Cheapest Subaru Legacy Insurance in Fort Wayne

Unthinkable but true, the vast majority of auto insurance customers kept buying from the same company for four years or more, and 38% of drivers have never compared rate quotes at all. Consumers in Indiana could pocket about $700 a year just by comparing rates, but they don’t believe how much savings they would realize if they switched to a more affordable policy.

If you want to save money, the best way to get cheaper Subaru Legacy insurance in Fort Wayne is to begin comparing prices regularly from insurance carriers who sell auto insurance in Indiana. Drivers can shop around by following these steps.

• Step 1: Get a basic knowledge of what is in your policy and the measures you can take to prevent high rates. Many risk factors that are responsible for high rates such as high-risk driving behaviors and an unacceptable credit score can be eliminated by making lifestyle changes or driving safer.
• Step 2: Get rate quotes from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from a single company like GEICO or State Farm, while agents who are independent can provide rate quotes from multiple sources.
• Step 3: Compare the new rates to your existing rates to determine if you can save on Legacy insurance in Fort Wayne. If you find a lower rate quote, ensure there is no coverage lapse between policies.

A crucial key to this process is to try to compare identical limits and deductibles on every price quote and and to get price quotes from as many companies as you can. This enables an accurate price comparison and many rates to choose from.

How to compare Fort Wayne Subaru Legacy insurance quotes

Most companies such as State Farm, GEICO and Progressive make it easy to get coverage prices online. Comparing Subaru Legacy insurance rates online can be done by anyone because it’s just a matter of typing in your personal and coverage information into the quote form. Behind the scenes, the company’s rating system will obtain information on your driving record and credit history and provides a quote.

Quoting online for Subaru Legacy insurance in Fort Wayne simplifies rate comparisons, and it’s absolutely necessary to do this if you are searching for the best rate on auto insurance.

To save time and compare rates using this form now, compare rates now from the companies shown below. If you currently have coverage, we recommend you replicate your coverages exactly as they are listed on your policy. This ensures you will receive a rate comparison using the exact same coverages.

The companies shown below can provide free rate quotes in Fort Wayne, IN. If multiple companies are listed, we suggest you get rates from several of them to get a more complete price comparison.

Subaru Legacy detailed coverage information

The data table displayed next highlights detailed analysis of insurance prices for Subaru Legacy models. Understanding how policy premiums are established can help you make decisions when shopping your coverage around.

Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rate information does not factor in vehicle location which can modify premium rates noticeably.

Policy deductible comparison

One of the hardest decisions when shopping for insurance is how low should you set your deductibles. The following tables sum up the rate fluctuation between low and high policy deductibles. The first rate comparisons uses a $250 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Information does not factor in your specific Fort Wayne location which can revise rates greatly.

Using the premium rates above, we can conclude that using a $250 deductible could cost the average driver approximately $13 more each month or $156 each year than opting for the higher $500 deductible. Because you would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you go more than 19 months between claim filings, you would come out ahead going with the higher deductible. The numbers below show how you can decide this on your own policy.

One big caveat is that a higher deductible means you will have to pay more at claim time. That will force you to have some savings in the bank in order to pay the higher deductible.

Poor driving habits will raise your insurance rates

The chart below illustrates how speeding tickets and fender-benders can affect Subaru Legacy insurance costs for different age groups. Data assumes a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.

Does it make sense to buy full coverage?

The diagram below shows the difference between Subaru Legacy yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premium estimates are based on no violations or claims, $500 deductibles, drivers are single, and no discounts are applied to the premium.

Deciding between full coverage and liability only

There is no set guideline of when to drop comprehensive and collision coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is 10% or more of the settlement you would receive from your company, then you might consider buying liability only.

For example, let’s assume your Subaru Legacy claim settlement value is $3,000 and you have $1,000 deductibles. If your vehicle is destroyed, you would only receive $2,000 after you pay the deductible. If it’s costing in excess of $200 annually for physical damage coverage, then you might consider buying liability only.

There are a few situations where removing full coverage is not recommended. If you have an outstanding loan on your vehicle, you have to keep full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.

Determine discounts on Fort Wayne auto insurance

Companies don’t necessarily list all available discounts very well, so the next list breaks down both well-publicized and the harder-to-find discounts you could be receiving when you buy Fort Wayne auto insurance online.

• Discount for Home Ownership – Owning your own home or condo can save you money since owning and maintaining a home is proof of financial responsibility.
• Low Miles Discount – Fewer annual miles on your Subaru could qualify for lower rates on the low mileage vehicles.
• Auto/Home Discount – When you combine your home and auto insurance and place coverage with the same company you could earn a discount of as much as 10 to 15 percent.
• Active Service Discounts – Being deployed with a military unit could trigger a small discount.
• Smart Student Discounts – This discount can get you a discount of up to 25%. This discount can apply up to age 25.

As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, auto insurance companies aren’t that generous.

The information below shows the comparison of Subaru Legacy auto insurance costs with and without policy discounts. The price estimates are based on a female driver, no claims or driving citations, Indiana state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, claim-free, multi-policy, safe-driver, and homeowner discounts applied.

Companies and some of the premium reductions they offer are included below.

• AAA offers discounts including AAA membership discount, multi-car, education and occupation, good driver, good student, pay-in-full, and multi-policy.
• Progressive includes discounts for online quote discount, multi-vehicle, online signing, multi-policy, homeowner, and continuous coverage.
• State Farm has savings for student away at school, Drive Safe & Save, safe vehicle, Steer Clear safe driver discount, good student, driver’s education, and defensive driving training.
• Esurance discounts include emergency road assistance, online quote, paid-in-full, anti-lock brakes, and Switch & Save.
• Nationwide offers premium reductions for multi-policy, good student, easy pay, family plan, Farm Bureau membership, and accident-free.

When comparing rates, check with every company which discounts you may be entitled to. Some discounts might not apply in Fort Wayne. If you would like to choose from a list of insurers with discount auto insurance rates in Indiana, click here.

Why auto insurance is not optional

Even though Fort Wayne Legacy insurance rates can get expensive, maintaining insurance is required in Indiana but it also protects you in many ways.

• Most states have compulsory liability insurance requirements which means state laws require a specific level of liability insurance coverage in order to get the vehicle licensed. 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 you took out a loan on your Subaru Legacy, more than likely the lender will stipulate that you have physical damage coverage to guarantee loan repayment. If you do not keep the policy in force, the bank may buy a policy for your Subaru at a much higher rate and require you to reimburse them much more than you were paying before.
• Auto insurance protects both your assets and your Subaru. Insurance will pay for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If you have damage to your Subaru as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.

The benefits of having auto insurance outweigh the cost, especially if you ever need it. Today the average American driver overpays more than $825 a year so compare rate quotes at least once a year to help ensure money is not being wasted.

Ratings for Indiana car insurance companies

Buying coverage from the best car insurance company can be a challenge considering how many different companies sell coverage in Indiana. The ranking information below can help you choose which companies you want to consider comparing rate quotes with.

Top 10 Fort Wayne Car Insurance Companies Overall

1. USAA
2. 21st Century
3. GEICO
4. Nationwide
5. AAA Insurance
6. Liberty Mutual
7. Safeco Insurance
8. State Farm
9. Travelers
10. American Family

Top 10 Fort Wayne Car Insurance Companies Ranked by Claims Service

1. Progressive
2. Travelers
3. Liberty Mutual
4. Nationwide
5. USAA
6. GEICO
7. AAA Insurance
8. Safeco Insurance
9. Esurance
10. The General

When in doubt talk to an agent

When selecting your policy, there is no best way to insure your cars. Your situation is unique and your car insurance should be unique as well.
For example, these questions can aid in determining if your situation will benefit from professional help.

• What is medical payments coverage?
• What happens if I owe more than my Subaru Legacy is worth?
• When should I not file a claim?
• What is the ISO rating for a Subaru Legacy?
• Are my friends covered when driving my Subaru Legacy?
• Is my son or daughter covered when driving my car?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Local Fort Wayne car insurance agents

Certain consumers still prefer to go talk to an agent and that is just fine! Agents are very good at helping people manage risk and give you someone to call. One of the great benefits of comparing auto insurance online is you can get cheap auto insurance quotes and also buy local.

For easy comparison, once you complete this short form, the quote information is transmitted to companies in Fort Wayne that give free quotes for your coverage. It simplifies rate comparisons since you won’t have to search for an agent due to the fact that quote results will go immediately to your email address. In the event you want to quote rates from a specific company, you just need to search and find their rate quote page and fill out the quote form the provide.

Deciding on an insurer requires you to look at more than just a cheap quote. Any agent in Fort Wayne should be forthright in answering these questions:

• Will you work with the agent or an assistant?
• Are all drivers listed on the coverage quote?
• How much can you save by raising your physical damage deductibles?
• Do they specialize in personal lines auto insurance in Fort Wayne?
• Will a damage claim use OEM or aftermarket replacement parts?
• Are they paid to recommend certain coverages?
• Are they in the agency full-time?
• Which company do they place the most coverage with?

Best auto insurance agent in Fort Wayne

If you would like to find a local Fort Wayne insurance agency, you must know there are a couple types of agencies and how they are distinctly different. Agents are classified as either independent agents or exclusive agents depending on their employer. Both types of agents can do a good job, but it’s good to learn the differences because it can factor into the selection process.

Exclusive Insurance Agencies

Agents that elect to be exclusive can usually just insure with one company like State Farm, Allstate and AAA. They generally cannot provide rate quotes from other companies so always compare other rates. Exclusive insurance agents receive a lot of sales training on the products they sell which aids in selling service over price. Consumers often use the same exclusive agent primarily because of the prominence of the brand rather than having the cheapest rates.

Below is a short list of exclusive insurance agencies in Fort Wayne willing to provide price quote information.

• Melissa Satterthwaite – State Farm Insurance Agent
  7757 Coldwater Rd – Fort Wayne, IN 46825 – (260) 489-5503 – View Map
• American Family Insurance – Janie Laboube Agency Inc.
  2810 Beaver Ave – Fort Wayne, IN 46807 – (260) 744-9798 – View Map
• Allstate Insurance: Merle K. Maples
  3017 E State Blvd – Fort Wayne, IN 46805 – (260) 483-6583 – View Map

More insurance agents

Independent Agencies or Brokers

These agents do not have single company limitations so they have the ability to put coverage with a variety of different insurance companies and find the cheapest auto insurance rates. If your agent finds better pricing, they simply switch companies in-house and you stay with the same agent. When comparing rates, we recommend you get some free quotes from at least one independent agent to have the best price comparison. Most have the option of insuring with companies that do not advertise much who may have lower rates.

Below are independent insurance agencies in Fort Wayne that can give you comparison quotes.

• Masters Insurance Fort Wayne Indiana
  4324 Flagstaff Cove – Fort Wayne, IN 46815 – (260) 702-0945 – View Map
• Synergy Financial Group
  9326 Coldwater Rd – Fort Wayne, IN 46825 – (260) 490-8822 – View Map
• Sourceone Group
  6628 Constitution Dr – Fort Wayne, IN 46804 – (260) 436-3544 – View Map

More insurance agents

After talking to the agent and getting satisfactory answers to your questions as well as a affordable price, you may have just found an insurance agency that is professional and can properly insure your vehicles. It’s important to know that policyholders can cancel your policy whenever you want so never feel that you are permanently stuck with a policy with no way to switch.