We don’t have to tell you that auto insurance companies don’t want you shop around. People who shop around for the cheapest rate are highly likely to switch to a new company because of the good chance of finding a lower-priced company. A recent auto insurance study revealed that consumers who faithfully checked for cheaper rates saved an average of $3,400 over four years compared to drivers who never shopped around for better prices.
If finding the cheapest rates on insurance is your intention, then having some knowledge of the best ways to shop for coverage rates can make the process less intimidating.
The easiest way to get more affordable car insurance rates in Fort Wayne is to compare quotes once a year from companies that insure vehicles in Indiana. You can compare rates by following these guidelines.
Step 1: Learn about what coverages are included in your policy and the steps you can take to prevent expensive coverage. Many rating criteria that increase rates such as speeding and a negative credit rating can be rectified by making lifestyle changes or driving safer.
Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from a single company like Progressive or Allstate, while agents who are independent can give you price quotes for a wide range of insurance providers. Click to view companies
Step 3: Compare the price quotes to your current policy to see if a cheaper rate is available. If you can save money and make a switch, verify that coverage does not lapse between policies.
Step 4: Tell your current company to cancel your current policy. Submit the signed application along with the required initial payment to your new carrier. As soon as you receive it, place the new proof of insurance paperwork with your vehicle’s registration.
One thing to remember is to use the same coverage limits and deductibles on each quote request and and to get prices from all possible companies. This enables a fair rate comparison and a thorough price selection.
How to lower your Chevy Avalanche insurance cost in Fort Wayne, IN
Cutting your Fort Wayne car insurance rates is actually easier than you may think. All you need to do is take the time getting comparison quotes to see which company has affordable Chevrolet Avalanche insurance quotes.
The following companies have been selected to offer price comparisons in Fort Wayne, IN. If your goal is to find cheaper car insurance in Fort Wayne, it’s highly recommended you get prices from several of them to get a more complete price comparison.
Get cheap Chevy Avalanche insurance in Fort Wayne with discounts
Insuring your fleet can be pricey, but there could be available discounts to help bring down the price. Larger premium reductions will be automatically applied when you get a quote, but some may not be applied and must be manually applied before you will receive the discount.
- Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts can receive discounts of 20 to 30 percent.
- Telematics Devices – Drivers that enable driving data collection to scrutinize driving manner by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if their driving habits are good.
- Accident-Free Discounts – Insureds with no claims or accidents can save substantially when compared with accident-prone drivers.
- Service Members Pay Less – Being on active duty in the military could qualify you for better premium rates.
- Accident Waiver – Not necessarily a discount, but companies like Liberty Mutual, Allstate and State Farm will turn a blind eye to one accident without the usual rate increase if your claims history is clear for a specific time period.
- Pay Early and Save – By paying your policy upfront as opposed to paying monthly you can avoid monthly service charges.
- Multi-Vehicle Discounts – Drivers who insure all your vehicles on one policy may reduce the rate for each vehicle.
- Drivers Education – Teen drivers should successfully take a driver’s education course as it can save substantially.
- Professional Memberships – Affiliation with qualifying clubs or civic groups can get you a small discount on insurance.
As a sidenote, some of the credits will not apply to the entire policy premium. A few only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think you could get a free insurance policy, nobody gets a free ride.
The information below shows the comparison of Chevy Avalanche premium costs with and without discounts applied. The rates are based on a female driver, no driving violations, no at-fault accidents, Indiana state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, multi-car, claim-free, homeowner, and safe-driver discounts applied.
The best insurance companies and their possible discounts are included below.
- State Farm may offer discounts for good driver, anti-theft, passive restraint, Steer Clear safe driver discount, driver’s education, and good student.
- Liberty Mutual may have discounts that include multi-car, preferred payment discount, newly retired, multi-policy, and exclusive group savings.
- American Family has savings for bundled insurance, early bird, TimeAway discount, air bags, and Steer into Savings.
- Progressive offers discounts for good student, homeowner, continuous coverage, online signing, multi-policy, and online quote discount.
- Farmers Insurance offers discounts including multi-car, business and professional, bundle discounts, distant student, early shopping, teen driver, and good student.
- Auto-Owners Insurance includes discounts for air bags, multiple vehicles, anti-lock brakes, paid in full, mature driver, safe vehicle, and multi-policy.
- SAFECO may include discounts for teen safe driver, bundle discounts, safe driver, anti-theft, accident prevention training, multi-car, and teen safety rewards.
If you want low cost Fort Wayne auto insurance quotes, ask every company how you can save money. Savings may not be offered in Fort Wayne. To choose insurance companies who offer insurance discounts in Indiana, follow this link.
Coverage statistics and figures
The price information displayed next showcases a range of insurance costs for Chevy Avalanche models. Understanding more about how insurance premiums are formulated can help guide drivers when making smart buying decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Avalanche LS 2WD||$116||$190||$330||$20||$98||$754||$63|
|Avalanche LT 2WD||$116||$224||$330||$20||$98||$788||$66|
|Avalanche LS 4WD||$116||$224||$330||$20||$98||$788||$66|
|Avalanche LT 4WD||$116||$224||$330||$20||$98||$788||$66|
|Avalanche LTZ 2WD||$130||$224||$330||$20||$98||$802||$67|
|Avalanche LTZ 4WD||$130||$224||$330||$20||$98||$802||$67|
|Get Your Own Custom Quote Go|
Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Rate information does not factor in zip code location which can lower or raise premiums noticeably.
The information below demonstrates how deductible levels and can influence Chevy Avalanche yearly insurance costs for each age group. Data assumes a married female driver, full physical damage coverage, and no policy discounts are applied.
Auto insurance rates based on gender
The chart below shows the difference between Chevy Avalanche yearly insurance costs for male and female drivers. The premium estimates are based on no claims or driving violations, comp and collision included, $100 deductibles, single status, and no policy discounts are applied.
Full coverage rates compared to liability-only
The diagram below shows the difference between Chevy Avalanche premium costs with full coverage compared to only the Indiana minimum liability coverage. The rates are based on no claims or driving citations, $500 deductibles, single marital status, and no other discounts are factored in.
Guidelines for dropping full coverage
There isn’t a steadfast formula of when to eliminate full coverage on your policy, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than around 10% of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your Chevy Avalanche replacement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $4,000 after paying your policy deductible. If you are paying more than $400 a year for full coverage, then it’s probably a good time to buy liability coverage only.
There are some conditions where dropping full coverage is not recommended. If you still have a loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should maintain full coverage.
Lower Insurance Rates with These Tips
Multiple criteria are taken into consideration when pricing auto insurance. Some of the criteria are obvious such as your driving history, but some are more obscure such as your marital status and annual miles driven.
Does your employer cost you more? – Careers such as judges, social workers, and financial analysts tend to have higher rates than the rest of us in part from intense work requirements and lots of time spent away from family. Other careers such as professors, athletes and the unemployed generally pay rates lower than average.
Vehicle theft costs us all – Owning a car that has an advanced theft prevention system can help lower your premiums. Anti-theft features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent your car from being stolen.
Vehicles with better crash test results lower premiums – Cars with high safety ratings tend to be cheaper to insure. Vehicles built for safety have better occupant injury protection and fewer injuries translates into savings for insurance companies and cheaper rates on your policy.
Don’t skimp on liability insurance – The liability section of your policy will protect you in the event that you are determined to be liable for physical damage or personal injury to other. This coverage provides for a legal defense which can be incredibly expensive. Liability is cheap as compared to coverage for physical damage, so buy as much as you can afford.
Don’t buy extra coverages you don’t use – Policies have extra coverages that can waste your money if you aren’t diligent. Insurance for things like coverage for rental cars, towing coverage, and extra equipment coverage are examples of these. They may sound like good ideas at first, but if they’re wasting money think about removing them and cutting costs.
Pay less after the wedding – Walking down the aisle actually saves money compared to being single. Having a spouse may mean you are more mature and responsible and insurance companies like that married drivers get in fewer accidents.
Continuous insurance coverage lowers premiums – Having an insurance coverage lapse is a quick way to trigger a rate increase. Not only will you pay more, getting caught without coverage may earn you a fine, jail time, or a revoked license. Then you may be required to submit proof of financial responsibility or a SR-22 with the Indiana motor vehicle department.
Exclusive or independent car insurance agents
Many people still prefer to talk to an insurance agent and that is a smart decision Good agents are trained to spot inefficiencies and give you someone to call. One of the great benefits of price shopping on the web is that you can obtain cheap car insurance rates and still have an agent to talk to. Putting coverage with local agents is especially important in Fort Wayne.
After completing this simple form, the coverage information is emailed to insurance agents in Fort Wayne who will give you bids for your insurance coverage. You don’t have to drive around due to the fact that quote results will go directly to you. If you want to quote rates from a specific car insurance provider, feel free to search and find their rate quote page and fill out their quote form.
If you want to use a local Fort Wayne insurance agency, you should know the different agency structures to choose from. Agencies in Fort Wayne can either be independent or exclusive depending on the company they work for. Either type can write policy coverage, but it is a good idea to know how they differ because it can factor into the kind of agent you use.
Independent Agencies or Brokers
These agents do not write with just one company and that is an advantage because they can write policies through many companies and possibly get better coverage at lower prices. If prices rise, your policy is moved internally and you don’t have to do anything.
When shopping rates, we recommend you check rates from at a minimum one independent agency in order to have the best price comparison. Many can place coverage with less well-known companies who may have lower rates.
Below are independent agents in Fort Wayne that may be able to give free car insurance quotes.
- The DeHayes Group
5150 W Jefferson Blvd – Fort Wayne, IN 46804 – (260) 424-5600 – View Map
- Stewart Brimner Group
3702 Rupp Dr – Fort Wayne, IN 46815 – (260) 482-6900 – View Map
- Sourceone Group
6628 Constitution Dr – Fort Wayne, IN 46804 – (260) 436-3544 – View Map
Exclusive Car Insurance Agencies
Agents in the exclusive channel can only provide pricing for a single company and examples are AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agencies are unable to shop your coverage around so if the price isn’t competitive there isn’t much they can do. Exclusive agencies are very knowledgeable in insurance sales which helps overcome the inability to quote other rates. A lot of people buy insurance from these agents mainly due to the prominent brand name rather than having the cheapest rates.
The following are Fort Wayne exclusive insurance agents willing to provide price quote information.
- Farmers Insurance – Shea Smith
1104 W State Blvd – Fort Wayne, IN 46808 – (260) 420-2000 – View Map
- Connie Stickler – State Farm Insurance Agent
7105 Old Trail Rd – Fort Wayne, IN 46809 – (260) 747-2626 – View Map
- Allstate Insurance: Darren Vogt
5830 E State Blvd – Fort Wayne, IN 46815 – (260) 493-3507 – View Map
Picking a insurance agency requires you to look at more than just a low price. The answers to these questions are important, too.
- Do they review policy coverages at every renewal?
- Does the company have a local claim office in Fort Wayne?
- Is their price quote a firm figure or are their hidden costs?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Is the agency covered by Errors and Omissions coverage?
- How many years of experience in personal auto insurance do they have?
Don’t give up on affordable premiums
We just showed you some good ideas how you can lower your Chevy Avalanche insurance rates in Fort Wayne. The key thing to remember is the more rate quotes you have, the better your comparison will be. You may even be surprised to find that the lowest priced car insurance comes from a small mutual company.
Lower-priced car insurance in Fort Wayne is available from both online companies and also from your neighborhood Fort Wayne agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some car insurance companies do not provide rates over the internet and these smaller companies provide coverage only through independent insurance agencies.
Consumers leave their current company for a variety of reasons including lack of trust in their agent, denial of a claim, unfair underwriting practices and even policy non-renewal. No matter why you want to switch, finding the right car insurance provider is easier than you think.
- Where can I buy Insurance? (Insurance Information Institute)
- Who Has Affordable Auto Insurance for a Nissan Sentra in Fort Wayne? (FAQ)
- What Insurance is Cheapest for a Subaru Outback in Fort Wayne? (FAQ)
- What is the Cheapest Auto Insurance in Fort Wayne, IN? (FAQ)
- Who Has Cheap Auto Insurance for Drivers with Good Credit in Fort Wayne? (FAQ)
- Vehicle Safety Ratings (iihs.org)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- Teen Driving Statistics (GEICO)
- Car Insurance FAQ (Trusted Choice)