To save the most money, the best way to quote cheaper Dodge Dakota insurance in Fort Wayne is to make a habit of comparing prices annually from providers who provide car insurance in Indiana. Price quotes can be compared by following these guidelines.
First, get a basic knowledge of how car insurance works and the modifications you can make to keep rates down. Many rating factors that are responsible for high rates like traffic tickets, fender benders, and an unfavorable credit rating can be controlled by being financially responsible and driving safely.
Second, request rate estimates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from a single company like Progressive or Allstate, while independent agents can provide rate quotes for many different companies.
Third, compare the quotes to your current policy premium to see if switching to a new carrier will save money. If you find a lower rate quote and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
A crucial key to this process is that you’ll want to compare the same amount of coverage on every price quote and and to get price estimates from as many car insurance companies as possible. Doing this provides an apples-to-apples comparison and a good representation of prices.
Amazingly, a recent NerdWallet.com study showed that nearly 70% of customers have bought auto insurance from the same company for well over three years, and about 40% of consumers have never shopped around. Many drivers in Indiana could save as much as $697 each year just by getting comparison quotes, but they underestimate how much money they would save if they replace their high priced policy.
Shopping around for the lowest cost insurance in Fort Wayne is not as hard as you think. Nearly every person who is looking for cheaper insurance most likely will be able to save money. Although Indiana drivers do need to understand the way companies charge you for coverage because rates fluctuate considerably.
The quickest method we recommend to compare car insurance company rates for Dodge Dakota insurance in Fort Wayne is to realize auto insurance companies participate in a system to give free rates quotes. To get started, all you need to do is provide a little information such as if a SR-22 is required, the year, make and model of vehicles, if it has an anti-theft system, and what you do for a living. Those rating factors gets transmitted to insurance carriers in your area and you receive quotes almost instantly.
To get price quotes for your car now, click here and find out if you can get cheaper insurance in Fort Wayne.
The companies shown below are our best choices to provide free rate quotes in Fort Wayne, IN. If multiple companies are listed, we recommend you visit two to three different companies to find the cheapest auto insurance rates.
Get cheaper Dodge Dakota insurance in Fort Wayne with discounts
Auto insurance is not cheap nor is it fun to buy but there could be available discounts that can dramatically reduce your bill. Many of these discounts will be applied automatically when you get a quote, but some discounts are required to be asked about prior to getting the savings.
- Discount for New Cars – Adding a new car to your policy is cheaper because newer models are generally safer.
- Good Drivers – Drivers without accidents can save up to 40% or more on their Fort Wayne car insurance quote than their less cautious counterparts.
- Defensive Driver Discount – Participating in a driver safety course could save 5% or more and easily recoup the cost of the course.
- Sign Online – A few auto insurance companies will give you a small discount get Fort Wayne car insurance online.
- Pay Now and Pay Less – By making one initial payment instead of monthly or quarterly installments you may have a lower total premium amount.
- Anti-theft System – Anti-theft and alarm system equipped vehicles are stolen less frequently and that can save you a little bit as well.
- Multi-policy Discount – If you have multiple policies with one company you may earn 10% to 20% off each policy.
- Federal Employees – Active or former government employment could cut as much as 10% off depending on your company.
Remember that most discount credits are not given to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Even though the math looks like adding up those discounts means a free policy, that’s just not realistic.
The diagram below illustrates the difference between Dodge Dakota premium costs with and without discounts applied to the policy rates. Data assumes a male driver, a clean driving record, no claims, Indiana state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, multi-policy, homeowner, safe-driver, and marriage discounts applied.
The best auto insurance companies and some of the premium reductions they offer are included below.
- GEICO may offer discounts for multi-vehicle, federal employee, anti-theft, air bags, anti-lock brakes, and military active duty.
- MetLife has savings for good student, claim-free, accident-free, good driver, defensive driver, multi-policy
- Progressive may include discounts for multi-policy, online signing, online quote discount, good student, and homeowner.
- Travelers includes discounts for save driver, payment discounts, early quote, multi-car, multi-policy, student away at school, and driver training.
- SAFECO offers discounts including homeowner, accident prevention training, drive less, bundle discounts, teen safety rewards, multi-car, and anti-lock brakes.
- AAA discounts include education and occupation, good driver, multi-policy, multi-car, and AAA membership discount.
Before you buy a policy, ask each insurance company which credits you are entitled to. Some of the discounts discussed earlier may not apply in Fort Wayne. To see a list of providers that offer discounts in Fort Wayne, click here.
Dodge Dakota insurance statistics and information
The price information displayed below highlights different insurance policy prices for Dodge Dakota models. Having a good grasp of how insurance prices are formulated is important for you to make decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Dakota ST Ext Cab 2WD | $162 | $376 | $396 | $24 | $118 | $1,076 | $90 |
| Dakota Bighorn Ext Cab 2WD | $162 | $376 | $396 | $24 | $118 | $1,076 | $90 |
| Dakota Lonestar Ext Cab 2WD | $186 | $376 | $396 | $24 | $118 | $1,100 | $92 |
| Dakota ST Crew Cab 2WD | $186 | $376 | $396 | $24 | $118 | $1,100 | $92 |
| Dakota Bighorn Crew Cab 2WD | $186 | $444 | $396 | $24 | $118 | $1,168 | $97 |
| Dakota Lonestar Crew Cab 2WD | $186 | $444 | $396 | $24 | $118 | $1,168 | $97 |
| Dakota Bighorn Ext Cab 4WD | $210 | $376 | $318 | $18 | $94 | $1,016 | $85 |
| Dakota ST Ext Cab 4WD | $210 | $376 | $318 | $18 | $94 | $1,016 | $85 |
| Dakota Laramie Crew Cab 2WD | $210 | $444 | $396 | $24 | $118 | $1,192 | $99 |
| Dakota ST Crew Cab 4WD | $210 | $376 | $318 | $18 | $94 | $1,016 | $85 |
| Dakota Lonestar Ext Cab 4WD | $210 | $376 | $318 | $18 | $94 | $1,016 | $85 |
| Dakota Bighorn Crew Cab 4WD | $210 | $376 | $318 | $18 | $94 | $1,016 | $85 |
| Dakota TRX Crew Cab 4WD | $210 | $444 | $318 | $18 | $94 | $1,084 | $90 |
| Dakota TRX Crew Cab 4WD | $210 | $444 | $318 | $18 | $94 | $1,084 | $90 |
| Dakota Lonestar Crew Cab 4WD | $210 | $444 | $318 | $18 | $94 | $1,084 | $90 |
| Dakota Laramie Crew Cab 4WD | $234 | $444 | $318 | $18 | $94 | $1,108 | $92 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Premium amounts do not factor in zip code location which can alter price quotes noticeably.
Rate difference between full and liability-only coverage
The illustration below visualizes the comparison of Dodge Dakota yearly insurance costs with and without physical damage coverage. The price estimates are based on no accidents or driving violations, $250 deductibles, single status, and no discounts are taken into consideration.
When to drop comprehensive and collision coverage
There isn’t a steadfast formula to drop physical damage coverage, but there is a general school of thought. If the annual cost of coverage is more than about 10% of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.
For example, let’s say your Dodge Dakota claim settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $4,000 after the policy deductible has been paid. If you are paying over $400 annually for comprehensive and collision coverage, then you might consider buying liability only.
There are some situations where buying only liability insurance is not recommended. If you still have a lienholder on your title, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should keep full coverage in place.
Lower Your Fort Wayne Insurance Premiums
Lots of things are used in the calculation when you get your auto insurance bill. Some are obvious like an MVR report, but some are less obvious like where you live or your financial responsibility.
Accidents will cost you – How you drive has a lot to do with how much you pay for insurance. Having just one speeding ticket may cause rates to rise to the point where it’s not affordable. Careful drivers get better rates than bad drivers. People who have license-revoking citations such as DUI or willful reckless driving might be required by their state to prove financial responsibility with their state in order to drive a vehicle legally.
The diagram below highlights how speeding tickets and at-fault accidents can influence Dodge Dakota car insurance costs for different age categories. The rate quotes are based on a single male driver, full coverage, $500 deductibles, and no discounts are taken into consideration.
Prevent car insurance policy lapses – Having an insurance coverage lapse can be a quick way to trigger a rate increase. And not only will your rates increase, failure to provide proof of insurance will get you fines or a revoked license.
Expect high rates for teens – More mature drivers are more responsible, tend to file fewer claims, and get fewer tickets. Teen drivers have been known to be less responsible in a vehicle so car insurance rates are higher.
The chart below uses these assumptions: single driver, full coverage with $100 deductibles, and no discounts or violations.
Vehicles with better crash test results are cheaper to insure – Vehicles with good safety scores get lower rates. Vehicles built for safety result in less severe injuries and fewer injuries means less claims paid and thus lower rates.
Get hitched and pay less – Having a spouse can actually save you money on your policy. Having a significant other usually means you are less irresponsible and insurance companies reward insureds because being married results in fewer claims.
Deductibles are a factor – Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your Dodge. Some examples of claims that would be covered are a windshield shattered by a rock, damage from fire, and having your car stolen. Comp and collision deductibles define how much you are willing to pay out-of-pocket before your car insurance pays a claim. The higher the amount the insured is willing to pay, the less your car insurance will be.
Vehicle features that cut prices – Choosing to buy a car with a theft deterrent system can save you some money. Advanced theft deterrents like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent auto theft.
Men pay more for auto insurance – The statistics show that women are safer drivers than men. This data doesn’t prove that females are better drivers. They both cause auto accidents at a similar rate, but men have accidents that have higher claims. Not only that, but men also receive more major tickets like DWI (DUI) or reckless driving.
The information below visualizes the comparison of Dodge Dakota car insurance costs for male and female drivers. The costs are based on a clean driving record, no claims, full coverage, $500 deductibles, marital status is single, and no discounts are applied to the premium.
Local Fort Wayne insurance agents and insurance
Some consumers would rather sit down with an agent and that is OK! A good thing about comparing insurance online is the fact that drivers can get better rates and still have a local agent. Supporting local insurance agents is important particularly in Fort Wayne.
To find an agent, once you fill out this quick form, your information is instantly submitted to companies in Fort Wayne that can provide free Fort Wayne car insurance quotes for your coverage. It makes it easy because there is no need to visit any agencies because prices are sent to your email. You can most likely find cheaper rates without a big time investment. If you want to get a rate quote for a specific company, you just need to search and find their rate quote page and fill out their quote form.
When narrowing the list to find a local Fort Wayne insurance agent, it’s helpful to know the types of agencies and how they work. Fort Wayne agents may be either exclusive agents or independent agents.
Independent Agents
These type of agents often have affiliation with several companies and that is an advantage because they can write policies with any number of different companies and get you the best rates possible. To move your coverage to a new company, your agent can switch companies and the insured can keep the same agent. If you are comparing rate quotes, it’s recommended you compare quotes from at a minimum one independent agency for the best price selection. Many can place coverage with lesser-known insurance companies that many times have cheaper rates.
The following is a list of independent insurance agents in Fort Wayne that may be able to give you cheap rate quotes.
- 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 - Jackson Insurance Agency
809 S Calhoun St #308 – Fort Wayne, IN 46802 – (260) 434-0352 – View Map
Exclusive Insurance Agencies
Exclusive insurance agents can usually just insure with one company and some examples include State Farm or Allstate. These agents are unable to compare other company’s rates so keep that in mind. Exclusive insurance agents are well schooled on what they offer which helps them sell on service rather than price. Drivers often choose to use an exclusive agent primarily because of the prominence of the brand and strong financial ratings.
Below is a short list of exclusive agents in Fort Wayne that are able to give rate quotes.
- Shawn Corbett – State Farm Insurance Agent
6061 N Clinton St – Fort Wayne, IN 46825 – (260) 484-6199 – View Map - Allstate Insurance: Susan L. Law
5308 St Joe Rd – Fort Wayne, IN 46835 – (260) 492-6254 – View Map - Allstate Insurance: Paul Michaylo
2416 Getz Rd – Fort Wayne, IN 46804 – (260) 459-1700 – View Map
Finding the right auto insurance agent shouldn’t rely on just a cheap quote. These are valid questions to ask:
- Are they primarily personal or commercial lines agents in Fort Wayne?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- What are their preferred companies if they are an independent agency?
- Will the quote change when the policy is issued?
- Which family members are covered?
- Which insurance company do they prefer to write with?
- How is replacement cost determined on your vehicle?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
Which car insurance company is best in Indiana?
Finding the top company can be difficult considering how many companies sell insurance in Fort Wayne. The company ratings in the next section may help you analyze which insurers you want to consider when shopping around.
Top 10 Fort Wayne Car Insurance Companies Ranked by Claims Service
- Progressive
- Travelers
- Liberty Mutual
- Nationwide
- USAA
- GEICO
- AAA Insurance
- Safeco Insurance
- Esurance
- The General
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
Cheaper car insurance premiums are out there
When getting Fort Wayne car insurance quotes online, never buy lower coverage limits just to save a few bucks. There have been many situations where an accident victim reduced collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.
We just showed you a lot of techniques to reduce Dodge Dakota insurance prices online in Fort Wayne. The key concept to understand is the more rate comparisons you have, the better likelihood of getting affordable Dodge Dakota insurance quotes. Drivers may even discover the lowest priced car insurance comes from some of the lesser-known companies.
The cheapest Dodge Dakota insurance in Fort Wayne is attainable from both online companies and from local insurance agents, so you need to shop Fort Wayne car insurance with both in order to have the best chance of saving money. Some companies may not have rate quotes online and these small insurance companies only sell coverage through independent insurance agencies.
More tips and info about car insurance is available in these articles:
- Side Impact Crash Tests (iihs.org)
- Who Has Cheap Fort Wayne Auto Insurance Rates for a Honda Accord? (FAQ)
- Who Has Cheap Auto Insurance Rates for 17 Year Olds in Fort Wayne? (FAQ)
- Who Has Cheap Auto Insurance Quotes for College Graduates in Fort Wayne? (FAQ)
- Teen Driver Licensing Information (iihs.org)
- Prom Night Tips for Teen Drivers (State Farm)