Has it been over a year since you last compared quotes for more competitive Chevy Captiva Sport insurance in Fort Wayne? Are you regretting the purchase of an underperforming, overpriced auto insurance policy? Don't sweat it because many Fort Wayne consumers are in the same pinch.
Unthinkable but true, over 70% of consumers kept buying from the same company for more than four years, and practically 40% of auto insurance customers have never compared quotes from other companies. Most drivers in Indiana could pocket as much as 55% a year just by getting comparison quotes, but they mistakenly think it's difficult to compare rate quotes online. Insurance companies such as GEICO and Progressive promote their brand names with ads and consumers find it hard to not get sucked in by the cute commercials and find the best price available.
Affordable Chevy insurance prices in Fort Wayne
The following companies have been selected to offer price quotes in Fort Wayne, IN. If multiple companies are shown, we recommend you visit as many as you can to get the lowest price.
How Your Captiva Sport Insurance Premiums are Determined
The best way to find cheaper car insurance is to take a look at the factors that help calculate car insurance rates. When consumers understand what influences your rates, this allows you to make educated decisions that can earn you big savings.
The items below are some of the most common factors used by your company to calculate premiums.
Increase deductibles to save - The deductibles are the amount of money you are required to pay before your car insurance pays a claim. Insurance for physical damage, also known as collision and other-than-collision, protects your car from damage. Examples of covered claims would be rearending another vehicle, vandalism, or theft of your vehicle. The more you have to pay, the less money you will pay for car insurance.
Prevent coverage lapses - Letting your insurance expire is a guaranteed way to bump up your car insurance costs. Not only will you pay more, getting caught without coverage could earn you fines or a revoked license. You may have to submit proof of financial responsibility or a SR-22 with the Indiana DMV.
Policy add-ons add up - Insurance policies have a lot of optional add-on coverages you can purchase if you aren't careful. Things like coverage for rental cars, better glass coverage, and Farm Bureau memberships may be costing you every month. They may seem like a good idea when talking to your agent, but if you've never needed them in the past think about removing them and cutting costs.
Drive fewer miles and save - Driving a lot of miles each year the more it will cost to insure it. The majority of insurers rate vehicles based upon how much you drive. Cars used primarily for pleasure use qualify for better rates than those used for commuting. Having the wrong rating on your Captiva Sport is just wasting money. Double check that your car insurance policy is rated on the right rating data, because it can save money.
Chevy Captiva Sport claim probability - Auto insurance companies include the past claim history for a vehicle to determine a rate that will be profitable for them. Vehicles that have higher claim amounts or frequency will have higher rates. The table below demonstrates the insurance loss data for Chevy Captiva Sport vehicles.
For each policy coverage type, the claim probability for all vehicles averaged together is equal to 100. Values that are 100 or less indicate a favorable loss history, while values that are above 100 indicate more frequent claims or larger claims.
Insurance Loss Ratings for Chevrolet Captiva Sport Vehicles
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Chevrolet Captiva Sport 4dr 2WD||89||95||88||123||115||105|
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Slash rates with these discounts on Chevy Captiva Sport insurance in Fort Wayne
Companies that sell car insurance don't always list every policy discount in an easy-to-find place, so the following is a list of both the well known and also the lesser-known discounts that you can inquire about if you buy Fort Wayne auto insurance online.
- Service Members Pay Less - Being deployed in the military could be rewarded with lower prices.
- Government Employees - Active or retired federal employment can earn a discount up to 10% depending on your company.
- Driver's Education for Students - Teen drivers should successfully complete driver's ed class as it can save substantially.
- Pay Early and Save - If you pay your entire premium ahead of time as opposed to paying monthly you could save up to 5%.
- Low Mileage Discounts - Maintaining low annual mileage could earn lower insurance rates on the low mileage vehicles.
- Student Discounts - Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
As a sidenote, many deductions do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though you would think all those discounts means the company will pay you, you're out of luck.
To choose providers with significant discounts in Fort Wayne, follow this link.
Local neighborhood insurance agents
Many drivers just prefer to buy from a local agent and that is just fine! Experienced insurance agents will help you protect your assets and help in the event of a claim. An additional benefit of comparing rate quotes online is you may find lower rates and still have a local agent. Putting coverage with local insurance agencies is definitely important in Fort Wayne.
To help locate an agent, after submitting this short form, the quote information is transmitted to local insurance agents in Fort Wayne that can give you free Fort Wayne auto insurance quotes for your business. There is no need to even leave your home due to the fact that quote results will go to you instantly. In the event you want to get a rate quote from a specific company, you would need to search and find their rate quote page and give them your coverage information.
When researching a local agent, you need to know there are two different types of agencies to choose from. Auto insurance agencies are considered either independent (non-exclusive) or exclusive. Both provide auto insurance policies, but it's important to know why they differ since it may influence the type of agent you choose.
Independent Auto Insurance Agents
Agents in the independent channel do not have single company limitations so they can quote policies amongst many companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, they can switch companies in-house and you don't have to find a new agent. When comparing rate quotes, we recommend you get insurance quotes from several independent insurance agents in order to have the best price comparison.
Shown below is a small list of independent insurance agencies in Fort Wayne that can possibly get you free rate quotes.
Exclusive Insurance Agencies
Exclusive agencies generally can only insure with one company like AAA, Allstate, and State Farm. Exclusive agencies are unable to shop your coverage around so you need to shop around if the rates are high. Exclusive agencies are well schooled on their company's products and that allows them to sell at a higher price point.
Shown below are exclusive insurance agents in Fort Wayne who can help you get comparison quotes.
Melissa Satterthwaite - State Farm Insurance Agent
7757 Coldwater Rd - Fort Wayne, IN 46825 - (260) 489-5503 - View Map
Finding the right car insurance agent is decision based upon more than just a low price. Here are some questions to ask:
- Will you work with the agent or an assistant?
- Which insurance companies are they affiliated with?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Does the agency support the community they serve?
- How long have they been in business?
- Does the agent help file claims?
- How would your car be valued if totalled?
- Do they have 24-hour customer assistance?
Insurance advertising tricks
Consumers in Indiana can't ignore all the ads that claim the cheapest prices by companies like State Farm, GEICO and Progressive. All the ads have a common claim about saving some big amount if you switch your insurance coverage to their company.
How does each company sell you cheaper insurance coverage?
Insurance companies have specific guidelines for the type of driver they prefer to insure. One example of a desirable insured might have to be a female over age 40, carries high limits, and chooses high deductibles. Anyone who matches that profile receive the lowest rate quotes in Fort Wayne and have a good chance to save quite a bit of money when switching.
People who do not match this stringent profile will be charged a more expensive rate which leads to business going elsewhere. Company advertisements say "customers who switch" not "everyone that quotes" save the amount stated. That's the way companies can advertise the way they do.
Each company has different criteria, so it's extremely important to get Fort Wayne auto insurance quotes from several different companies. It's not possible to predict which insurance company will have the lowest prices for your situation.
When do I need an agent's advice?
When it comes to buying adequate coverage for your vehicles, there really is not a best way to insure your cars. Every insured's situation is different.
Here are some questions about coverages that might point out whether or not you might need an agent's assistance.
- Why does it cost so much to insure a teen driver in Fort Wayne?
- What is glass protection for?
- Am I covered if I hit a deer?
- How much will a speeding ticket raise my rates?
- What does UM/UIM cover?
- Am I covered by my employer's commercial auto policy when driving my personal car for business?
- Does car insurance cover theft of personal property?
- Is there coverage for injuries to my pets?
- When does my teenage driver need to be added to my policy?
If it's difficult to answer those questions then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form. It's fast, free and may give you better protection.
Smart consumers save more
You just read many ideas to save on Chevy Captiva Sport insurance in Fort Wayne. The most important thing to understand is the more companies you get prices for, the better likelihood of getting affordable Fort Wayne auto insurance quotes. You may even be surprised to find that the lowest premium rates come from a small mutual company.
More affordable car insurance in Fort Wayne can be bought online as well as from independent agents in Fort Wayne, and you should compare rates from both to have the best selection. Some car insurance companies may not have online price quotes and most of the time these small insurance companies sell through independent insurance agencies.
As you go through the steps to switch your coverage, you should never reduce needed coverages to save money. There have been many cases where an insured dropped physical damage coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase plenty of coverage for the lowest cost but still have enough coverage for asset protection.
Additional car insurance information can be read on the following sites:
- Smart Auto Insurance Tips (Insurance Information Institute)
- What Insurance is Cheapest for a Chevrolet Equinox in Indiana? (FAQ)
- Who Has Cheap Auto Insurance for a Chevrolet Silverado in Indiana? (FAQ)
- What is the Best Car Insurance in Columbus, IN? (FAQ)
- Who Has Affordable Indiana Auto Insurance for Teachers? (FAQ)
- Who Has Affordable Car Insurance for a Dodge Ram in Indiana? (FAQ)
- Vehicle Insurance (Wikipedia)
- Teen Driver Licensing Information (iihs.org)