Finding the cheapest insurance for a Chrysler Sebring in Indiana could be difficult, but you can learn the following methods to save time.
There are both good and bad ways to find auto insurance online and we’ll show you the quickest way to price shop coverage on a Chrysler and get the lowest possible price either online or from Fort Wayne insurance agents.
Companies offering Chrysler Sebring insurance in Fort Wayne
The following companies provide price quotes in Fort Wayne, IN. To get cheap auto insurance in Indiana, we recommend you visit several of them in order to get a fair rate comparison.
Chrysler Sebring coverage statistics
The coverage information displayed below showcases estimates of insurance policy prices for Chrysler Sebring models. Having knowledge of how insurance policy rates are established helps drivers make smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sebring Touring 4-Dr Sedan | $170 | $366 | $270 | $16 | $80 | $902 | $75 |
| Sebring Limited 4-Dr Sedan | $170 | $366 | $270 | $16 | $80 | $902 | $75 |
| Sebring LX 2-Dr Convertible | $190 | $366 | $270 | $16 | $80 | $922 | $77 |
| Sebring Touring 2-Dr Convertible | $190 | $366 | $270 | $16 | $80 | $922 | $77 |
| Sebring Limited 2-Dr Convertible | $212 | $422 | $270 | $16 | $80 | $1,000 | $83 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rates do not factor in garaging location in Fort Wayne which can change premium rates significantly.
Does it make sense to buy full coverage?
The illustration below compares Chrysler Sebring insurance prices with and without physical damage coverage. The price estimates are based on no claims or violations, $100 deductibles, marital status is single, and no discounts are applied.
When to drop comp and collision
There isn’t a steadfast formula to exclude physical damage insurance, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.
For example, let’s say your Chrysler Sebring replacement cost is $3,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $2,000 after you pay the deductible. If you are paying in excess of $200 a year for comprehensive and collision coverage, then you might want to consider buying only liability coverage.
There are some circumstances where only buying liability is not advised. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not buy liability only.
Eight factors that affect insurance prices
Part of the auto insurance buying process is learning some of the elements that aid in calculating the price you pay for auto insurance. If you have a feel for what influences your rates, this helps enable you to make changes that can earn you cheaper rates.
The itemized list below are most of the major factors used by insurance companies to determine your prices.
Drive lots and pay more – Driving more miles in a year’s time the more you’ll pay to insure your vehicle. A lot of companies apply a rate based upon how the vehicle is primarily used. Cars that are left in the garage can be on a lower rate level than vehicles that have high annual mileage. It’s a good idea to make sure your policy is rated on the proper vehicle usage, because improper ratings can cost you money. Improper usage on your Sebring can result in significantly higher rates.
Location can affect price – Being located in a rural area can save you money when shopping for auto insurance. Fewer drivers on the road corresponds to lower accident rates in addition to lower liability claims. People in densely populated areas have more traffic problems and longer commutes to work. Higher commute times means more chances of being involved in an auto accident.
High performance equals high costs – The make and model of the car you are buying insurance for makes a huge difference in how high your rates are. The cheapest rates are usually found on small economy passenger cars, but the cost you end up paying is determined by many additional factors.
The following data assumes a married male driver age 50, full coverage with $1000 deductibles, and no discounts or violations. The chart compares Chrysler Sebring insurance rates compared to other vehicles that have different performances.
Consolidating policies can get discounts – Most larger auto insurance companies will award discounts to clients who carry more than one policy. It’s known as a multi-policy discount. Even though this discount sounds good, it’s still a good idea to compare other Fort Wayne Sebring insurance rates to ensure the best deal.
Age of drivers impacts rates – Older, more experienced drivers are more cautious drivers, tend to cause fewer accidents, and get fewer tickets. Teen drivers are statistically shown to get distracted easily when driving with friends and because of this, their auto insurance rates are much higher.
The next chart uses these variables: single driver, full coverage with $250 deductibles, and no discounts or violations.
Prices may be lower depending on your occupation – Careers such as fire fighters, social workers, and stock brokers tend to have higher rates than the rest of us due to intense work requirements and long work hours. On the flip side, careers such as farmers, historians and the unemployed have lower than average premiums.
Are men or women drivers cheaper? – Statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. They both have auto accidents in similar numbers, but the males tend to have more serious accidents. Not only that, but men also receive more major tickets like DWI (DUI) or reckless driving. Male teenagers are several times more likely to be in an accident and therefore are the most expensive to insure.
The chart below compares Chrysler Sebring insurance costs for male and female drivers. The data is based on no violations or accidents, full coverage, $500 deductibles, single marital status, and no discounts are applied to the premium.
Excellent credit means lower prices – A driver’s credit rating factor in your rate calculation. Therefore, if your credit leaves room for improvement, you could save money insuring your Chrysler Sebring by spending a little time repairing your credit. People with high credit scores tend to be better risks to insure as compared to drivers with poor credit.
Slash rates with these discounts
Companies that sell car insurance do not advertise all possible discounts very well, so below is a list a few of the more well known and the more hidden insurance savings.
- Life Insurance Discount – Insurance companies who offer life insurance give a small discount if you purchase auto and life insurance together.
- Driver Training Discounts – Taking time to complete a course that instructs on driving safety is a good idea and can lower rates and make you a better driver.
- Low Miles Discount – Low mileage vehicles could earn discounted premium rates on garaged vehicles.
- College Student – Any of your kids who live away from home to go to college and do not have access to a covered vehicle could qualify for this discount.
- Discount for Swiching Early – Some companies give discounts for signing up prior to your current Sebring insurance policy expiring. It could save around 10% when you buy Fort Wayne car insurance online.
- Driving Data Discount – Insureds who allow their insurance company to look at driving habits by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive might see lower rates if they are good drivers.
- Responsible Driver Discount – Safe drivers can get discounts for up to 45% lower rates than their less cautious counterparts.
One last thing about discounts, most of the big mark downs will not be given to the entire cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, you won’t be that lucky.
The example below illustrates the comparison of Chrysler Sebring insurance premiums with and without some available policy discounts. The premium estimates are based on a male driver, no claims, a clean driving record, Indiana state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-car, claim-free, multi-policy, and marriage discounts applied.
To find providers with significant discounts in Fort Wayne, follow this link.
Buying auto insurance from Fort Wayne auto insurance agents
A lot of people would rather get professional advice from a licensed agent and there is nothing wrong with that. Professional agents can answer important questions and help file insurance claims. An additional benefit of price shopping on the web is the fact that drivers can get the lowest rates but also keep your business local. Buying from small agencies is important particularly in Fort Wayne.
By using this simple form, your insurance coverage information is sent to agents in your area that give free quotes for your insurance coverage. You don’t have to drive around because quoted prices will be sent to your email. If you have a need to get a comparison quote from one company in particular, you just need to jump over to their website and fill out the quote form the provide.
Types of auto insurance agents
If you would like to find a reputable insurance agent or broker, it helps to know the two types of agencies and how they work. Auto insurance agents can be described as either independent agents or exclusive agents. Either type can insure your vehicles, but it is a good idea to know how they are different because it can impact which agent you choose.
Independent Agents
Independent insurance agents often have affiliation with several companies so they can quote policies through many different auto insurance companies and get the cheapest rates. If they find a lower price, they simply switch companies in-house which requires no work on your part.
If you are trying to find cheaper rates, you absolutely need to get some free quotes from independent agents so that you have a good selection of quotes to compare. Many write coverage with smaller companies that may provide cheaper auto insurance rates.
Shown below is a list of independent insurance agents in Fort Wayne that can give you price quotes.
- STAR Insurance Agency
2130 E Dupont Rd – Fort Wayne, IN 46825 – (260) 467-5690 – View Map - Sourceone Group
6628 Constitution Dr – Fort Wayne, IN 46804 – (260) 436-3544 – View Map - Synergy Financial Group
9326 Coldwater Rd – Fort Wayne, IN 46825 – (260) 490-8822 – View Map
Exclusive Agencies
These agents have only one company to place business with and some examples include State Farm, AAA, Farmers Insurance or Allstate. They usually cannot provide other company’s prices so they have no alternatives for high prices. They receive extensive training on the products they sell and that can be a competitive advantage. Some insured continue to buy insurance from these agents partially due to the brand name rather than having low rates.
The following is a list of exclusive insurance agencies in Fort Wayne who can help you get price quote information.
- W.C. Starks – State Farm Insurance Agent
3818 S Calhoun St – Fort Wayne, IN 46807 – (260) 744-4357 – View Map - Farmers Insurance – Adrian Hernandez
3474 Stellhorn Rd – Fort Wayne, IN 46815 – (260) 485-0122 – View Map - Larry Ice II – State Farm Insurance Agent
6221 Maplecrest Rd – Fort Wayne, IN 46835 – (260) 484-8572 – View Map
Deciding on an insurance agency needs to be determined by more than just a cheap price quote. These are some questions your agent should answer.
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Who is covered by the car insurance policy?
- How does the company pay claims for a total loss?
- Where would glass claims be handled in Fort Wayne?
- Do they have designations such as AIC, CPCU, or CIC?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Are claims handled at the agent’s location?
- Is the agent and/or agency licensed to do business in Indiana?
Upon getting good answers to all your questions and an acceptable price quote, you have narrowed it down to an insurance agency that is professional and can insure your vehicles. Just remember once you purchase a policy you can terminate coverage whenever you choose to so don’t assume that you are obligated to any particular company for any length of time.
Best car insurance in Fort Wayne
Insuring your vehicle with the top insurer is hard considering how many companies there are to choose from in Indiana. The company information below may help you choose which auto insurance companies you want to consider comparing rates from.
Top 10 Fort Wayne Car Insurance Companies Ranked by Customer Service
- Nationwide
- State Farm
- Safeco Insurance
- American Family
- Titan Insurance
- Travelers
- Liberty Mutual
- GEICO
- Erie Insurance
- Allstate
One last thing about your coverage
Cost effective Chrysler Sebring insurance is definitely available both online and with local Fort Wayne insurance agents, so you need to shop Fort Wayne car insurance with both in order to have the best chance of saving money. Some insurance providers do not provide online quoting and usually these small insurance companies work with local independent agents.
You just learned quite a bit of information on how to find lower-cost Chrysler Sebring insurance in Fort Wayne. The most important thing to understand is the more you quote Fort Wayne car insurance, the better your chances of lowering your premium rates. You may even be surprised to find that the most savings is with a small local company.
People change insurance companies for a variety of reasons including lack of trust in their agent, questionable increases in premium, unfair underwriting practices and even not issuing a premium refund. No matter why you want to switch, switching auto insurance companies is easier than you think.
Steps to finding affordable Chrysler Sebring insurance in Fort Wayne
If you want to save money, the best way to find discount Chrysler Sebring insurance is to start comparing prices regularly from different companies in Fort Wayne. This can be done by following these steps.
- It will benefit you to learn about what is in your policy and the measures you can take to keep rates in check. Many rating factors that result in higher rates such as multiple speeding tickets and a less-than-favorable credit rating can be improved by making minor changes in your lifestyle.
- Obtain price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give prices from a single company like Progressive and State Farm, while independent agents can quote rates for many different companies. Select a company
- Compare the new rate quotes to your existing coverage to see if you can save by switching companies. If you find a better price and decide to switch, make sure coverage does not lapse between policies.
- Notify your current company of your intention to cancel the current policy and submit the required down payment along with the signed application to your new agent or company. Once received, keep your new certificate verifying proof of insurance in your vehicle.
An important bit of advice to remember is to use identical limits and deductibles on every quote and and to compare as many companies as feasibly possible. This guarantees a fair rate comparison and the best price selection.
To learn more, link through to the following helpful articles:
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- How Much is Auto Insurance for State Employees in Fort Wayne? (FAQ)
- Who Has Affordable Car Insurance for Young Drivers in Fort Wayne? (FAQ)
- How Much are Auto Insurance Rates for a Ford Edge in Fort Wayne? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for High School Students in Fort Wayne? (FAQ)
- Credit and Insurance Scores (Insurance Information Institute)
- Senior Drivers (Insurance Information Institute)