Who Has the Cheapest Car Insurance for Teachers in Fort Wayne?

You’ve seen the commercials from auto insurance companies like Liberty Mutual, Allstate, and State Farm that claim the cheapest rates. So drivers just need to choose the one with the most memorable commercial, right?

It’s not that simple, unfortunately, as there are a ton of unknown factors such as whether you are single or married, if you have a tendency to get pulled over, and your financial responsibility, that all impact the cost of coverage. This article goes into detail about the best ways to maintain low rates and will hopefully give the reader a good start to your coverage search.

Establishing which companies quote the lowest-priced insurance rates for teachers takes a little more work than just quoting one company’s rates. Every auto insurer used slightly different criteria to set premium rates, so to begin we’ll rank the insurance companies that tend to have lower prices in Fort Wayne.

It’s a good idea to be aware that Fort Wayne insurance rates are impacted by many factors which can substantially change the cost of your policy. Simply getting older, buying a home, or getting caught speeding can trigger changes in premium that can cause some rates to be cheaper than others.

Best Car Insurance Prices for Educators

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Cheapest Indiana car insurance ranked by price
Rank Company Cost Per Year
1 Travelers $614
2 USAA $661
3 Cincinnati Insurance $664
4 Erie $726
5 Western Reserve $838
6 Indiana Farmers Mutual $849
7 The Hartford $863
8 Auto-Owners $906
9 Nationwide $930
10 Motorists Mutual $956
11 State Farm $957
12 Utica National $965
13 Hastings Mutual $973
14 Safeco $983
15 Farmers $1,064
16 Wolverine Mutual $1,072
17 State Auto $1,087
18 Westfield $1,094
19 Progressive $1,095
20 GEICO $1,100
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Travelers normally has some of the cheapest car insurance rates in Fort Wayne at around $614 a year. USAA, Cincinnati Insurance, Erie, and Western Reserve are also some of the cheaper Fort Wayne, IN insurance companies.

In the above rates, if you currently buy coverage from Western Reserve and switched to USAA, you could realize an annual premium reduction of around $177. Customers with Indiana Farmers Mutual may save as much as $188 a year, and The Hartford policyholders might realize rate reductions of up to $202 a year.

Understand that those policy rates are averaged across all insureds and vehicles and do not take into consideration an exact zip code location for teachers. So the insurer that can offer the best rates for your situation may not even be in the list above. That point stresses why you need to get rate quotes using your own specific driver and vehicle information.

The make and model of vehicle to be insured is one of the largest considerations when consumers are trying to find the best cheap coverage for teachers. Vehicles with lower performance, an excellent safety record, or a low likelihood of liability claims will cost quite a bit less to insure than higher performance models. The table below presents auto insurance rates for a handful of the most budget-friendly automobiles to buy insurance for.

Cheapest Vehicles to Insure in Fort Wayne, IN
Vehicle Make and Model Estimated Cost for Full Coverage
Honda CR-V EX-L 2WD $910
Jeep Wrangler Sport Islander Package 4WD 2-Dr $978
Ford Escape XLT 2WD $1,006
Volkswagen Jetta 2.0T Station Wagon $1,044
Toyota RAV4 Sport 2WD $1,055
Chevrolet Equinox LS AWD $1,061
Hyundai Elantra SE Touring Station Wagon $1,061
Toyota Prius $1,085
Honda Accord EX-L 4-Dr Sedan $1,089
Ford F-150 XLT Regular Cab 2WD $1,108
Chevrolet Impala LTZ $1,112
Toyota Corolla S $1,117
Chevrolet Silverado LT Regular Cab $1,129
Ford Fusion Sport 4-Dr Sedan $1,131
Ford Explorer Eddie Bauer 2WD $1,136
Toyota Tacoma 2WD $1,163
Honda Civic GX 4-Dr Sedan $1,168
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Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Premium costs do not factor in specific Fort Wayne, IN garaging location which can increase or decrease rates substantially.

Based upon the rates shown, you can figure that vehicles like the Honda CR-V, Jeep Wrangler, and Ford Escape should be some of the more affordable vehicles to insure for teachers and educators.

For teachers and educators, one of the more important things that are looked at to help calculate the amount you pay each year for auto insurance is the neighborhood you call home. Areas with more people or higher crime rates tend to pay slightly more, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower prices.

The following table shows the most expensive cities in Indiana for teachers to buy car insurance in. Fort Wayne is ranked at #21 with the annual price of $947 on average, which is about $79 per month.

How much is car insurance in Fort Wayne?
Rank City Annual Rate
1 Gary $1,347
2 Hammond $1,275
3 Merrillville $1,128
4 Portage $1,104
5 Indianapolis $1,092
6 Jeffersonville $1,070
7 New Albany $1,070
8 Terre Haute $1,067
9 Lawrence $1,055
10 Evansville $1,045
11 Kokomo $1,011
12 Anderson $1,001
13 South Bend $985
14 Fishers $974
15 Bloomington $968
16 Mishawaka $965
17 Elkhart $965
18 Richmond $964
19 Greenwood $960
20 Noblesville $948
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Prices are comparative as the specific geographic location can impact prices considerably.

The information below shows how choosing a deductible can affect insurance prices when quoting cheap insurance for teachers. The premium estimates are based on a married female driver, full coverage, and no discounts are taken into consideration.

The data above shows that a 50-year-old driver could pocket $260 a year by changing from a $100 deductible to a $500 deductible, or save $390 by switching to a $1,000 deductible. Even younger insureds, like the Age 20 chart data, can cut as much as $638 every year by using a higher deductible.

If you make the decision to raise deductibles, it is necessary to have enough savings to allow you to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Finding a high-quality car insurance company can be rather challenging considering how many different companies sell coverage in Indiana. The ranking information shown below could help you analyze which auto insurers to look at when comparing auto insurance rates for teachers.

The rankings below are only made up of companies that insure vehicles nationwide, so companies that focus mainly on Indiana business are not taken into consideration for this list. To check prices from the insurers below and more, just click here.

Best 15 Insurance Companies for Teachers in Fort Wayne
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Erie Insurance 92 90 82 88% A+ 88.5
The Hartford 87 89 84 87% A+ 88
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Data Source: Insure.com Best Car Insurance Companies

Can you find cheaper Fort Wayne car insurance?

Indiana insurance rates are impacted by many things that may substantially change the cost of having a policy. Simply improving your credit, buying a home instead of renting, or getting caught speeding can produce rate changes resulting in some rates now being much cheaper than others. In addition, insurance companies file new Indiana car insurance rates as often as every quarter to reflect underwriting profits or losses. Higher than usual claims may cause price increases, while a profitable period may result in cheaper Fort Wayne car insurance rates.

The chart below shows the cheapest car insurance in Fort Wayne, IN for a 45-year-old female driver with no violations or accidents, and good credit. If we estimate prices based on her current rating profile, Travelers might offer the best car insurance rates in Fort Wayne at $634 a year. This is $606 less than the average policy premium paid by Indiana drivers of $1,240. USAA, Cincinnati Insurance, Erie, and Indiana Farmers Mutual are the remainder of the most affordable Fort Wayne, IN auto insurance companies.

In the next rate comparison, we’ll give the driver in the first example a claim surcharge, slightly worse credit, and a speeding ticket. Due to the fact that every insurance company has a proprietary formula to set their prices, comparing prices may now result in a different ranking of the cheapest companies as shown below.

The Hartford now has the lowest car insurance rate in Fort Wayne with Auto-Owners, USAA, Utica National, and Cincinnati Insurance completing the list. This illustrates why consumers need to compare as many rates as possible when trying to find cheap auto insurance rates for teachers.

Auto insurance prices are impacted by many risk factors and can change substantially, so the cheapest option six months ago may now be quite expensive.

How to find budget-friendly insurance for teachers

Lowering your rates is not difficult, and here are some of the better money-saving suggestions that can help Fort Wayne drivers quote low-cost coverage.

The last suggestion is very important, as we stressed in this write-up. Insurance prices fluctuate constantly, so drivers shouldn’t hesitate to change to a new company if a lower-cost policy is available. Many drivers tend to have loyalty to a certain company, but it isn’t a good idea if it’s costing you lots of hard earned cash every month. In less than five minutes you could compare rates and find cheaper auto insurance for teachers in Fort Wayne.

If you aren’t clear which coverage you need and would like to have some advice when comparing insurance rates for teachers and educators, the insurance agencies listed below are a good start to provide answers to your questions and help you determine which coverages and limits you need.

To locate a Fort Wayne insurance agent using an interactive map, click the link at the bottom or click here to compare rates now.

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