Compare Dodge Ram 3500 Insurance Rates in Fort Wayne

If saving money is your primary concern, then the best way to get discount Dodge Ram 3500 insurance in Fort Wayne is to make a habit of regularly comparing prices from insurers who can sell car insurance in Indiana.

Step 1: Get a basic knowledge of how companies price auto insurance and the changes you can make to keep rates down. Many rating criteria that are responsible for high rates like at-fault accidents and a not-so-good credit rating can be eliminated by making lifestyle changes or driving safer.

Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from one company like GEICO or Farmers Insurance, while independent agents can provide price quotes for a wide range of insurance providers. View a list of agents

Step 3: Compare the new rate quotes to your current policy to see if a cheaper price is available in Fort Wayne. If you can save money and change companies, ensure coverage does not lapse between policies.

Step 4: Provide written notification to your current company of your intention to cancel your current coverage and submit a completed policy application and payment to your new insurance company. As soon as you can, keep the new certificate verifying proof of insurance somewhere easily accessible.

The most important part of shopping around is to use identical coverage information on every quote request and to quote with as many companies as you can. Doing this guarantees a level playing field and the best price quote selection.

A recent insurance study revealed that nearly 70% of drivers have bought insurance from the same company for four years or more, and almost 40% of drivers have never shopped around. Consumers in Indiana could cut their rates by $697 a year just by comparing rates, but they just assume it takes a lot of time to shop around.

Most major insurance companies allow consumers to get prices online. Comparing Dodge Ram 3500 insurance rates online is quite easy as you simply type in the coverages you want into a form. After you submit the form the company’s rating system will obtain information on your driving record and credit history and gives you a price quote based on many factors.

The ability to get online price quotes for Dodge Ram 3500 insurance in Fort Wayne helps simplify price comparisons, and it’s necessary to get many rate quotes if you want to get the cheapest price possible.

To save time and compare pricing, compare rates from the companies below. If you have a policy now, it’s recommended you type in the insurance coverages as close as possible to your current policy. This guarantees you will be getting rate comparison quotes based on similar coverages.

The companies shown below are our best choices to provide price comparisons in Indiana. If multiple companies are listed, it’s highly recommended you visit as many as you can to get a more complete price comparison.

Auto insurance statistics and figures

The premium table shown below highlights detailed analysis of coverage costs for Dodge Ram 3500 models. Learning how policy premiums are determined can help customers make informed coverage decisions.

Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Rate information does not factor in the specific area where the vehicle is garaged which can change auto insurance rates greatly.

Raise deductibles and save

One of the more difficult decisions when buying auto insurance is where to set your physical damage deductibles. The following tables sum up the difference in cost between low and high deductibles. The first price estimate table uses a $100 deductible for comprehensive and collision coverage and the second pricing table uses a $1,000 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Rate quotes do not factor in the specific area where the vehicle is garaged which can alter auto insurance rates greatly.

Using the data above, we can ascertain that using a $100 deductible will cost you approximately $37 more each month or $444 annually than requesting the higher $1,000 deductible. Since you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 24 months between claim filings, you would most likely save money if you decide on a higher deductible.

The example below demonstrates how deductibles and can impact Dodge Ram 3500 insurance rates for different ages of insureds. The rate quotes are based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Drive safe and save

The information below highlights how traffic violations and at-fault claims can raise Dodge Ram 3500 car insurance costs for different ages of insureds. The information is based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.

Does full coverage make sense?

The chart below illustrates the difference between Dodge Ram 3500 auto insurance rates with full coverage compared to only the Indiana minimum liability coverage. The prices are based on no violations or claims, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.

When to drop full coverage

There is no definitive rule of when to phase out comp and collision coverage, but there is a guideline you can consider. If the yearly cost of full coverage is about 10% or more of the replacement cost minus the deductible, then you may need to consider dropping full coverage.

For example, let’s pretend your Dodge Ram 3500 book value is $9,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $8,000 after you pay the deductible. If you are paying in excess of $800 annually for full coverage, then it could be time to drop full coverage.

There are some conditions where buying only liability insurance is not recommended. If you haven’t satisfied your loan, you have to maintain full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not consider dropping full coverage.

Auto insurance can get complicated

When buying a policy, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs and your auto insurance should unique, too.
Here are some questions about coverages that could help you determine if your situation might need professional guidance.

• What are the best liability limits?
• Do I have ACV or replacement cost coverage?
• Why do I have to buy liability insurance?
• Why am I required to buy high-risk coverage?
• When do I need to add a new car to my policy?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• How high should deductibles be on a Dodge Ram 3500?
• Do I need motorclub coverage?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Buying car insurance from Fort Wayne insurance agents

Many people just prefer to get professional advice from a licensed agent and that is OK! One of the best bonuses of price shopping on the web is the fact that drivers can get cheap car insurance quotes and still have an agent to talk to. Buying insurance from local agents is definitely important in Fort Wayne.

To find an agent, once you fill out this quick form, your coverage information is sent to local insurance agents that provide free Fort Wayne car insurance quotes and help you find cheaper coverage. It’s much easier because you don’t need to even leave your home because prices are sent straight to your inbox. You can find better rates AND an agent nearby. If you wish to compare prices for a specific company, feel free to jump over to their website to submit a rate quote request.

Independent or Exclusive: It’s your choice

If you would like to find local Fort Wayne agents, you need to know there are two different types of agencies and how they are distinctly different. Car insurance policy providers can be categorized as either independent agents or exclusive agents.

Independent Car Insurance Agencies

Independent agencies are not required to write business for one company and that allows them to write policies with many different companies and find the cheapest car insurance rates. If premiums increase, your policy is moved internally which requires no work on your part. If you are trying to find cheaper rates, you definitely need to compare quotes from a couple of independent agencies to maximize your price options. Most also write with smaller mutual companies that can offer cheaper rates than bigger companies.

Below is a short list of independent agencies in Fort Wayne that may be able to give you pricing information.

• Mathews Insurance Agency, Inc.
  807 Lincoln Hwy W – New Haven, IN 46774 – (260) 749-9696 – View Map
• Real Estate Agents Health Insurance Direct
  8411 Clinton Park Dr – Fort Wayne, IN 46825 – (855) 343-7344 – View Map
• G A MacDonald Associates
  2200 Lake Ave #120 – Fort Wayne, IN 46805 – (260) 422-5377 – View Map

View more agents

Exclusive Agents

These type of agents can only provide pricing for a single company and examples are Farmers Insurance or State Farm. These agents are not able to compare rates from other companies so you might not find the best rates. They are highly trained on their company’s products and that allows them to sell at a higher price point. Some consumers prefer to use the same agent mainly due to loyalty to the company rather than low price.

Shown below are exclusive agencies in Fort Wayne that are able to give comparison quotes.

• American Family Insurance – Janie Laboube Agency Inc.
  2810 Beaver Ave – Fort Wayne, IN 46807 – (260) 744-9798 – View Map
• John Carr – State Farm Insurance Agent
  1018 E Dupont Rd – Fort Wayne, IN 46825 – (260) 489-3838 – View Map
• Farmers Insurance – Shea Smith
  1104 W State Blvd – Fort Wayne, IN 46808 – (260) 420-2000 – View Map

View more agents

Picking an car insurance agent requires you to look at more than just the premium amount. Ask your prospective agent these questions:

• How much experience to they have in personal lines coverages?
• Is the coverage adequate for your vehicle?
• How much will you save each year by using a higher deductible?
• Is the agency active in community causes in Fort Wayne?
• Are claims handled at the agent’s location?
• Does the company have a solid financial rating?
• Does the agent have professional designations like CIC, CPCU or AIC?

After receiving good responses to these questions as well as a price you’re happy with, it’s possible that you found an auto insurance agent that meets the criteria to provide car insurance coverage.