercury Insurance offers premium reductions for location of vehicle, good student, good driver, accident-free, ease of repair, low natural disaster claims, and multi-car.
- Farmers Insurance may offer discounts for early shopping, good student, multi-car, switch companies, and business and professional.
- Auto-Owners Insurance policyholders can earn discounts including safe driver, teen driver, anti-lock brakes, group or association, multi-policy, student away at school, and company car.
- Liberty Mutual offers discounts for good student, new move discount, preferred payment discount, newly married, new graduate, new vehicle discount, and multi-policy.
- SAFECO has discounts for anti-lock brakes, bundle discounts, safe driver, teen safe driver, anti-theft, accident prevention training, and teen safety rewards.
- Progressive discounts include multi-vehicle, good student, online quote discount, continuous coverage, online signing, homeowner, and multi-policy.
- USAA includes discounts for defensive driver, multi-vehicle, good student, loyalty savings, and military installation.
Check with each company to give you their best rates. Some credits might not apply everywhere. If you would like to view insurance companies who offer car insurance discounts in Indiana, click here to view.
Local neighborhood Fort Wayne car insurance agents
Many people prefer to talk to an insurance agent and that is not a bad decision Good insurance agents can point out coverage gaps and give you someone to call. One of the best bonuses of comparing rate quotes online is that you can obtain cheaper premium rates and also buy local.
To find an agent, once you fill out this quick form, your information gets sent to participating agents in Fort Wayne who will gladly provide quotes and help you find cheaper coverage. It makes it easy because there is no need to find an agent on your own since price quotes are sent directly to your email. If you need to compare rates from a specific company, you can always go to their quote page and complete a quote there.
Picking a insurer requires more thought than just a cheap quote. The answers to these questions are important, too.
- Is coverage determined by price?
- How long has their agency been in business in Fort Wayne?
- Is there a Errors and Omissions policy in force?
- Does the company use OEM repair parts?
- Does the agent help file claims?
If you are wanting to find a good Fort Wayne insurance agent, it can be helpful to understand the different agency structures and how they can service your needs differently. Auto insurance agents can be categorized as either exclusive or independent. Both can insure your vehicles, but it’s good to learn the difference in how they write coverage since it may influence your agent selection.
Exclusive Auto Insurance Agents
Exclusive insurance agents have only one company to place business with and examples are AAA, Allstate, State Farm, or Farmers Insurance. They are unable to provide prices from multiple companies so they really need to provide good service. Exclusive insurance agents are trained well on their products and sales techniques which aids in selling service over price.
Listed below are Fort Wayne exclusive insurance agencies who can help you get price quote information.
Allstate Insurance: Paul Michaylo
2416 Getz Rd – Fort Wayne, IN 46804 – (260) 459-1700 – View Map
Allstate Insurance: Rolly Bhargava
4660 W Jefferson Blvd Ste 100 – Fort Wayne, IN 46804 – (260) 459-7673 – View Map
W.C. Starks – State Farm Insurance Agent
3818 S Calhoun St – Fort Wayne, IN 46807 – (260) 744-4357 – View Map
Independent Auto Insurance Agencies
Independent insurance agents are not employed by any specific company and that enables them to quote your coverage with multiple insurance companies depending on which coverage is best. If you are not satisfied with one company, the agent simply finds a different carrier which requires no work on your part.
When comparing auto insurance rates, you absolutely need to get several quotes from multiple independent agents to get the best comparison.
Listed below is a short list of independent insurance agencies in Fort Wayne willing to provide price quote information.
Hoch Insurance Inc
209 E Washington Center Rd – Fort Wayne, IN 46825 – (260) 471-7555 – View Map
Hylant Group
6714 Pointe Inverness Way #100 – Fort Wayne, IN 46804 – (260) 969-3900 – View Map
Hupe Insurance Services
7011 Stellhorn Rd – Fort Wayne, IN 46815 – (800) 701-5909 – View Map
If you get answers to your satisfaction to any questions you may have as well as cheaper City Express insurance quotes, you may have just found an insurance agency that is a good match to service your policy. Just be aware that once you purchase a policy you can cancel coverage whenever you want so never feel that you are permanently stuck with a specific company with no way to switch.
Frequent quotes can save
We’ve covered quite a bit of information on how to get a better price on Chevy City Express insurance in Fort Wayne. The key thing to remember is the more quotes you get, the higher your chance of finding cheaper Fort Wayne auto insurance quotes. You may even discover the most savings is with a small local company. These smaller insurers may often insure only within specific states and give better rates as compared to the big name companies such as Progressive or GEICO.
Lower-priced Chevy City Express insurance in Fort Wayne is available both online in addition to many Fort Wayne insurance agents, so get free Fort Wayne auto insurance quotes from both of them in order to have the best price selection to choose from. Some companies may not have rate quotes online and most of the time these smaller companies prefer to sell through independent agents.
Additional detailed information is located in these articles:
- Learn About Car Insurance (GEICO)
- Who Has Affordable Car Insurance for Government Employees in Fort Wayne? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a Learners Permit in Fort Wayne? (FAQ)
- How Much are Auto Insurance Quotes for Unemployed Drivers in Fort Wayne? (FAQ)
- Who Has Affordable Auto Insurance for a Nissan Sentra in Fort Wayne? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Active Military in Fort Wayne? (FAQ)
- Who Has Cheap Car Insurance Rates for 19 Year Olds in Fort Wayne? (FAQ)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Car Insurance FAQ (Trusted Choice)