Fort Wayne Car Insurance For Less Than You're Paying Now

If you've never shopped for car insurance online, it's easy to get overwhelmed due to the large number of car insurance companies selling insurance in Fort Wayne.

It's important to compare prices periodically due to the fact that insurance rates are constantly changing. Just because you found the lowest rates last year there may be better deals available now. So forget anything you know (or think you know) about car insurance because I'm going to teach you the tricks you need to know to find lower rates on car insurance.

Finding affordable protection in Fort Wayne is not that difficult. In a nutshell, everyone who carries car insurance will be able to reduce their rates. Although Indiana consumers do need to know the way insurance companies sell online and use this information to your advantage.

Fort Wayne car insurance quote

How much can you save with discounts?

Car insurance is not cheap, but discounts can save money and there are some available that you may not know about. Larger premium reductions will be automatically applied when you purchase, but lesser-known reductions have to be asked for before being credited.

  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Good Student - Getting good grades can save 20 to 25%. This discount can apply well after school through age 25.
  • Accident Forgiveness - Certain companies allow you one accident without raising rates if you are claim-free for a certain period of time.
  • Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Senior Citizens - Older drivers may be able to get a small decrease in premiums.
  • Club Memberships - Being a member of a qualifying organization could qualify you for a break on your policy.
  • Driver Safety - Taking a defensive driving course can save you 5% or more depending on where you live.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Most cut specific coverage prices like comprehensive or collision. So when it seems like you would end up receiving a 100% discount, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.

For a list of providers who offer car insurance discounts in Indiana, follow this link.

How to Get Fort Wayne Car Insurance Comparison Quotes

Effectively comparing car insurance prices can take hours if you don't know the fastest way to get free quotes. You can waste hours talking to insurance agencies in Fort Wayne, or you could use the web to get prices fast.

Most car insurance companies belong to a marketplace that allows shoppers to submit their information once, and at least one company can give them a price. This eliminates the need for form submissions for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

The only drawback to getting quotes like this is you are unable to specify the companies you want to price. So if you prefer to choose individual companies to compare, we put together a list of companies who write car insurance in Indiana. Click to view list.

Which method you use is up to you, but be sure to compare identical quote information for each comparison quote. If you compare mixed coverages you can't possibly determine the lowest rate in Fort Wayne. Just a small difference in coverages can result in a big premium difference. Keep in mind that comparing a large number of companies helps you find the best offered rates.

How much car insurance do I need?

When it comes to choosing adequate coverage for your vehicles, there isn't really a perfect coverage plan. Your needs are not the same as everyone else's.

For example, these questions may help highlight if your insurance needs would benefit from professional advice.

  • Does my insurance cover a custom paint job?
  • Do I need to file an SR-22 for a DUI in Indiana?
  • I have good health insurance, so how much medical payments coverage do I need?
  • When does my teenage driver need to be added to my policy?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Are rental cars covered under my policy?

If you don't know the answers to these questions but you know they apply to you, you may need to chat with an insurance agent. If you don't have a local agent, fill out this quick form.

Do the work, save more money

When trying to cut insurance costs, make sure you don't sacrifice coverage to reduce premiums. Too many times, someone dropped uninsured motorist or liability limits only to regret that it was a big mistake. The aim is to purchase plenty of coverage at the best price, not the least amount of coverage.

We just presented a lot of information how to get a better price on car insurance. The most important thing to understand is the more quotes you get, the higher your chance of finding lower rates. You may even discover the best price on car insurance is with a small mutual company.

The cheapest car insurance can be sourced both online as well as from independent agents in Fort Wayne, and you need to price shop both in order to have the best price selection to choose from. A few companies don't offer online quoting and many times these regional insurance providers only sell through independent insurance agents.