Do you want low-cost Jeep Patriot insurance in Fort Wayne? Price shopping your Jeep Patriot insurance in Fort Wayne may be very difficult for drivers who are new to online insurance quotes. With so many agents and companies in the marketplace, it can easily become a big hassle to find the perfect company for you.
Steps to finding the cheapest rates for Jeep Patriot insurance in Fort Wayne
The best way we recommend to find cheaper quotes for Jeep Patriot insurance in Fort Wayne is to regularly compare quotes from providers who sell insurance in Indiana. You can compare rates by following these guidelines.
Step 1: Try to learn about car insurance and the steps you can take to keep rates down. Many things that cause rate increases such as high-risk driving behaviors and a substandard credit history can be eliminated by paying attention to minor details. This article gives additional tips to help keep prices low and find hidden discounts.
Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from one company like GEICO and Allstate, while agents who are independent can provide rate quotes from multiple sources.
Step 3: Compare the price quotes to the price on your current policy to determine if switching companies saves money. If you can save money and decide to switch, make sure coverage does not lapse between policies.
Step 4: Provide written notification to your current company of your decision to cancel your current auto insurance policy and submit a completed application and payment to your new carrier. Don’t forget to put the new certificate verifying proof of insurance in an easily accessible location in your vehicle.
One key aspect when comparing rates is that you’ll want to compare identical coverages on every price quote and and to get rates from all possible companies. This guarantees a fair rate comparison and many rates to choose from.
A recent study showed that a large majority of consumers have been with the same company for at least four years, and about 40% of consumers have never compared rates to find cheaper insurance. Many drivers in Fort Wayne could pocket up to $700 a year by just comparing quotes, but they don’t want to spend time to shop around.
If you have insurance now, you should be able to reduce the price you pay using the ideas presented in this article. This information will instruct you on the best ways to compare prices and also pocket some savings Although Indiana vehicle owners can benefit by having an understanding of how the larger insurance companies calculate their prices because it can help you find the best coverage.
The fastest way that we advise to get policy rate comparisons for Jeep Patriot insurance in Fort Wayne is to take advantage of the fact all the major auto insurance companies have advanced systems to give free rates quotes. All you need to do is provide information such as your general credit rating, your job, if you went to college, and driver ages. Your information gets transmitted to many of the top insurers and you should receive rate quotes with very little delay.
To start a rate quote now, click here and enter the information requested.
The providers in the list below are our best choices to provide price quotes in Fort Wayne, IN. To get the best auto insurance in Indiana, it’s a good idea that you visit several of them to find the most competitive auto insurance rates.
Earn discounts on Fort Wayne auto insurance
Some insurance providers don’t list every available discount in an easy-to-find place, so we took the time to find a few of the more well known and the harder-to-find credits that may apply to you.
- E-sign – Some of the larger companies will give you a small discount for buying a policy and signing up on their website.
- Theft Prevention System – Cars, trucks, and SUVs optioned with advanced anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
- Military Deployment Discount – Being deployed in the military could qualify you for better prices.
- Driver’s Ed – Cut your cost by having your teen driver enroll and complete driver’s education as it will make them better drivers and lower rates.
- Discounts for Government Workers – Federal government employees could provide a small rate reduction depending on your auto insurance provider.
- Use Seat Belts – Buckling up and requiring all passengers to use their safety belts could cut 10% or more on medical payment and PIP coverage.
- Driver Training Discounts – Successfully completing a defensive driving course could save 5% or more and make you a better driver.
- Telematics Data – Insureds that choose to allow their auto insurance company to monitor their driving habits by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates if they show good driving skills.
- Membership in Organizations – Being a member of qualifying employment or professional organizations could trigger savings on auto insurance.
As a footnote on discounts, many deductions do not apply to the whole policy. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. Despite the fact that it seems like all the discounts add up to a free policy, you won’t be that lucky.
The information below compares Jeep Patriot insurance rates with and without discounts being applied to the rates. The rate quotes are based on a male driver, no claims or driving citations, Indiana state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, multi-policy, homeowner, safe-driver, and claim-free discounts applied.
The best auto insurance companies and a partial list of their discounts are shown below.
- Farm Bureau offers discounts for driver training, good student, 55 and retired, multi-vehicle, and youthful driver.
- State Farm offers discounts including anti-theft, safe vehicle, Steer Clear safe driver discount, passive restraint, good driver, and driver’s education.
- Progressive includes discounts for homeowner, multi-vehicle, continuous coverage, multi-policy, good student, and online signing.
- Allstate has savings for farm vehicle, multi-policy, FullPay discount, early signing, and premier discount.
- Nationwide policyholders can earn discounts including easy pay, defensive driving, anti-theft, business or organization, good student, and Farm Bureau membership.
- MetLife discounts include accident-free, defensive driver, good student, multi-policy, and claim-free.
When getting a coverage quote, ask each company or agent which discounts can lower your rates. A few discounts might not apply in your area. To choose companies that offer multiple discounts in Indiana, click here to view.
Coverage statistics and figures
The rate information displayed below showcases a range of rate quotes for Jeep Patriot models. Being more informed about how insurance premiums are determined can be valuable when making smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $140 | $222 | $290 | $18 | $86 | $756 | $63 |
| Patriot Sport 4WD | $140 | $222 | $290 | $18 | $86 | $756 | $63 |
| Patriot Limited 2WD | $160 | $272 | $290 | $18 | $86 | $826 | $69 |
| Patriot Limited 4WD | $160 | $272 | $290 | $18 | $86 | $826 | $69 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Price estimates do not factor in your specific Fort Wayne location which can impact premium rates greatly.
Higher deductibles lower rates
When shopping for auto insurance, a common question is which comprehensive and collision deductibles to buy. The following tables help summarize the difference in cost when you buy lower versus higher comp and collision deductibles. The first rate estimation uses a $100 deductible and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $210 | $358 | $280 | $16 | $84 | $973 | $81 |
| Patriot Sport 4WD | $210 | $358 | $280 | $16 | $84 | $973 | $81 |
| Patriot Limited 2WD | $242 | $436 | $280 | $16 | $84 | $1,083 | $90 |
| Patriot Limited 4WD | $242 | $436 | $280 | $16 | $84 | $1,083 | $90 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $154 | $242 | $280 | $16 | $84 | $776 | $65 |
| Patriot Sport 4WD | $154 | $242 | $280 | $16 | $84 | $776 | $65 |
| Patriot Limited 2WD | $176 | $294 | $280 | $16 | $84 | $850 | $71 |
| Patriot Limited 4WD | $176 | $294 | $280 | $16 | $84 | $850 | $71 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Estimates do not factor in the specific area where the vehicle is garaged which can alter auto insurance rates noticeably.
Based on this data, we can arrive at the conclusion that using a $100 deductible could cost the average driver approximately $18 more each month or $216 annually than quoting the higher $500 deductible. Since you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you normally go more than 22 months between claim filings, you would more than likely save some money if you opt for a higher deductible. The table below illustrates how you can come to your own conclusion.
| Average monthly premium for $100 deductibles: | $86 |
| Average monthly premium for $500 deductibles (subtract): | – $68 |
| Monthly savings from raising deductible: | $18 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $18 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 22 months |
One big caveat is that a higher deductible level results in a higher out-of-pocket expense when you have a claim. That will require enough disposable savings in the event you have to pay the deductible.
The chart below illustrates how your choice of deductibles and can impact Jeep Patriot insurance premiums for each age group. Data assumes a single male driver, comprehensive and collision coverage, and no other discounts are factored in.
Auto insurance agents can give valuable advice
Some people just want to sit down and talk to an agent and that can be a great decision One of the benefits of comparing insurance online is the fact that you can find lower rates and still buy from a local agent. Supporting local insurance agencies is definitely important in Fort Wayne.
To make it easy to find an agent, after completing this quick form, your coverage information is emailed to local insurance agents in Fort Wayne who want to provide quotes to get your business. You never need to do any legwork due to the fact that quote results will go to you directly. It’s the lowest rates and a licensed agent to work with. If for some reason you want to get a price quote from a specific insurance company, you just need to find their quoting web page to submit a rate quote request.
Two different types of auto insurance agents
When narrowing the list to find an insurance agent, there are two types of insurance agents and how they can quote your rates. Insurance agencies in Fort Wayne are classified as either independent agents or exclusive agents depending on their employer.
Independent Insurance Agents
Independent agents are not employed by any specific company so they have the ability to put coverage with an assortment of companies and find you the best rates. To move your coverage to a new company, your agent can switch companies which makes it simple for you. When comparing insurance prices, we highly recommend that you get insurance quotes from independent agents to have the most options to choose from. Most have the option of insuring with small regional insurance companies which may have better rates.
Below is a short list of independent agents in Fort Wayne that may be able to give you rate quotes.
- Nationwide Insurance: Thompson Insurance and Financial Services Inc
10355 Dawsons Creek Blvd A – Fort Wayne, IN 46825 – (260) 347-4722 – View Map - Northern Insurance
7113 W Jefferson Blvd – Fort Wayne, IN 46804 – (260) 969-5613 – View Map - Hupe Insurance Services
7011 Stellhorn Rd – Fort Wayne, IN 46815 – (800) 701-5909 – View Map
Exclusive Insurance Agents
Exclusive insurance agents generally can only insure with one company and some examples include State Farm, Allstate and AAA. Exclusive agencies are unable to place coverage with different providers so they have no alternatives for high prices. Exclusive insurance agents receive a lot of sales training on their company’s products which helps them sell insurance even at higher premiums. Drivers often buy from the same agent for years primarily because of the brand legacy and solid financial strength.
Below is a list of exclusive insurance agents in Fort Wayne that can give you price quote information.
- American Family Insurance – Tara Witham
4011 W Jefferson Blvd #175 – Fort Wayne, IN 46804 – (260) 434-4440 – View Map - Allstate Insurance: Kevin Gwozdz
5721 Covington Rd – Fort Wayne, IN 46804 – (260) 436-2866 – View Map - Farmers Insurance – Shea Smith
1104 W State Blvd – Fort Wayne, IN 46808 – (260) 420-2000 – View Map
Choosing an insurance agent needs to be determined by more than just the bottom line cost. Here are some questions you might want to ask.
- Are they in the agency full-time?
- Does the agent help file claims?
- Do they prorate repair cost based on vehicle mileage?
- What company do they have the most business with?
- Where would your vehicle be repaired?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Does the agent recommend any additional coverage?
- Can they give you a list of client referrals?
Three reasons car insurance is important
Despite the fact that car insurance is not cheap in Fort Wayne, insurance is mandatory in Indiana but it also protects more than you think.
- Most states have minimum mandated liability insurance limits which means state laws require specific limits of liability insurance coverage if you drive a vehicle. 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 Jeep Patriot has a lienholder, most lenders will force you to carry insurance to guarantee payment of the loan. If you default on your policy, the lender may have to buy a policy to insure your Jeep for a lot more money and force you to pay the higher premium.
- Insurance protects your Jeep and your assets. It will also cover medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will pay to have it repaired.
The benefits of having car insurance are without a doubt worth the cost, particularly when you have a large claim. Today the average American driver is overpaying over $855 a year so compare rate quotes every year to be sure current rates are still competitive.
Auto insurance coverage basics
Having a good grasp of your policy can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.
Medical expense insurance – Med pay and PIP coverage provide coverage for short-term medical expenses like hospital visits, doctor visits, dental work, nursing services and surgery. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible
Collision – Collision insurance pays for damage to your Patriot resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for things like hitting a parking meter, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible on your Patriot to bring the cost down.
Protection from uninsured/underinsured drivers – Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your Jeep Patriot.
Since many Indiana drivers carry very low liability coverage limits (which is 25/50/10), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Auto liability insurance – Liability insurance will cover damage or injury you incur to other’s property or people. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/10 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $10,000 paid for damaged property. Alternatively, you may have a combined limit which limits claims to one amount rather than limiting it on a per person basis.
Liability insurance covers things such as repair bills for other people’s vehicles, emergency aid, legal defense fees and repair costs for stationary objects. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible. Indiana requires minimum liability limits of 25/50/10 but drivers should carry more liability than the minimum.
The chart below shows why buying minimum limits may not be adequate.
Comprehensive (Other than Collision) – This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims like hail damage, damage from getting keyed, hitting a bird and hitting a deer. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
What is the best car insurance company in Indiana?
Ending up with a good quality insurer is difficult considering how many different insurance companies sell coverage in Indiana. The ranking information shown below may help you pick which insurers to look at comparing prices from.
| 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 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Cheaper auto insurance is a realistic goal
You just learned a lot of techniques to reduce Jeep Patriot insurance prices online in Fort Wayne. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may even discover the best price on auto insurance is with a lesser-known regional company.
Drivers switch companies for any number of reasons including extreme rates for teen drivers, questionable increases in premium, being labeled a high risk driver and even an unsatisfactory settlement offer. Whatever your reason, choosing a new company can be easier than you think.
Lower-priced Jeep Patriot insurance in Fort Wayne can be found from both online companies in addition to local insurance agencies, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers do not offer price quotes online and many times these small insurance companies sell through independent agencies.
Steps to finding cheaper quotes for Jeep Patriot insurance in Fort Wayne
The recommended way to find low-cost auto insurance rates in Fort Wayne is to compare prices regularly from companies that insure vehicles in Indiana.
- Read and learn about auto insurance and the measures you can control to prevent expensive coverage. Many rating criteria that are responsible for high rates like high-risk driving behaviors and a substandard credit score can be improved by making minor driving habit or lifestyle changes.
- Compare prices from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO or Allstate, while independent agents can provide rate quotes for many different companies. Compare rates now
- Compare the new rate quotes to your existing rates to see if a cheaper price is available in Fort Wayne. If you find a better price, ensure there is no coverage lapse between policies.
- Provide adequate notice to your current company of your intent to cancel your current car insurance policy and submit a completed policy application and payment for the new coverage. Immediately upon receiving it, store the certificate verifying coverage with the vehicle registration.
A good tip to remember is to use similar coverage information on every price quote and and to get price quotes from as many companies as you can. This helps ensure an accurate price comparison and the most accurate and complete price analysis.
For more information, take a look at these articles:
- Rental Reimbursement Coverage (Allstate)
- Who Has Cheap Fort Wayne Auto Insurance Rates for a Honda Accord? (FAQ)
- Who Has Affordable Car Insurance Rates for a Jeep Grand Cherokee in Fort Wayne? (FAQ)
- Auto Theft Statistics (Insurance Information Institute)
- Older Drivers FAQ (iihs.org)
- Side Impact Crash Tests (iihs.org)