If you want to save money, the best way to get affordable auto insurance rates in Fort Wayne is to compare prices at least once a year from insurers in Indiana. This can be done by following these steps.
- Try to learn about how companies price auto insurance and the modifications you can make to drop your rates. Many policy risk factors that cause high rates such as accidents, careless driving, and a poor credit rating can be rectified by paying attention to minor details. Keep reading for instructions to help reduce prices and get additional discounts that may be available.
- Compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from a single company like GEICO or Allstate, while independent agencies can quote prices from multiple insurance companies.
- Compare the new quotes to the premium of your current policy and see if you can save money. If you can save some money and decide to switch, make sure there is no coverage gap between policies.
An important note is to use similar limits and deductibles on each price quote and and to get price estimates from all possible companies. This ensures a fair rate comparison and the best rate selection.
A recent insurance study discovered that the vast majority of drivers renewed their policy with the same company for at least four years, and nearly half have never compared rates with other companies. Most drivers in Indiana could save nearly $700 a year by just shopping around, but they just don’t understand the rate savings if they just switched companies.
The following companies provide free quotes in Fort Wayne, IN. If your goal is to find the best cheap auto insurance in Fort Wayne, we recommend you click on several of them to get the most competitive price.
Car insurance statistics for a Ford Flex
The data table shown below outlines estimates of insurance coverage prices for Ford Flex models. Having a good grasp of how prices are determined can help guide drivers when making smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Flex SE 2WD | $240 | $420 | $340 | $20 | $102 | $1,122 | $94 |
| Flex SEL 2WD | $240 | $496 | $340 | $20 | $102 | $1,198 | $100 |
| Flex SEL AWD | $268 | $496 | $340 | $20 | $102 | $1,226 | $102 |
| Flex Limited 2WD | $268 | $496 | $340 | $20 | $102 | $1,226 | $102 |
| Flex Limited AWD | $268 | $496 | $340 | $20 | $102 | $1,226 | $102 |
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Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Rate quotes do not factor in Fort Wayne location which can increase or decrease coverage rates noticeably.
Car insurance rates are higher with tickets and accidents
The chart below highlights how traffic violations and at-fault collisions impact Ford Flex insurance costs for each age group. The data is based on a single female driver, comp and collision included, $100 deductibles, and no discounts are factored in.
Full coverage or liability only
The example below illustrates the difference between Ford Flex premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The price estimates are based on no claims, a clean driving record, $250 deductibles, single marital status, and no discounts are factored in.
When to switch to liability coverage only
There is no set guideline to stop paying for full coverage, but there is a guideline you can consider. If the annual cost of coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.
For example, let’s pretend your Ford Flex book value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $7,000 after you pay the deductible. If it’s costing you more than $700 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.
There are some cases where eliminating full coverage is not a good idea. 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 in case of an accident, you should not drop full coverage.
Insurance is unique, just like you
Keep in mind that when it comes to choosing proper insurance coverage for your personal vehicles, there really isn’t a best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply.
For example, these questions may help highlight if you might need professional guidance.
- What is UM/UIM insurance?
- When would I need additional glass coverage?
- How much will a speeding ticket raise my rates?
- Is water damage covered by my policy?
- Do all my vehicles need collision coverage?
- Are split liability limits better than a combined single limit?
- Do I need to file an SR-22 for a DUI in Indiana?
- What does roadside assistance cover?
- How do I buy GAP insurance?
If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.
Compare prices but buy from a local Fort Wayne insurance agency
A small number of people just want to get advice from a local agent and that is OK! Professional insurance agents will help you protect your assets and help you file claims. The best thing about comparing rates online is the fact that drivers can get better rates and still choose a local agent. Supporting neighborhood insurance agencies is important particularly in Fort Wayne.
For easy comparison, once you complete this form (opens in new window), the coverage information is sent to local insurance agents in Fort Wayne who can give free rate quotes for your auto insurance coverage. There is no need to leave your house because quoted prices will be sent immediately to you. If you have a need to get a price quote from a specific insurance company, just navigate to their website and complete a quote there.
When looking for a good Fort Wayne insurance agent, it’s helpful to know the different types of agencies and how they operate. Auto insurance agents in Fort Wayne are either independent agents or exclusive agents. Either one can sell auto insurance policies, but it’s a good idea to understand the differences since it can impact the selection process.
Independent Auto Insurance Agencies or Brokers
Agents that choose to be independent can sell policies from many different companies so as a result can place your coverage amongst many companies and find the cheapest rate. If prices rise, the agent simply finds a different carrier without you having to go to a different agency. When comparing auto insurance rates, we highly recommend that you get quotes from several independent insurance agents to have the most options to choose from.
Featured below is a list of independent agents in Fort Wayne that may be able to give you cheap rate quotes.
Luttman Insurance
707 Airport North Office Park – Fort Wayne, IN 46825 – (260) 482-6700 – View Map
Mathews Insurance Agency, Inc.
807 Lincoln Hwy W – New Haven, IN 46774 – (260) 749-9696 – View Map
Traxler Insurance Agency
10729 Coldwater Rd #100 – Fort Wayne, IN 46845 – (260) 494-9035 – View Map
Exclusive Insurance Agents
Agents in the exclusive channel can only place business with one company like AAA, Allstate, State Farm, or Farmers Insurance. They are unable to shop your coverage around so they are skilled at selling on more than just price. These agents are trained well on their company’s products which helps offset the inability to provide other markets.
Shown below is a list of exclusive insurance agencies in Fort Wayne willing to provide price quotes.
Allstate Insurance: Paul Michaylo
2416 Getz Rd – Fort Wayne, IN 46804 – (260) 459-1700 – View Map
Sam Till Jr – State Farm Insurance Agent
615 Goshen Ave – Fort Wayne, IN 46808 – (260) 482-9623 – View Map
Farmers Insurance – Larry Elliott
7529 W Jefferson Blvd – Fort Wayne, IN 46804 – (260) 434-1952 – View Map
Selecting an insurance agency requires you to look at more than just the price. Below are some questions you should ask.
- Will the company cover a rental car if your car is getting fixed?
- Does the quote include credit and driving reports?
- How often do they review coverages?
- Do they write coverage based solely on cost?
- Does the agency have a positive business rating?
- Is the coverage adequate for your vehicle?
- Will they give you a referral list?
- What kind of financial rating does the company have?
Once you have received good responses to your questions in addition to an acceptable price estimate, most likely you have located an insurance agency that can be trusted to service your policy.