Purchasing cheaper Fort Wayne Chrysler Town and Country insurance quotes on the web might seem impossible for people who are beginners to quoting and online price comparisons. With a ridiculous number of online companies available, how can Fort Wayne drivers have time to compare each option to find the lowest price available?
It’s safe to assume that insurance companies don’t want policyholders to compare prices from other companies. Drivers who shop for lower rates are highly likely to move their business because they have a good chance of finding a lower-priced company. A recent survey discovered that drivers who compared rates annually saved $72 a month compared to those who don’t make a habit of comparing rates.
If finding the lowest price for car insurance is your target objective, then understanding the best way to quote and compare insurance premiums can save time, money, and frustration.
It’s a good habit to quote other rates before your next renewal because car insurance prices change quite often. If you had the lowest quotes on Chrysler Town and Country insurance in Fort Wayne on your last policy a different company probably has better rates today. You can find a lot of wrong information about Town and Country insurance on the web, but in just a couple of minutes you can learn some great ways to find cheap car insurance in Fort Wayne.
These tips will help you learn how to effectively get price quotes and how you can save the most money. If you have insurance now, you will be able to get lower rates using the concepts you’re about to learn. But Indiana drivers should learn how the larger insurance companies sell insurance online and take advantage of how the system works.
When looking for low cost Fort Wayne auto insurance quotes, there are a couple ways to compare prices from many different Indiana insurance companies. The fastest way to find the lowest rates is to jump online and get quotes. When comparison shopping, obtaining a wide range of quotes helps locate lower pricing. Some smaller insurers do not give online price quotes, so you should also compare prices from them, too.
The following companies are our best choices to provide quotes in Indiana. If you want to find the best auto insurance in IN, we suggest you visit two to three different companies in order to find the lowest rates.
Auto insurance statistics for a Chrysler Town and Country
The data table shown below showcases estimates of coverage costs for Chrysler Town and Country models. Having knowledge of how prices are established is important to be able to make smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Town and Country LX | $234 | $352 | $244 | $14 | $72 | $916 | $76 |
| Town and Country Touring | $264 | $428 | $244 | $14 | $72 | $1,022 | $85 |
| Town and Country Signature | $264 | $428 | $244 | $14 | $72 | $1,022 | $85 |
| Town and Country Touring Plus | $264 | $428 | $244 | $14 | $72 | $1,022 | $85 |
| Town and Country Limited | $294 | $504 | $244 | $14 | $72 | $1,128 | $94 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rate information does not factor in specific garaging location which can alter prices significantly.
Physical damage deductibles: Should you raise them?
One of the hardest decisions when shopping for auto insurance is where to set your physical damage deductibles. The comparisons below can help you understand the difference in cost when you choose different deductibles. The first rate comparisons uses a $250 deductible for physical damage and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Town and Country LX | $216 | $300 | $238 | $14 | $72 | $865 | $72 |
| Town and Country Touring | $244 | $366 | $238 | $14 | $72 | $959 | $80 |
| Town and Country Signature | $244 | $366 | $238 | $14 | $72 | $959 | $80 |
| Town and Country Touring Plus | $244 | $366 | $238 | $14 | $72 | $959 | $80 |
| Town and Country Limited | $272 | $430 | $238 | $14 | $72 | $1,051 | $88 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Town and Country LX | $176 | $242 | $238 | $14 | $72 | $742 | $62 |
| Town and Country Touring | $200 | $294 | $238 | $14 | $72 | $818 | $68 |
| Town and Country Signature | $200 | $294 | $238 | $14 | $72 | $818 | $68 |
| Town and Country Touring Plus | $200 | $294 | $238 | $14 | $72 | $818 | $68 |
| Town and Country Limited | $222 | $348 | $238 | $14 | $72 | $894 | $75 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Rates do not factor in specific zip code location which can alter coverage prices significantly.
We can estimate from the data above that using a $250 deductible will cost you approximately $12 more each month or $144 annually than quoting the higher $500 deductible. Since you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you average at a minimum 21 months between claim filings, you would probably save some money if you elect the higher deductible.
Calculation for raising deductibles
| Average monthly premium for $250 deductibles: | $80 |
| Average monthly premium for $500 deductibles (subtract): | – $68 |
| Monthly savings from raising deductible: | $12 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $12 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
One important issue to know is that raising deductibles to get cheaper rates means you will have to pay more out-of-pocket when you have to file a claim. You will want to have enough disposable income in the event you have to pay more to get your vehicle repaired.
Liability only or full coverage
The chart below compares Chrysler Town and Country car insurance rates when comparing full coverage to state minimum liability only. The premiums assume no accidents or driving violations, $250 deductibles, marital status is single, and no discounts are taken into consideration.
Should you pay for full coverage?
There isn’t a written rule for dropping physical damage insurance, but there is a general guideline. If the yearly cost of comp and collision coverage is 10% or more of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
For example, let’s say your Chrysler Town and Country claim settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $7,000 after paying the physical damage deductible. If premium cost is more than $700 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.
There are some situations where eliminating full coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.
Save a ton by applying discounts
Some insurers do not advertise every discount they offer very clearly, so the list below contains some of the best known as well as some of the hidden credits available to lower your premiums when you buy Fort Wayne auto insurance online.
- Discounts for Multiple Vehicles – Buying a policy with multiple cars or trucks on a single policy can reduce the rates for all insured vehicles.
- Club Memberships – Being in qualifying employment or professional organizations can get you a small discount on your policy.
- ABS and Traction Control Discounts – Anti-lock brake equipped vehicles can stop better under adverse conditions so you can save 10 percent or more.
- Use Seat Belts – Drivers who require all vehicle occupants to buckle up could cut 10% or more off PIP or medical payments premium.
- Telematics Data Discounts – Drivers that enable driving data collection to scrutinize where and when they drive by using a telematics device in their vehicle such as Progressive’s Snapshot could save a few bucks if they are good drivers.
Consumers should know that some of the credits will not apply to the entire cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. Just because it seems like all those discounts means the company will pay you, company stockholders wouldn’t be very happy. But all discounts should definitely cut your policy premium.
The diagram below visualizes the comparison of Chrysler Town and Country insurance prices with and without discounts applied. The premium estimates are based on a male driver, no violations or accidents, Indiana state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, multi-policy, homeowner, safe-driver, and marriage discounts applied.
A few of the larger companies and their offered discounts include:
- GEICO discounts include anti-lock brakes, multi-policy, defensive driver, air bags, driver training, and emergency military deployment.
- Auto-Owners Insurance policyholders can earn discounts including company car, good student, safe driver, anti-lock brakes, group or association, and paid in full.
- American Family offers premium reductions for accident-free, early bird, bundled insurance, TimeAway discount, and mySafetyValet.
- Esurance offers discounts including good student, defensive driver, good driver, anti-lock brakes, DriveSense, emergency road assistance, and online quote.
- Progressive includes discounts for continuous coverage, good student, online quote discount, online signing, and multi-policy.
- State Farm offers discounts for multiple policy, Steer Clear safe driver discount, good driver, multiple autos, accident-free, defensive driving training, and anti-theft.
- AAA has savings for good driver, multi-policy, education and occupation, AAA membership discount, pay-in-full, and anti-theft.
Before purchasing a policy, check with all the companies which discounts you qualify for. Some of the earlier mentioned discounts may not be available in your state.
Three reasons car insurance is important
Despite the fact that car insurance is not cheap in Fort Wayne, maintaining insurance serves an important purpose.
First, almost all states have compulsory liability insurance requirements which means it is punishable by state law to not carry specific limits of liability insurance in order to drive the car legally. 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 took out a loan on your car, more than likely the lender will have a requirement that you have insurance to ensure they get paid if you total the vehicle. If you default on your policy, the bank or lender will purchase a policy for your Chrysler for a lot more money and require you to pay for the much more expensive policy.
Third, car insurance preserves both your car and your personal assets. It also can pay for hospital and medical expenses for both you and anyone you injure as the result of an accident. Liability insurance will also pay for a defense attorney if you are named as a defendant in an auto accident. If you have damage to your Chrysler as the result of the weather or an accident, comprehensive and collision coverage will cover the repair costs.
The benefits of insuring your Town and Country definitely exceed the cost, specifically if you ever have a liability claim. In a recent study of 1,000 drivers, the average customer overpays as much as $750 every year so it’s recommended you shop around at least once a year to ensure rates are inline.
When to contact a local insurance agent
A lot of people would rather have an agent’s advice and that can be a smart move The best thing about price shopping on the web is you can get better rates and also buy local. Putting coverage with local insurance agents is important particularly in Fort Wayne.
To make it easy to find an agent, after completing this form (opens in new window), your insurance data is instantly submitted to agents in your area that can provide free Fort Wayne auto insurance quotes and help you find cheaper coverage. You won’t need to leave your house due to the fact that quote results will go immediately to your email address. It’s the lowest rates and an insurance agent to talk to. If you have a need to compare rates from a specific insurance company, feel free to navigate to their website and submit a quote form there.
If you would like to find a local agent, there are a couple of different types of agencies and how they differ in how they quote coverages. Insurance agents can be categorized as either independent or exclusive depending on the company they work for.
Independent Insurance Agents
Independent agencies can quote rates with many companies so as a result can place your coverage with lots of companies and find you the best rates. If they find a cheaper price, they simply move your policy to a different company and you can keep the same agent.
When comparing rates, we recommend you compare prices from multiple independent agents to maximize your price options. Most also have access to small mutual carriers that can offer cheaper rates than bigger companies.
Shown below are independent insurance agents in Fort Wayne that may be able to give free rate quotes.
- Stewart Brimner Group
3702 Rupp Dr – Fort Wayne, IN 46815 – (260) 482-6900 – View Map - Wise Insurance Agency
7410 Bluffton Rd – Fort Wayne, IN 46809 – (260) 747-5373 – View Map - Synergy Financial Group
9326 Coldwater Rd – Fort Wayne, IN 46825 – (260) 490-8822 – View Map
Exclusive Insurance Agencies
Exclusive insurance agents are contracted to one company and some examples include Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot compare other company’s rates so you might not find the best rates. Exclusive agents are usually well trained on their company’s products and that can be a competitive advantage. Many people purchase coverage from exclusives mainly due to the prominent brand name and the convenience of having all coverages with one company.
Shown below is a short list of exclusive insurance agents in Fort Wayne that are able to give price quotes.
- Allstate Insurance: Steven Westrick
8938 Lima Rd Suite R – Fort Wayne, IN 46818 – (260) 489-3977 – View Map - American Family Insurance – Janie Laboube Agency Inc.
2810 Beaver Ave – Fort Wayne, IN 46807 – (260) 744-9798 – View Map - John Hayes – State Farm Insurance Agent
6407 Stellhorn Rd – Fort Wayne, IN 46815 – (260) 486-4711 – View Map
Finding the right insurance agent is decision based upon more than just a low price. Any agent in Fort Wayne should be willing to answer these questions.
- Who is covered by the car insurance policy?
- Can they help ensure a fair claim settlement?
- Do they get paid more for recommending certain coverages?
- Can they provide you with a list of referrals?
- Are claim adjusters local or do you have to take your car somewhere else?