A recent insurance study revealed that almost 70% of drivers kept their policy with the same company for over three years, and approximately 40% of consumers have never even compared quotes to find lower-cost rates. With the average insurance premium being $1,400, Fort Wayne drivers can cut their rates by $697 a year, but they don’t invest the time required to go online and compare rates.
If saving money is your primary concern, then the best way to get budget Chevy Uplander insurance in Fort Wayne is to regularly compare quotes from companies who provide auto insurance in Indiana.
- First, try to comprehend how your policy works and the measures you can take to prevent high rates. Many things that cause rate increases like multiple speeding tickets and an imperfect credit rating can be rectified by making minor driving habit or lifestyle changes. Read the full article for tips to help prevent expensive coverage and find hidden discounts.
- Second, get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from one company like GEICO or Farmers Insurance, while agents who are independent can give you price quotes from multiple sources.
- Third, compare the price quotes to your existing rates to see if a cheaper rate is available. If you find a lower rate and change companies, make sure coverage is continuous and does not lapse.
A valuable tip to remember is that you use the same level of coverage on each quote and and to get price estimates from as many different companies as possible. This provides a level playing field and the best rate selection.
Score discounts to get cheaper Fort Wayne car insurance quotes
Car insurance can cost a lot, but there are discounts available that can dramatically reduce your bill. Certain credits will be shown when you complete an application, but a few need to be specially asked for before you will receive the discount.
- Military Rewards – Being deployed with a military unit could qualify you for better prices.
- Discount for New Cars – Buying insurance on a new vehicle can be considerably cheaper since newer vehicles have better safety ratings.
- Defensive Driving Course – Taking time to complete a safe driver course could earn you a small percentage discount and easily recoup the cost of the course.
- Multi-line Discount – Larger insurance carriers have lower premium rates if you buy some life insurance too.
- Data Collection Discounts – Drivers who elect to allow driving data submission to study when and where they use their vehicle remotely such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease if they show good driving skills.
- Discounts for Multiple Vehicles – Buying a policy with several vehicles on one policy can reduce the rates for all insured vehicles.
- Paper-free Discount – Certain insurance companies provide a small discount get Fort Wayne car insurance on the web.
Drivers should understand that some of the credits will not apply to the entire policy premium. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.
A few of the larger companies and some of the premium reductions they offer can be read below.
- GEICO may include discounts for air bags, membership and employees, daytime running lights, defensive driver, and five-year accident-free.
- USAA has discounts for defensive driver, vehicle storage, multi-vehicle, family discount, and new vehicle.
- Progressive discounts include homeowner, multi-policy, good student, online quote discount, and continuous coverage.
- American Family may offer discounts for air bags, TimeAway discount, good student, good driver, Steer into Savings, accident-free, and early bird.
- Esurance offers discounts including online shopper, Switch & Save, emergency road assistance, DriveSense, safety device, and multi-policy.
- Farmers Insurance policyholders can earn discounts including teen driver, electronic funds transfer, switch companies, alternative fuel, and homeowner.
- State Farm has savings for anti-theft, Steer Clear safe driver discount, student away at school, multiple policy, driver’s education, passive restraint, and Drive Safe & Save.
If you need the cheapest Chevrolet Uplander rate quotes, ask every prospective company which discounts you may be entitled to. Depending on the company, some discounts might not be offered in your area. If you would like to see a list of insurance companies who offer free Chevy Uplander insurance quotes in Fort Wayne, click here.
The companies in the list below are ready to provide price comparisons in Indiana. If you wish to find cheap car insurance in Fort Wayne, IN, we recommend you visit several of them in order to get a fair rate comparison.
Neighborhood agents and insurance
Many people just want to buy from a local agent and doing so can bring peace of mind Agents can help you build your policy and help submit paperwork. One of the benefits of comparing rate quotes online is that you can obtain the lowest rates and still have an agent to talk to. Buying from and supporting neighborhood insurance agencies is important especially in Fort Wayne.
Upon completion of this form (opens in new window), your coverage information is sent to agents in your area who want to provide quotes for your insurance coverage. It’s much easier because you don’t need to contact any agents due to the fact that quote results will go immediately to your email address. If you need to compare rates from a particular provider, you just need to visit that company’s website and submit a quote form there.
The following is a list of insurers in Fort Wayne willing to provide rate quotes for Chevy Uplander insurance in Fort Wayne.
Kent Paul – State Farm Insurance Agent
1505 W Dupont Rd – Fort Wayne, IN 46825 – (260) 478-2222 – View Map
Picking the best insurer should include more criteria than just the bottom line cost. The questions below may impact your decision as well.
- Does the agent help file claims?
- Did they already check your driving record and credit reports?
- Are aftermarket or OEM parts used to repair vehicles?
- What is the financial rating for the quoted company?
- What insurance companies do they recommend if they are an independent agent?
- Does the company have a local claim office in Fort Wayne?
- What companies can they write with?
Insurance is not optional in Indiana
Despite the high cost of buying insurance for a Chevy Uplander in Fort Wayne, paying for insurance may be mandatory for several reasons.
- Almost all states have minimum mandated liability insurance limits which means you are required to carry a specific level of liability in order to drive the car. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your Chevy has a lienholder, most lenders will make it mandatory that you buy insurance to ensure the loan is repaid in case of a total loss. If the policy lapses, the lender will be forced to insure your Chevy for a lot more money and force you to pay much more than you were paying before.
- Insurance preserves your Chevy and your assets. It will also reimburse you for all forms of medical expenses incurred in an accident. Liability insurance, one of your policy coverages, will also pay to defend you if you are sued as the result of your driving. If mother nature or an accident damages your car, your insurance policy will pay to restore your vehicle to like-new condition.
The benefits of insuring your car definitely exceed the price paid, particularly when you have a large claim. According to a 2015 survey, the average American driver is wasting up to $869 every year so we recommend shopping around once a year at a minimum to ensure rates are inline.
Parts of your car insurance policy
Learning about specific coverages of your car insurance policy can help you determine the best coverages for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are the normal coverages available from car insurance companies.
Med pay and Personal Injury Protection (PIP)
Med pay and PIP coverage kick in for immediate expenses like chiropractic care, pain medications, funeral costs, X-ray expenses and surgery. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay
Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things such as a broken windshield, hail damage and damage from getting keyed. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Liability car insurance
Liability insurance can cover damage that occurs to other’s property or people by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/10 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $10,000. Alternatively, you may have a combined limit that pays claims from the same limit with no separate limits for injury or property damage.
Liability insurance covers claims such as funeral expenses, bail bonds, loss of income, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible. Indiana state law requires minimum liability limits of 25/50/10 but drivers should carry more liability than the minimum.
The next chart shows why buying low liability limits may not be high enough to cover claims.
Uninsured/Underinsured Motorist (UM/UIM)
This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Chevy Uplander.
Because many people have only the minimum liability required by law (25/50/10), their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Normally these limits do not exceed the liability coverage limits.
Collision insurance pays for damage to your Uplander caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things like sideswiping another vehicle, driving through your garage door and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible on your Uplander in order to get cheaper collision rates.
Affordable insurance rates are available
When buying insurance coverage, make sure you don’t reduce coverage to reduce premium. In many instances, drivers have reduced collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal is to purchase plenty of coverage at a price you can afford but still have enough coverage for asset protection.
Cheaper Chevy Uplander insurance in Fort Wayne is definitely available both online and with local Fort Wayne insurance agents, so get free Fort Wayne car insurance quotes from both of them in order to have the best chance of saving money. Some insurance companies may not provide price quotes online and these smaller providers only sell coverage through independent insurance agencies.
We’ve covered some good ideas how to lower your Chevy Uplander insurance prices in Fort Wayne. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even find the lowest prices are with a small local company. They may cover specific market segments cheaper compared to the large companies like State Farm and Allstate.
Even more information can be found at these sites:
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- What Car Insurance is Cheapest for Teenagers in Fort Wayne? (FAQ)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Credit and Insurance Scores (Insurance Information Institute)