Inconceivable but true, over 70% of drivers have been with the same company for a minimum of four years, and 38% of drivers have never compared insurance rates at all. Many consumers in Indiana can cut their rates by $697 a year just by shopping around, but they don’t want to take the time to compare rates.
The most effective way to get more affordable Jaguar XK insurance is to start comparing prices regularly from companies who provide car insurance in Fort Wayne.
Step 1: Try to learn a little about how insurance companies determine prices and the changes you can make to keep rates down. Many factors that are responsible for high rates such as traffic citations, accidents, and poor credit history can be improved by making minor changes in your lifestyle.
Step 2: Compare rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only quote rates from a single company like GEICO and State Farm, while agents who are independent can provide price quotes from multiple sources. Find a Fort Wayne insurance agent
Step 3: Compare the new rate quotes to your existing rates to see if cheaper XK coverage is available. If you find a lower rate quote, ensure coverage does not lapse between policies.
Step 4: Notify your agent or company of your intention to cancel your current coverage. Submit the application along with any required down payment to your new insurance company. Immediately upon receiving it, put the new certificate verifying proof of insurance along with the vehicle’s registration papers.
One thing to remember is that you’ll want to make sure you compare identical coverages on each price quote and and to get rate quotes from as many companies as possible. This ensures an accurate price comparison and many rates to choose from.
If you already have coverage or are just looking to switch companies, use these tips to cut your premiums without having to cut coverage. Comparison shopping for the most affordable protection in Fort Wayne is not as confusing as people think. Shoppers just need to understand the most time-saving way to buy car insurance online from multiple companies.
How to get free Jaguar XK insurance quotes online
Most of the larger companies such as State Farm, Allstate and GEICO allow consumers to get prices from their websites. Getting online quotes for Jaguar XK insurance in Fort Wayne is fairly straightforward as you just type in your personal and coverage information as requested by the quote form. After the form is submitted, their quoting system sends out for information on your driving record and credit history and returns pricing information.
Quoting online for Jaguar XK insurance in Fort Wayne makes comparing rates easy, and it’s necessary to do this in order to get cheap rates.
To find out how much you can save on auto insurance, consider comparing rates from the companies shown below. If you have coverage now, it’s recommended you input the limits and deductibles identical to your current policy. This makes sure you will have rate comparison quotes for the exact same coverage.
The following companies are ready to provide free quotes in Indiana. If multiple companies are listed, we recommend you click on several of them to get a more complete price comparison.
Jaguar XK detailed coverage information
The coverage information displayed below highlights detailed analysis of insurance coverage prices for Jaguar XK models. Having insight into how insurance policy rates are calculated can be valuable when making smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XK Portfolio 2-Dr Coupe | $342 | $854 | $310 | $18 | $92 | $1,616 | $135 |
| XK 2-Dr Coupe | $342 | $854 | $310 | $18 | $92 | $1,616 | $135 |
| XK Portfolio 2-Dr Convertible | $370 | $782 | $364 | $22 | $110 | $1,648 | $137 |
| XK 2-Dr Convertible | $370 | $782 | $364 | $22 | $110 | $1,648 | $137 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Information does not factor in specific location which can lower or raise price quotes considerably.
Can higher deductibles save money?
One common question asked by Fort Wayne drivers is which comprehensive and collision deductibles to buy. The rates shown below approximate how much more you’ll pay between low and high coverage deductibles. The first rate quote example uses a $100 physical damage deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XK Portfolio 2-Dr Coupe | $398 | $902 | $238 | $14 | $72 | $1,649 | $137 |
| XK 2-Dr Coupe | $398 | $902 | $238 | $14 | $72 | $1,649 | $137 |
| XK Portfolio 2-Dr Convertible | $428 | $826 | $280 | $16 | $84 | $1,659 | $138 |
| XK 2-Dr Convertible | $428 | $826 | $280 | $16 | $84 | $1,659 | $138 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XK Portfolio 2-Dr Coupe | $220 | $476 | $238 | $14 | $72 | $1,020 | $85 |
| XK 2-Dr Coupe | $220 | $476 | $238 | $14 | $72 | $1,020 | $85 |
| XK Portfolio 2-Dr Convertible | $238 | $434 | $280 | $16 | $84 | $1,052 | $88 |
| XK 2-Dr Convertible | $238 | $434 | $280 | $16 | $84 | $1,052 | $88 |
| Get Your Own Custom Quote Go | |||||||
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. Price estimates do not factor in the specific area where the vehicle is garaged which can alter premium rates considerably.
We can estimate from the data above that using a $100 deductible could cost the average driver approximately $51 more each month or $612 a year than buying the higher $1,000 deductible. Because you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you normally go at least 18 months between claim filings, you would come out ahead if you decide on a higher deductible. The numbers below show the way you can make your own decision.
| Average monthly premium for $100 deductibles: | $138 |
| Average monthly premium for $1,000 deductibles (subtract): | – $87 |
| Monthly savings from raising deductible: | $51 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $51 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 18 months |
One important note is that higher deductibles means you will have to pay more if you have a claim. That will necessitate some extra savings in the event you have to pay the deductible for vehicle repair.
Auto insurance rates by gender and age in Fort Wayne
The chart below visualizes the comparison of Jaguar XK yearly insurance costs for male and female drivers. The rate quotes are based on no claims or driving violations, comp and collision included, $500 deductibles, single marital status, and no other discounts are factored in.
Jaguar XK liability-only versus full coverage
The diagram below shows the difference between Jaguar XK insurance prices when comparing full coverage to liability only. The rates are based on no tickets, no at-fault accidents, $500 deductibles, single marital status, and no additional discounts are factored in.
When to stop buying comprehensive and collision coverage
There is no clear-cut formula for phasing out comp and collision coverage, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost minus the deductible, then it might be time to buy liability only.
For example, let’s say your Jaguar XK claim settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $7,000 after you pay the deductible. If you are paying in excess of $700 a year for comprehensive and collision coverage, then it might be time to buy liability only.
There are a few cases where eliminating full coverage is not in your best interest. If you still have a loan on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not consider dropping full coverage.
Auto insurance agents can help
Certain consumers would rather sit down with an agent. Agents are trained risk managers and help file insurance claims. A nice benefit of comparing insurance prices online is that you can find lower premium rates but also keep your business local. And supporting neighborhood insurance agencies is definitely important in Fort Wayne.
After filling out this form (opens in new window), the coverage information is instantly submitted to participating agents in Fort Wayne who can give free rate quotes for your insurance coverage. You never need to drive around because quoted prices will be sent directly to your email. If you have a need to get a price quote from one company in particular, feel free to navigate to their website and fill out their quote form.
Choose an insurance agent wisely
If you are searching for a local agent, it’s important to understand the different types of agents that differ in how they can insure your vehicles. Insurance agencies in Fort Wayne are either independent agents or exclusive agents. Either type can provide car insurance policies, but it’s important to point out how they are different since it could factor into the kind of agent you use.
Independent Agents (or Brokers)
Agents in the independent channel can quote rates with many companies so they can insure your vehicles through many different car insurance companies and help determine which has the cheapest rates. If your agent finds better pricing, the agent simply finds a different carrier without you having to go to a different agency.
When comparing car insurance prices, you should always get several quotes from several independent insurance agents for maximum quote selection. Most have the option of insuring with smaller mutual companies which may have better rates.
Featured below are Fort Wayne independent insurance agencies that can give you pricing information.
- PMG Agency
3711 Rupp Dr #103 – Fort Wayne, IN 46835 – (260) 436-9669 – View Map - 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
Exclusive Insurance Agencies
Exclusive agents can only quote rates from one company such as Allstate, Farmers Insurance, State Farm, and AAA. These agents are not able to compare rates from other companies so they have no alternatives for high prices. Exclusive agents are trained well on what they offer which helps overcome the inability to quote other rates. Drivers often buy from exclusive agents mainly due to high brand loyalty rather than low price.
Below is a short list of exclusive agents in Fort Wayne that can give you price quote information.
- Farmers Insurance – Adrian Hernandez
3474 Stellhorn Rd – Fort Wayne, IN 46815 – (260) 485-0122 – View Map - Kent Paul – State Farm Insurance Agent
1505 W Dupont Rd – Fort Wayne, IN 46825 – (260) 478-2222 – View Map - Farmers Insurance – Shea Smith
1104 W State Blvd – Fort Wayne, IN 46808 – (260) 420-2000 – View Map
Choosing a car insurance agent requires you to look at more than just the price. Here are some questions you might want to ask.
- What kind of financial rating does the company have?
- Will a damage claim use OEM or aftermarket replacement parts?
- Which companies do they recommend if they are an independent agency?
- Do they have cheaper tiers of coverage?
- Is every driver in your family covered?
- Do they get extra compensation for selling add-on coverages?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- How often do they review policy coverages?
Best car insurance company in Fort Wayne
Insuring your vehicle with the best company can be challenging considering how many different insurance companies sell coverage in Fort Wayne. The company ratings shown next could help you select which insurers to look at when shopping around.
Top 10 Fort Wayne Car Insurance Companies Ranked by Value
- USAA
- GEICO
- AAA Insurance
- Erie Insurance
- State Farm
- Liberty Mutual
- Safeco Insurance
- Allstate
- 21st Century
- Travelers
Top 10 Fort Wayne Car Insurance Companies Overall
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family