Cheap Insurance for a Dodge Journey in Fort Wayne

The best way to find cheaper quotes for Dodge Journey insurance in Fort Wayne is to make a habit of comparing prices annually from providers who sell auto insurance in Indiana.

First, get an understanding of policy coverages and the measures you can control to prevent expensive coverage. Many risk factors that result in higher prices such as traffic violations and a not-so-good credit rating can be rectified by making small lifestyle or driving habit changes. Continue reading for additional ideas to get low prices and find discounts that may have been missed.

Second, compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from a single company like Progressive or Farmers Insurance, while independent agencies can provide price quotes for many different companies.

Third, compare the new rates to the price on your current policy to see if switching to a new carrier will save money. If you find a better price and make a switch, make sure there is no lapse in coverage.

Fourth, give notification to your current company of your intent to cancel your current auto insurance policy and submit any necessary down payment along with the completed application for the new policy. Don’t forget to safely store the certificate verifying coverage in an accessible location in your vehicle.

One thing to remember is to make sure you enter identical limits and deductibles on every quote and and to get rates from as many companies as feasibly possible. Doing this ensures a level playing field and a thorough selection of prices.

It’s hard to fathom, but most consumers have remained with the same insurance company for well over three years, and approximately 40% of consumers have never compared insurance rates at all. Consumers in Indiana could cut their rates by roughly $700 a year, but they don’t understand how simple it is to compare rates.

Best Dodge Journey insurance rates in Indiana

The companies shown below offer free rate quotes in Fort Wayne, IN. To find the cheapest auto insurance in Fort Wayne, IN, we suggest you compare several of them to get a more complete price comparison.

Coverage analysis

The table below highlights a range of insurance costs for Dodge Journey models. Learning how car insurance premiums are formulated can help guide drivers when making informed decisions when shopping around for a new policy.

Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Premium amounts do not factor in Fort Wayne location which can impact coverage rates considerably.

Policy deductible comparison

The hardest decision when buying coverage is how high should the deductibles for physical damage be. The following tables highlight the difference in cost when you select higher and lower policy deductibles. The first rate quote example uses a $250 deductible and the second rate table uses a $1,000 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Estimates do not factor in your specific Fort Wayne location which can influence premium rates substantially.

We can estimate from the data above that using a $250 deductible would cost the average driver about $21 more each month or $252 each year than choosing the higher $1,000 deductible. Since you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to have more than 36 months between claims, you would probably be better off by going with a higher deductible.

The information below demonstrates how choosing different deductibles and can influence Dodge Journey insurance costs for each different age category. The rates are based on a married female driver, comprehensive and collision coverage, and no discounts are factored in.

Smart Buyers Save on Insurance

Lots of factors are taken into consideration when you get your auto insurance bill. Some are obvious like a motor vehicle report, but other criteria are less obvious such as whether you are married or how safe your car is. Consumers need to have an understanding of some of the elements that play a part in calculating the rates you pay for car insurance. If you know what determines premiums, this enables informed choices that could result in lower car insurance prices.

Do you know your comp and collision deductibles? – Physical damage protection, aka comp and collision, protects your Dodge from damage. Some examples of covered claims are colliding with a building, damage caused by hail, or theft. Comp and collision deductibles define how much you are willing to pay if you file a covered claim. The more you are required to pay out-of-pocket, the lower your rates will be.

Annual mileage and car insurance prices – Driving a lot of miles in a year’s time the more it will cost to insure it. Most companies rate vehicles based on how the vehicle is used. Autos that are left in the garage cost less to insure than vehicles that have high annual mileage. A policy that improperly rates your Journey may be costing you higher rates. It’s a smart idea to ensure your policy shows the right rating data.

Women tend to take less risk – Statistics show females are less aggressive when driving. This data doesn’t prove that men are WORSE drivers than women. They both have at-fault accidents at a similar rate, but the males tend to have more serious accidents. They also get cited for more serious violations such as reckless driving.

The example below compares Dodge Journey annual premium costs for male and female drivers. The rates are based on no tickets, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, marital status is single, and no discounts are applied to the premium.

Better prices on cars with good safety ratings – Vehicles with good safety scores get lower rates. Vehicles built for safety reduce occupant injuries and any reduction in injury severity means less money paid by your insurance company passed on to you as lower rates.

Your occupation is a factor – Careers like judges, architects, and medical professionals tend to pay higher rates than the rest of us due to high stress levels and long work days. Other careers such as professors, historians and performers generally pay rates lower than average.

Drivers with high credit save on car insurance – Having a bad credit history is a big factor in determining what you pay for car insurance. Drivers who have high credit ratings tend to be more responsible as compared to drivers with poor credit. So if your credit score can use some improvement, you may save money insuring your Dodge Journey if you improve your credit rating.

Bundle policies with the same company – Most major insurers will award a discount to people that have more than one policy, otherwise known as a multi-policy discount. The discount can add up to ten or even up to twenty percent in some cases. Even with this discount, drivers will still want to compare Dodge Journey rates in Fort Wayne to help ensure you have the lowest rates.

Being married pays dividends – Having a significant other may earn you lower rates on your policy. It may mean you are more mature and responsible and statistics prove drivers who are married file infrequent claims.

Dodge Journey insurance loss data – Insurance companies take into consideration historical loss data for every vehicle to calculate a rate that will offset any claims. Models that historically have increased losses will be charged more to insure.

The table below illustrates the collected loss data for Dodge Journey vehicles. For each insurance policy coverage type, the claim amount for all vehicles averaged together equals 100. Values that are under 100 suggest a positive loss record, while values that are above 100 point to more losses or statistically larger claims.

Lower-cost Fort Wayne car insurance rates with discounts

Car insurance is not an enjoyable expense, but you can get discounts that you may not even be aware of. A few discounts will be applied when you quote, but a few need to be asked for before you will receive the discount.

• Accident Forgiveness Coverage – This isn’t a discount exactly, but certain companies will let one accident slide without the usual rate increase so long as you are claim-free prior to the accident.
• Seat Belt Usage – Drivers who require all vehicle occupants to buckle up before driving can save up to 15% off PIP or medical payments premium.
• Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course in high school.
• Save with a New Car – Buying a new car model can be considerably cheaper due to better safety requirements for newer models.
• College Student Discount – Any of your kids who live away from home to go to college and don’t have a car could qualify for this discount.
• Own a Home – Owning your own home or condo can earn you a little savings since owning and maintaining a home means you have a higher level of financial diligence.
• Professional Memberships – Having an affiliation with a professional or civic organization could trigger savings on your policy.
• Drive Safe and Save – Safe drivers can save up to 40% or more on their Fort Wayne car insurance quote than drivers with accident claims.
• Policy Bundle Discount – If you have multiple policies with one company you could save nearly 15% which can help you find the cheapest Dodge Journey insurance in Fort Wayne.

A little disclaimer on discounts, some credits don’t apply to the whole policy. Some only apply to the price of certain insurance coverages like medical payments or collision. So even though it sounds like adding up those discounts means a free policy, companies don’t profit that way.

The information below shows the difference between Dodge Journey insurance premiums with and without discounts being applied to the rates. The rate quotes are based on a female driver, no claims or driving citations, Indiana state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, marriage, safe-driver, claim-free, and multi-policy discounts applied.

A few of the larger companies and the discounts they provide can be found below.

• Progressive discounts include homeowner, continuous coverage, online quote discount, multi-vehicle, multi-policy, and good student.
• MetLife includes discounts for defensive driver, good driver, accident-free, claim-free, and good student.
• Mercury Insurance offers discounts including anti-theft, ease of repair, multi-policy, good driver, and annual mileage.
• Nationwide may have discounts that include multi-policy, anti-theft, family plan, accident-free, and defensive driving.
• GEICO has savings for anti-theft, daytime running lights, multi-vehicle, seat belt use, and multi-policy.
• AAA policyholders can earn discounts including pay-in-full, good driver, multi-policy, good student, multi-car, and anti-theft.

When quoting, ask all companies you are considering to give you their best rates. Some discounts listed above might not be offered in Fort Wayne. If you would like to choose from a list of companies offering car insurance discounts in Fort Wayne, click here.

Local Fort Wayne insurance agents and insurance

Many people just prefer to talk to an insurance agent and that can be a smart move A nice benefit of comparing insurance prices online is that you can obtain the best rates but still work with a licensed agent. Supporting neighborhood agents is still important in Fort Wayne.

After filling out this simple form, the coverage information gets sent to local insurance agents in Fort Wayne that can provide free Fort Wayne car insurance quotes for your insurance coverage. You never need to leave your computer as quotes are delivered to you instantly. You can find lower rates and a licensed agent to work with. If for some reason you want to compare rates from a specific insurance provider, feel free to navigate to their website to submit a rate quote request.

Multiple types of car insurance agents in Fort Wayne

If you are wanting to purchase insurance from local Fort Wayne agents, there are a couple of different types of agents and how they differ in how they quote coverages. Agents can be classified as either exclusive or independent.

Independent Insurance Agencies

These type of agents often have affiliation with several companies so they have the ability to put coverage amongst many companies and help determine which has the cheapest rates. If you want to switch companies, an independent agent can move your coverage which requires no work on your part. When comparing rates, you definitely need to get quotes from several independent insurance agents to get the most accurate price comparison.

Featured below is a small list of independent agents in Fort Wayne that can possibly get you free insurance quotes.

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Exclusive Agencies

These agents normally can only provide a single company’s rates like State Farm, AAA, and Liberty Mutual. They usually cannot provide rate quotes from other companies so they have to upsell other benefits. Exclusive agents are usually well trained in insurance sales which can be an advantage.

Below are Fort Wayne exclusive insurance agents that are able to give rate quotes.

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Deciding on an insurance agent requires more thought than just the bottom line cost. Some important questions to ask are:

• Does the company have a local claim office in Fort Wayne?
• How would your car be valued if totaled?
• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
• Which insurance company do they prefer to write with?
• What is the financial rating for the quoted company?

Find cheaper rates by comparing often

Budget-conscious Dodge Journey insurance can be bought on the web and also from your neighborhood Fort Wayne agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies don’t offer rate quotes online and most of the time these small insurance companies prefer to sell through local independent agencies.

When getting Fort Wayne car insurance quotes online, make sure you don’t skimp on coverage in order to save money. In many cases, an accident victim reduced comprehensive coverage or liability limits only to regret at claim time that it was a big error on their part. Your focus should be to purchase a proper amount of coverage at the best price and still be able to protect your assets.

More detailed auto insurance information can be found at these sites:

• Side Impact Crash Tests (iihs.org)
• Who Has the Cheapest Fort Wayne Auto Insurance Rates for a Ford F-150? (FAQ)
• Who Has Cheap Auto Insurance Quotes for College Graduates in Fort Wayne? (FAQ)
• Who Has the Cheapest Car Insurance for Teachers in Fort Wayne? (FAQ)
• Who Has Affordable Car Insurance Quotes for a 20 Year Old Male in Fort Wayne? (FAQ)
• Comprehensive Coverage (Liberty Mutual)
• Older Driver Statistics (Insurance Information Institute)
• Distracted Driving Statistics (Insurance Information Institute)
• Keeping Children Safe in Crashes Video (iihs.org)