Do you want to stop overpaying and find the cheapest auto insurance rates in Fort Wayne, IN? Fort Wayne consumers have lots of choices when looking for the best price on Jeep Liberty insurance. They can either waste time driving around trying to get quotes or save time using the internet to make rate comparisons. There are both good and bad ways to buy auto insurance so you’re going to learn the absolute fastest way to price shop coverage for a new or used Jeep and locate the best price possible either online or from Fort Wayne insurance agents.
You should take the time to do price comparisons occasionally because auto insurance rates change frequently. Just because you had the best deal on Jeep Liberty insurance in Fort Wayne at your last renewal a different company probably has better prices today. Don’t believe everything you read about Liberty insurance out there, but in this article, you’re going to get some proven techniques to reduce your auto insurance bill.
Locating the most cost-effective insurance policy in Fort Wayne is actually not that difficult if you follow our advice. If you have coverage now, you will surely be able to find the best rates using the techniques covered below. You only need an understanding of the tricks to get comparison rates from many different companies.
Finding cheap Fort Wayne auto insurance rates is not rocket science. The only thing you need to do is take the time getting comparison quotes online with multiple companies.
The companies in the list below are our best choices to provide comparison quotes in Indiana. If your goal is to find the best cheap car insurance in Fort Wayne, we recommend you visit several of them in order to get a fair rate comparison.
Rates and data analysis
The information shown below highlights different policy rates for Jeep Liberty models. Knowing how policy premiums are calculated is important for you to make smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Liberty Sport 2WD | $100 | $186 | $294 | $18 | $88 | $686 | $57 |
| Liberty Limited 2WD | $116 | $186 | $294 | $18 | $88 | $702 | $59 |
| Liberty Renegade 4WD | $116 | $186 | $294 | $18 | $88 | $702 | $59 |
| Liberty Sport 4WD | $116 | $186 | $294 | $18 | $88 | $702 | $59 |
| Liberty Limited 4WD | $116 | $226 | $294 | $18 | $88 | $742 | $62 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Rates do not factor in specific garaging location which can modify insurance rates noticeably.
Policy deductible comparison
A question often asked by Fort Wayne drivers is how high should your deductibles be. The comparisons below lay out the costs and benefits between high and low physical damage deductibles. The first rate estimation uses a $100 deductible and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Liberty Sport 2WD | $210 | $358 | $280 | $16 | $84 | $973 | $81 |
| Liberty Limited 2WD | $242 | $358 | $280 | $16 | $84 | $1,005 | $84 |
| Liberty Renegade 4WD | $242 | $358 | $280 | $16 | $84 | $1,005 | $84 |
| Liberty Sport 4WD | $242 | $358 | $280 | $16 | $84 | $1,005 | $84 |
| Liberty Limited 4WD | $242 | $436 | $280 | $16 | $84 | $1,083 | $90 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Liberty Sport 2WD | $116 | $188 | $280 | $16 | $84 | $684 | $57 |
| Liberty Limited 2WD | $134 | $188 | $280 | $16 | $84 | $702 | $59 |
| Liberty Renegade 4WD | $134 | $188 | $280 | $16 | $84 | $702 | $59 |
| Liberty Sport 4WD | $134 | $188 | $280 | $16 | $84 | $702 | $59 |
| Liberty Limited 4WD | $134 | $230 | $280 | $16 | $84 | $744 | $62 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Rate information does not factor in garaging location in Fort Wayne which can revise coverage prices greatly.
Based on this data, using a $100 deductible will cost you about $26 more each month or $312 for a full year averaged for all Liberty models than opting for the higher $1,000 deductible. Because you would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 35 months between claim filings, you would more than likely save some money by selecting a higher deductible. The illustration below shows how we made this calculation.
| Average monthly premium for $100 deductibles: | $85 |
| Average monthly premium for $1,000 deductibles (subtract): | – $59 |
| Monthly savings from raising deductible: | $26 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $26 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 35 months |
Impact of careless driving on car insurance rates
The chart below highlights how traffic violations and at-fault collisions can drive up Jeep Liberty yearly insurance costs for each age group. The data assumes a married male driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.
Male drivers compared to female drivers
The illustration below illustrates the difference between Jeep Liberty insurance premiums for male and female drivers. The data is based on no violations or accidents, full physical damage coverage, $100 deductibles, marital status is single, and no additional discounts are factored in.
When to have guidance from a local insurance agent
A lot of people still prefer to talk to an insurance agent and that is OK! Professional agents are highly skilled in risk management and help submit paperwork. The biggest benefit of getting free rate quotes online is that you can obtain the best rates and also buy local.
After completing this quick form, the coverage information gets sent to agents in your area that can provide free Fort Wayne auto insurance quotes and help you find cheaper coverage. You don’t have to drive around as quotes are delivered directly to you. If for some reason you want to get a comparison quote from a particular provider, feel free to visit that company’s website to submit a rate quote request.
Picking an insurer is decision based upon more than just a low price. These are some questions you should get answers to.
- Do they specialize in personal lines auto insurance in Fort Wayne?
- Are they actively involved in the community?
- What will you get paid if your car is a total loss? How is that amount determined?
- Is the agent CPCU or CIC certified?
- Is coverage determined by price?
Listed below are agents in Fort Wayne that may be willing to give comparison quotes for Jeep Liberty insurance in Fort Wayne.
- The DeHayes Group
5150 W Jefferson Blvd – Fort Wayne, IN 46804 – (260) 424-5600 – View Map - Hupe Insurance Services
7011 Stellhorn Rd – Fort Wayne, IN 46815 – (800) 701-5909 – View Map - Jackson Insurance Agency
809 S Calhoun St #308 – Fort Wayne, IN 46802 – (260) 434-0352 – View Map - Farmers Insurance – Shea Smith
1104 W State Blvd – Fort Wayne, IN 46808 – (260) 420-2000 – View Map
If you receive good responses to these questions and locked in a price quote, you’ve probably found an insurer that meets the criteria to provide auto insurance coverage.
How to find a good Indiana auto insurance company
Finding a good quality company can be rather challenging considering how many different companies sell coverage in Fort Wayne. The information shown next can help you analyze which auto insurance companies to look at when comparing rate quotes.
Top 10 Fort Wayne Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 92%
- Erie Insurance – 88%
- American Family – 88%
- State Farm – 88%
- Nationwide – 88%
- 21st Century – 88%
- AAA Insurance – 87%
- Liberty Mutual – 87%
- Farmers Insurance – 87%
- The Hartford – 87%
Top 10 Fort Wayne Car Insurance Companies Ranked by Claims Service
- Progressive
- Travelers
- Liberty Mutual
- Nationwide
- USAA
- GEICO
- AAA Insurance
- Safeco Insurance
- Esurance
- The General