The best way we recommend to get discount car insurance rates in Fort Wayne is to start comparing prices yearly from insurers that insure vehicles in Indiana.
- Read about how your policy works and the changes you can make to drop your rates. Many policy risk factors that cause rate increases like your driving record and a negative credit score can be eliminated by making minor changes in your lifestyle. This article gives more ideas to help keep prices low and earn a bigger discount.
- Compare price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO and Allstate, while agents who are independent can provide prices from multiple companies.
- Compare the new rate quotes to your existing rates and see if there is a cheaper rate. If you find a lower rate, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Tell your current company of your intent to cancel the current policy and submit the required down payment along with the signed application for your new policy. Once coverage is bound, place the new certificate verifying proof of insurance along with your vehicle registration.
The key aspect of shopping around is to compare similar deductibles and liability limits on every quote and and to get rate quotes from every insurance company. Doing this enables an accurate price comparison and a better comparison of the market.
It’s well known that insurance companies want to prevent you from shopping around. Consumers who shop around annually will most likely buy a new policy because there is a significant possibility of finding a cheaper policy. A recent survey found that people who routinely shopped around saved over $860 a year compared to people who never shopped around for cheaper prices.
If finding the cheapest price for insurance is the reason for your visit, then having a good understanding the best way to quote and compare insurance rates can help simplify the task of finding more affordable coverage.
Affordable auto insurance in Fort Wayne, IN
The auto insurance companies shown below are ready to provide free quotes in Fort Wayne, IN. If multiple companies are listed, we recommend you compare several of them in order to find the lowest rates.
Detailed insurance information
The premium table displayed next showcases different insurance costs for Hyundai Azera models. Having a better understanding of how auto insurance prices are established can help you make informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Azera GLS 4-Dr Sedan | $202 | $348 | $368 | $22 | $110 | $1,050 | $88 |
| Azera Limited 4-Dr Sedan | $226 | $348 | $368 | $22 | $110 | $1,074 | $90 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Premium costs do not factor in garaging location in Fort Wayne which can impact price quotes considerably.
The information below illustrates how your deductible choice and can impact Hyundai Azera insurance prices for different categories of driver ages. The rate quotes are based on a single female driver, full physical damage coverage, and no discounts are applied to the premium.
Hyundai Azera insurance rates: Men versus women
The diagram below shows the difference between Hyundai Azera annual premium costs for male and female drivers. The costs are based on no claims, a clean driving record, full physical damage coverage, $100 deductibles, single status, and no discounts are applied to the premium.
Rate difference between full and liability-only coverage
The diagram below illustrates the comparison of Hyundai Azera insurance rates with and without physical damage coverage. The data assumes no driving violations, no at-fault accidents, $100 deductibles, single marital status, and no discounts are factored in.
Should you be buying full coverage?
There is no clear-cut rule for excluding full coverage, but there is a general convention. If the annual cost of coverage is about 10% or more of replacement cost minus your deductible, then you may need to consider dropping full coverage.
For example, let’s say your Hyundai Azera settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company will settle for is $5,000 after you pay the deductible. If premium cost is more than $500 annually for your policy with full coverage, then you might want to think about dropping full coverage.
There are some scenarios where dropping full coverage is not financially feasible. If you haven’t satisfied your loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should not buy liability only.
Discounts for lower-cost auto insurance quotes
Some insurance providers don’t list their entire list of discounts in a way that’s easy to find, so the following list contains a few of the more well known and the harder-to-find credits available to you.
- Drive Less and Save – Low annual miles may enable drivers to earn substantially lower premium rates.
- Discounts for Responsible Drivers – Accident-free drivers can save up to 40% or more on their Fort Wayne car insurance quote compared to rates paid by drivers with frequent claims.
- Home Ownership Discount – Just owning your own home can help you save on auto insurance since home ownership shows financial diligence.
- Active Service Discounts – Having an actively deployed family member may lower your premium rates slightly.
- ABS Brakes – Cars with ABS and/or traction control are much safer to drive so companies give up to a 10% discount.
- Safety Course Discount – Taking a defensive driver class could earn you a small percentage discount and easily recoup the cost of the course.
- Life Insurance Discount – Some insurance companies give better prices if you take out a life insurance policy as well.
- Multi-Vehicle Discounts – Purchasing coverage when you have primary and secondary vehicles with the same auto insurance company can get a discount for every vehicle.
It’s important to note that most discount credits are not given to the entire policy premium. The majority will only reduce the cost of specific coverages such as comp or med pay. So when it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way. Any amount of discount should help reduce your policy premiums.
The information below illustrates the difference between Hyundai Azera insurance costs with and without discounts applied. The premiums assume a female driver, a clean driving record, no claims, Indiana state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, marriage, multi-car, homeowner, and safe-driver discounts applied.
Companies and a selection of discounts are included below.
- Farm Bureau offers premium reductions for 55 and retired, youthful driver, renewal discount, multi-vehicle, multi-policy, driver training, and safe driver.
- MetLife may have discounts that include good driver, multi-policy, claim-free, defensive driver, accident-free, good student
- Progressive offers discounts for homeowner, good student, online signing, online quote discount, continuous coverage, and multi-policy.
- AAA may include discounts for pay-in-full, good driver, multi-policy, anti-theft, education and occupation, and good student.
- American Family policyholders can earn discounts including Steer into Savings, bundled insurance, air bags, mySafetyValet, early bird, good student, and defensive driver.
- GEICO offers discounts including membership and employees, anti-theft, seat belt use, daytime running lights, military active duty, defensive driver, and multi-vehicle.
- State Farm has savings for good student, good driver, defensive driving training, Drive Safe & Save, Steer Clear safe driver discount, passive restraint, and multiple policy.
If you need affordable Fort Wayne car insurance quotes, ask every prospective company how you can save money. Some credits might not apply in Fort Wayne. To choose insurance companies that have a full spectrum of discounts in Fort Wayne, click here to view.
Do I just need basic coverages?
When quoting and comparing coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.
For example, these questions can aid in determining whether your personal situation could use an agent’s help.
- When should I drop full coverage on my Hyundai Azera?
- What is GAP insurance?
- Does my car insurance cover rental cars?
- I have good health insurance, so how much medical payments coverage do I need?
- Do I need roadside assistance coverage?
- Is there coverage for my trailer?
- If my pet gets injured in an accident are they covered?
If you can’t answer these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can provide invaluable advice.
When to get advice from an insurance agency
Some consumers just want to talk to a local agent and often times that is recommended Agents are highly skilled in risk management and will help you if you have claims. One of the best bonuses of getting free rate quotes online is you may find lower rates and still choose a local agent. And providing support for local agents is important especially in Fort Wayne.
To find an agent, once you fill out this short form, the quote information is submitted to agents in your area who will give you quotes for your business. There is no reason to find an agent on your own because quoted prices will be sent straight to your inbox. If you wish to compare rates from a particular provider, just visit that company’s website and fill out the quote form the provide.
When looking for a local Fort Wayne insurance agency, there are a couple of different types of agents and how they can write your policy. Insurance agencies in Fort Wayne are considered either exclusive or independent agents depending on their company appointments. Both sell car insurance policies, but we need to point out the differences since it could factor into which agent you choose.
Independent Car Insurance Agents
Agents that elect to be independent are not employed by one company so they can quote policies with multiple insurance companies and get the cheapest rates. To move your coverage to a new company, your agent can switch companies which is easy for the insured. When comparing car insurance prices, you definitely need to get quotes from at least one independent agent so that you have a good selection of quotes to compare.
Listed below is a small list of independent agencies in Fort Wayne who may provide free rate quotes.
Imel Insurance
2700 Lower Huntington Rd – Fort Wayne, IN 46809 – (260) 747-6186 – View Map
Hupe Insurance Services
7011 Stellhorn Rd – Fort Wayne, IN 46815 – (800) 701-5909 – View Map
Schultheis Agency Insurance
1910 St Joe Center Rd – Fort Wayne, IN 46825 – (260) 480-0208 – View Map
Exclusive Car Insurance Agents
Agents of this type write business for a single company and examples are State Farm, AAA, Farmers Insurance or Allstate. They usually cannot compare other company’s rates so they have to upsell other benefits. Exclusive agencies are trained well on their company’s products and that allows them to sell at a higher price point.
The following is a short list of exclusive insurance agencies in Fort Wayne that are able to give comparison quotes.
Scott Robinson – State Farm Insurance Agent
4705 Illinois Rd Ste 100 – Fort Wayne, IN 46804 – (260) 744-3218 – View Map
John Hayes – State Farm Insurance Agent
6407 Stellhorn Rd – Fort Wayne, IN 46815 – (260) 486-4711 – View Map
American Family Insurance – Janie Laboube Agency Inc.
2810 Beaver Ave – Fort Wayne, IN 46807 – (260) 744-9798 – View Map
Selecting an auto insurance agent should depend on more than just the quoted price. Any good agent in Fort Wayne should know the answers to these questions.
- What is the agency’s Better Business Bureau rating?
- Do they have any clout with companies to ensure a fair claim settlement?
- Who is covered by the car insurance policy?
- Can they provide you with a list of referrals?
- Which company do they place the most coverage with?
- If you raise deductibles, how much can you save?
- Are they involved in claim handling?
Quote more and you will save more
Cheaper car insurance in Fort Wayne is available from both online companies as well as from insurance agents, so you need to quote Fort Wayne car insurance with both to get a complete price analysis. Some companies do not offer the ability to get a quote online and many times these regional carriers sell through independent agencies.
We’ve covered quite a bit of information on how to compare Hyundai Azera insurance auto insurance rates in Fort Wayne. The key concept to understand is the more quotes you get, the better your comparison will be. Consumers may even find the lowest auto insurance rates come from a small local company.
Drivers who switch companies do it for any number of reasons including policy non-renewal, poor customer service, being labeled a high risk driver and even lack of trust in their agent. It doesn’t matter why you want to switch choosing a new insurance company is less work than it seems.
To learn more, feel free to visit these articles:
- A Tree Fell on Your Car: Now What? (Allstate)
- Who Has the Cheapest Fort Wayne Auto Insurance Rates for a Ford F-150? (FAQ)
- Who Has Affordable Auto Insurance for 16 Year Olds in Fort Wayne? (FAQ)
- Steps to Take After an Auto Accident (Insurance Information Institute)
- Liability Insurance Coverage (Nationwide)
- How to shop for a safer car (Insurance Institute for Highway Safety)