Save Money on Jeep Wrangler Insurance in Fort Wayne

If saving the most money is your goal, then the best way to get discount auto insurance rates is to compare prices once a year from companies in Fort Wayne. Price quotes can be compared by following these guidelines.

First, gain an understanding of car insurance and the changes you can make to keep rates in check. Many rating factors that increase rates such as traffic tickets, fender benders, and an imperfect credit history can be rectified by making lifestyle changes or driving safer. Continue reading for the details to help keep prices low and find hidden discounts.

Second, get rate quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from a single company like GEICO and State Farm, while independent agents can quote prices from multiple sources.

Third, compare the new rate quotes to your existing coverage to see if cheaper Wrangler coverage is available. If you can save some money, verify that coverage does not lapse between policies.

The key aspect of shopping around is that you’ll want to compare the same coverage limits and deductibles on every quote request and and to look at as many carriers as you can. Doing this ensures a fair price comparison and many rates to choose from.

Astonishing but true, about 70% of customers have stayed with the same insurance company for four years or more, and practically 40% of car insurance customers have never compared rates from other carriers. U.S. consumers could save themselves approximately 46.5% a year just by shopping around, but they don’t understand how simple it is to find cheaper car insurance rates.

If you are insured now or are looking for a new policy, use these tips to find the best rates without reducing coverage. This article will introduce you to how insurance works and some tips to save money. Smart buyers just need to understand the most efficient way to quote multiple rates over the internet.

Low Cost companies for Jeep Wrangler insurance

The auto insurance companies shown below are ready to provide comparison quotes in Fort Wayne, IN. If multiple companies are listed, we recommend you get rate quotes from several of them to get a more complete price comparison.

Jeep Wrangler coverage analysis

The premium table displayed below covers detailed analysis of insurance policy prices for Jeep Wrangler models. Having a better idea how insurance prices are formulated helps drivers make informed decisions when comparing rates.

Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Premium amounts do not factor in the specific area where the vehicle is garaged which can decrease or increase premiums substantially.

An analysis of deductible level

One frequently asked question is which deductible level should you buy. The figures shown below may help to conceptualize the costs and benefits when you select higher and lower insurance deductibles. The first set of rates uses a $250 physical damage deductible and the second rate chart uses a $500 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Rate quotes do not factor in your specific Fort Wayne location which can affect price quotes significantly.

Using the premium rates above, we can conclude that using a $250 deductible will cost you roughly $9 more each month or $108 a year than buying the higher $500 deductible. Due to the fact that you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you average at least 28 months between claims, you would more than likely save some money by selecting a higher deductible.

The illustration below illustrates how choosing a deductible and can impact Jeep Wrangler insurance costs for different insured age categories. The premiums are based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Quote Jeep Wrangler Insurance for Less

Many things are used when pricing auto insurance. Some are obvious such as your driving history, but other criteria are more transparent like where you live and annual miles driven.

The following are a partial list of the pieces car insurance companies consider when setting prices.

• Cheaper to insure females? – Statistics have proven that females take fewer risks when driving. Now that doesn’t mean females are better at driving than males. Males and females tend to get into fender benders in similar percentages, but guys have costlier accidents. Men also receive more costly citations like reckless driving and DUI.

  The illustration below illustrates the comparison of Jeep Wrangler car insurance rates for male and female drivers. The costs are based on no accidents or driving violations, comprehensive and collision coverage, $1,000 deductibles, single status, and no other discounts are factored in.

• More traffic equals higher costs – Being located in less populated areas of the country is a good thing when insuring your vehicles. Drivers in populated areas regularly have more auto accidents and longer commutes to work. Less people means less chance of accidents in addition to lower liability claims.
• Married drivers get better rates – Your spouse can actually save you money on your policy. Having a significant other is viewed as being more mature and statistics show drivers who are married are more cautious.
• Pay more of a claim out-of-pocket – Physical damage coverage, also called comprehensive and collision insurance, is used to repair damage to your vehicle. Some examples of covered claims are running into the backend of another car, vandalism, and windstorm damage. Comp and collision deductibles are how much you are required to spend if you file a covered claim. The more damage repair cost you pay before a claim is paid (deductible), the better rate you will receive.
• Advanced alarm systems – Selecting a car model with a theft deterrent system can help bring down rates. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent car theft.
• Extra coverages you don’t use – There are many additional extra coverages that may not really be needed if you aren’t careful. Add-on coverages like rental car coverage, accident forgiveness, and extra equipment coverage may be wasting your money. They may seem good initially, but your needs may have changed so eliminate them to save money.
• How much liability insurance do you need? – A critical coverage on your policy, liability insurance provides coverage when you are responsible for damages caused by your negligence. Liability insurance provides legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so buy as much as you can afford.

• Jeep Wrangler claim data – Insurers use past insurance losses as a tool for profitable underwriting. Vehicles that the statistics show to have increased losses will have a higher premium rate. The table below illustrates the collected loss data for Jeep Wrangler vehicles.

  For each coverage category, the claim amount for all vehicles compiled together is a value of 100. Percentages below 100 suggest losses that are better than average, while values that are above 100 indicate frequent claims or statistically larger losses.

  
  

  Jeep Wrangler Insurance Loss Statistics

  Vehicle Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Jeep Wrangler 2dr SWB 4WD	54	134	71	57	52	102
  Jeep Wrangler 4dr 4WD	58	151	82	66	62	120

  BETTER

  AVERAGE

  WORSE

  Statistics from IIHS.org for 2013-2015 Model Years

Car insurance discounts help lower rates for Jeep Wrangler insurance in Fort Wayne

Some insurers don’t necessarily list every discount available in a way that’s easy to find, so we researched some of the more common and the more hidden credits available to lower your premiums when you buy Fort Wayne car insurance online.

• Driver Education Discount – Have your child take driver’s ed class as it will make them better drivers and lower rates.
• Discounts for Safe Drivers – Drivers without accidents can save up to 40% or more on their Fort Wayne car insurance quote than their less cautious counterparts.
• No Charge for an Accident – Not a discount per se, but some companies like GEICO and Allstate permit an accident without getting socked with a rate hike if you have no claims for a certain period of time.
• Discount for Multiple Policies – If you can bundle your auto and home insurance and place coverage with the same company you could get a discount of up to 20% and get you the cheapest Jeep Wrangler insurance in Fort Wayne.
• Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to buckle up before driving could cut 10% or more on medical payment and PIP coverage.
• Multiple Vehicles – Buying insurance for more than one vehicle with the same car insurance company could earn a price break for each car.
• Driving Data Discount – Drivers who elect to allow companies to spy on where and when they drive by using a telematics device such as State Farm’s In-Drive could save a few bucks if they exhibit good driving behavior.
• Include Life Insurance and Save – Some insurance companies give a small discount if you purchase a life insurance policy as well.

Remember that most of the big mark downs will not be given to your bottom line cost. Some only apply to the cost of specific coverages such as liability and collision coverage. If you do the math and it seems like all the discounts add up to a free policy, it just doesn’t work that way.

The diagram below illustrates the difference between Jeep Wrangler car insurance costs with and without discounts. The price estimates are based on a male driver, no violations or claims, Indiana state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-policy, multi-car, claim-free, and homeowner discounts applied.

A few of the larger companies and the discounts they provide can be read below.

• State Farm has discounts for multiple policy, anti-theft, student away at school, driver’s education, and passive restraint.
• Progressive discounts include online quote discount, multi-vehicle, multi-policy, continuous coverage, and good student.
• Progressive offers discounts including multi-policy, online signing, good student, online quote discount, homeowner, and continuous coverage.
• MetLife may offer discounts for claim-free, defensive driver, multi-policy, accident-free, good driver, good student
• Farm Bureau may have discounts that include good student, youthful driver, 55 and retired, safe driver, renewal discount, driver training, and multi-policy.
• GEICO includes discounts for anti-theft, driver training, air bags, good student, and daytime running lights.
• SAFECO may include discounts for anti-lock brakes, teen safe driver, homeowner, teen safety rewards, anti-theft, and accident prevention training.

It’s a good idea to ask every insurance company to give you their best rates. Savings might not be offered in Fort Wayne. To see a list of companies who offer discounts in Fort Wayne, click this link.

When should I contact an agent?

Many drivers still like to talk to a local agent and that is a personal choice. Insurance agents can point out coverage gaps and help you file claims. The biggest benefit of comparing rate quotes online is that drivers can save money and get the lowest rates and still have an agent to talk to.

To help locate an agent, after submitting this simple form, your insurance data is submitted to local insurance agents who will give competitive quotes for your insurance coverage. You won’t even need to drive around since price quotes are sent to you instantly. In the event you want to get a comparison quote from a specific insurance company, you can always go to their quote page and complete a quote there.

Choosing the best company should include more criteria than just a cheap quote. Some important questions to ask are:

• If they are an independent agency in Fort Wayne, which companies do they recommend?
• Do they make recommendations based only on price?
• Is there any savings for paying the full premium?
• When do they do a full risk review?
• Does the agency have a positive business rating?

If you need to find a local insurance agency, it’s helpful to know the different agency structures and how they differ in how they quote coverages. Agents can either be independent or exclusive depending on the company they work for. Either can sell car insurance policies, but it’s worth learning how they differ since it could factor into your selection of an agent.

Exclusive Agents

Agents in the exclusive channel normally can only provide a single company’s rates such as AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents cannot provide other company’s prices so they really need to provide good service. They are highly trained on what they offer which helps them compete with independent agents. A lot of people buy from exclusive agents mostly because of the brand name rather than low rates.

The following are Fort Wayne exclusive agencies that are able to give price quote information.

• Allstate Insurance: Kevin Gwozdz
  5721 Covington Rd – Fort Wayne, IN 46804 – (260) 436-2866 – View Map
• Farmers Insurance – Larry Elliott
  7529 W Jefferson Blvd – Fort Wayne, IN 46804 – (260) 434-1952 – View Map
• Allstate Insurance: Justin Harkelroad
  8812 Coldwater Rd – Fort Wayne, IN 46825 – (260) 489-0156 – View Map

More insurance agents

Independent Car Insurance Agencies

Independent insurance agents are not limited to a single company so they can insure your vehicles with multiple insurance companies and possibly get better coverage at lower prices. If your agent finds better pricing, your agent can switch companies and you stay with the same agent.

If you are trying to find cheaper rates, you should always get insurance quotes from a couple of independent agencies to get the best comparison. Many independent agencies also insure through mutual insurance companies which could offer lower prices.

Shown below is a list of independent agencies in Fort Wayne that can give you comparison quotes.

• Stoller-Dunham Insurance Agency
  6058 E State Blvd – Fort Wayne, IN 46815 – (260) 749-4970 – View Map
• Masters Insurance Fort Wayne Indiana
  4324 Flagstaff Cove – Fort Wayne, IN 46815 – (260) 702-0945 – View Map
• Wise Insurance Agency
  7410 Bluffton Rd – Fort Wayne, IN 46809 – (260) 747-5373 – View Map

More insurance agents

Special considerations

Keep in mind that when it comes to choosing coverage, there really isn’t a best way to insure your cars. Every situation is different.

These are some specific questions might help in determining whether you might need professional guidance.

• Is water damage covered by my policy?
• What companies insure drivers after a DUI or DWI?
• How much underlying liability do I need for an umbrella policy?
• What is the difference between comprehensive and collision coverage?
• Can I cancel at any time?
• Will damage be repaired with OEM parts?
• Is a fancy paint job covered?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Affordable coverage is out there

Consumers who switch companies do it for any number of reasons including delays in responding to claim requests, policy cancellation, delays in paying claims and denial of a claim. Regardless of your reason, finding the right auto insurance provider is actually quite simple.

When buying insurance coverage, it’s a bad idea to buy less coverage just to save a little money. In many instances, an accident victim reduced physical damage coverage only to discover later that the small savings ended up costing them much more. The goal is to buy enough coverage at the best possible price while not skimping on critical coverages.

Some insurance companies may not have price quotes online and many times these smaller companies only sell coverage through independent insurance agents. Lower-priced Jeep Wrangler insurance in Fort Wayne is possible on the web and also from your neighborhood Fort Wayne agents, and you should compare price quotes from both to have the best rate selection.

Additional information can be found at these links:

• Car Insurance FAQ (Trusted Choice)
• What Auto Insurance is Cheapest for a Hyundai Sonata in Fort Wayne? (FAQ)
• How Much is Fort Wayne Auto Insurance for First-time Drivers? (FAQ)
• What Insurance is Cheapest for a Subaru Outback in Fort Wayne? (FAQ)
• How Much is Car Insurance for Drivers Requiring a SR22 in Fort Wayne? (FAQ)
• Shopping for a Safe Car (Insurance Information Institute)
• Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
• State Laws for Cellphones and Texting (iihs.org)
• Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)