We don’t have to point out that fact that car insurance companies want to prevent you from shopping around. Insureds who rate shop once a year are inclined to switch companies because there is a good chance of finding coverage at a cheaper rate. A recent survey found that drivers who compared rates annually saved about $3,500 over four years compared to other drivers who never compared rates.
If finding low prices for car insurance in Fort Wayne is the reason you’re here, then having a good understanding the best way to compare insurance rates can help simplify the process.
The best way to get more affordable car insurance rates is to compare prices once a year from companies who provide auto insurance in Fort Wayne.
- Read and learn about coverages and the factors you can control to keep rates in check. Many rating factors that are responsible for high rates like getting speeding tickets and an unfavorable credit rating can be controlled by making minor driving habit or lifestyle changes.
- Get rate quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like Progressive or Farmers Insurance, while independent agents can provide prices from multiple insurance companies. Select a company
- Compare the new rate quotes to your current policy and see if there is a cheaper rate. If you find a lower rate quote, ensure coverage does not lapse between policies.
- Provide adequate notice to your current company of your intention to cancel your current car insurance policy. Submit a completed policy application and payment for the new coverage. When you receive it, place the new proof of insurance paperwork in an easily accessible location in your vehicle.
A tip to remember is that you’ll want to compare the same physical damage deductibles and liability limits on every quote and and to get price quotes from all possible companies. This provides a fair rate comparison and the best price selection.
Finding the cheapest auto insurance coverage in Fort Wayne is easy if you know what you’re doing. If you are insured now, you will surely be able to reduce premiums using this information. Nevertheless, Indiana vehicle owners must understand the way companies determine what you pay because it can help you find the best coverage.
Best companies for Pontiac Grand Am insurance
The companies shown below have been selected to offer free rate quotes in Indiana. If your goal is to find cheaper car insurance in Fort Wayne, we suggest you click on several of them in order to get a fair rate comparison.
Pontiac Grand Am Insurance Premiums Can Be Reduced
A large part of saving on car insurance is knowing some of the factors that help determine the level of your policy premiums. If you have a feel for what impacts premium levels, this helps enable you to make changes that will entitle you to big savings.
The itemized list below are some of the most rate-impacting factors utilized by car insurance companies to help set premiums.
- Females tend to cost less – The statistics show women are more cautious behind the wheel. The data does not necessarily mean that women are BETTER drivers than men. Females and males tend to get into accidents at about the same rate, but males tend to have more serious accidents. They also get ticketed for serious violations such as DWI and reckless driving.
- Your vocation and car insurance rates – Did you know your job can affect your rates? Careers like lawyers, airline pilots, and stock brokers have higher premium rates because of intense work requirements and lengthy work days. On the other hand, occupations such as professors, students and retirees pay lower than average rates.
- Discounts for multiple policies – Some insurance companies will award better rates to clients that purchase more than one policy in the form of a multi-policy discount. Even with this discount, drivers will still want to shop around to verify if the discount is saving money. Drivers may still save even more than the discount even if you insure with multiple companies
- Never go without car insurance – Having a lapse in insurance coverage can be a fast way to bump up your car insurance costs. Not only will you pay more, not being able to provide proof of insurance can result in a revoked license or a big fine.
- Buy as much liability protection as you can afford – Your policy’s liability coverage will afford coverage if ever a court rules you are at fault for an accident. It will provide legal defense coverage up to the limits shown on your policy. This coverage is relatively inexpensive compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
- Credit history impact car insurance prices – Having a bad credit rating factor in determining your rates. So if your credit is not that good, you could potentially save money when insuring your Pontiac Grand Am by spending a little time repairing your credit. Insureds that have good credit tend to file fewer claims and have better driving records than drivers who have poor credit.
Discounts mean cheaper rates for Pontiac Grand Am insurance in Fort Wayne
Insurance is not inexpensive, but you might be missing out on some discounts that many consumers don’t even know exist. Certain reductions will be credited at the time of quoting, but less common discounts must be manually applied before being credited.
- E-sign Discounts – Some of the larger companies will give you a small discount for completing your application on your computer.
- Driver Safety – Taking part in a course teaching defensive driver skills could earn you a small percentage discount and make you a better driver.
- Multi-car Discount – Drivers who insure multiple vehicles on one policy can get a discount on all vehicles.
- Sign Early and Save – A few insurance companies allow discounts for signing up before your current coverage expires. Ten percent is about the average savings.
- Smart Student Discounts – Being a good student could provide a savings of up to 20% or more. The discount lasts up until you turn 25.
- Multiple Policy Discount – If you can bundle your auto and home insurance and place coverage with the same company you could save at least 10 to 15 percent or more.
- Discounts for Government Workers – Being employed by or retired from a federal job can save as much as 8% but check with your company.
- Homeowners Savings – Simply owning a home may earn you a small savings because it means you have a higher level of financial diligence.
Drivers should understand that most discount credits are not given to the entire policy premium. Most cut the price of certain insurance coverages like medical payments or collision. Even though it may seem like it’s possible to get free car insurance, it doesn’t quite work that way. But any discount will help lower the cost of your policy.
Large insurance companies and the discounts they provide are shown below.
- 21st Century may have discounts that include automatic seat belts, homeowners, good student, driver training, air bags, early bird, and 55 and older.
- Progressive has discounts for continuous coverage, multi-vehicle, homeowner, online quote discount, good student, and online signing.
- State Farm may include discounts for defensive driving training, multiple policy, Steer Clear safe driver discount, anti-theft, and driver’s education.
- Nationwide policyholders can earn discounts including defensive driving, accident-free, good student, family plan, business or organization, Farm Bureau membership, and multi-policy.
- Esurance offers premium reductions for safety device, defensive driver, paid-in-full, anti-lock brakes, and good student.
- The Hartford includes discounts for air bag, vehicle fuel type, good student, anti-theft, bundle, defensive driver, and driver training.
Before purchasing a policy, check with each insurance company how you can save money. A few discounts may not be offered in your state. To find insurance companies with discount rates in Fort Wayne, click this link.
Buying from insurance agencies
Many people would rather sit down with an agent and that is OK! An additional benefit of getting online price quotes is the fact that drivers can get lower car insurance rates but also keep your business local.
For easy comparison, once you complete this short form, your information is submitted to local insurance agents who want to provide quotes for your insurance coverage. It makes it easy because there is no need to even leave your home due to the fact that quote results will go directly to your email. You can get cheaper insurance rates AND an agent nearby. If you need to compare prices from one company in particular, you would need to jump over to their website and submit a quote form there.
Picking an insurance company requires more thought than just the premium amount. Agents should be asked these questions:
- How experienced are they in personal risk management?
- Are there any discounts for paying up front?
- Will they make sure you get an adequate claim settlement?
- Can glass claims be handled at your home?
- When do they do policy reviews?
- Do they offer accident forgiveness?
- Is vehicle damage repaired with OEM or aftermarket parts?
Shop around and save
We’ve covered a lot of ways to compare Pontiac Grand Am insurance rates in Fort Wayne. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may even find the best price on car insurance is with an unexpected company.
Budget-friendly car insurance in Fort Wayne is available on the web as well as from independent agents in Fort Wayne, and you need to price shop both to have the best rate selection. Some car insurance companies do not offer rate quotes online and most of the time these small insurance companies only sell through independent insurance agencies.
Drivers change insurance companies for many reasons like lack of trust in their agent, high rates after DUI convictions, questionable increases in premium and poor customer service. No matter why you want to switch, switching car insurance companies is easier than you think.
Helpful resources
- Choosing an Insurance Company (Insurance Information Institute)
- Who Has the Cheapest Fort Wayne Car Insurance Quotes for a Mazda CX-7? (FAQ)
- Who Has Cheap Auto Insurance Rates for 17 Year Olds in Fort Wayne? (FAQ)
- What Car Insurance is Cheapest for Teenagers in Fort Wayne? (FAQ)
- What Auto Insurance is Cheapest for a Hyundai Sonata in Fort Wayne? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Welfare Recipients in Fort Wayne? (FAQ)
- Who Has the Cheapest Fort Wayne Auto Insurance for Drivers Over Age 70? (FAQ)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Understanding Rental Car Insurance (Insurance Information Institute)
- Crash Avoidance Technologies FAQ (iihs.org)
- Auto Insurance 101 (About.com)