Want the cheapest Chrysler 200 insurance in Fort Wayne? Scraping up a payment for pricey Chrysler 200 insurance in Fort Wayne can drain your savings account and force you to make tough financial choices. Comparing cost estimates is a smart way to reduce premiums and put more money in your pocket.
Remarkably, a study showed that the majority of drivers have purchased from the same company for over three years, and approximately 40% of consumers have never compared quotes from other companies. Many consumers in Fort Wayne can save hundreds of dollars each year by just shopping around, but they don't know the big savings they would realize if they switched to a more affordable policy.
With so many companies to choose from that have cheap insurance for a Chrysler 200 in Fort Wayne, it is hard for the average consumer to find the right auto insurance provider.
To find affordable Fort Wayne car insurance quotes, there are several ways of comparing rates from auto insurance companies in your area. The best way to do a complete rate comparison is to perform an online rate comparison.
Online shopping is fast and free, and it replaces the need to physically go to local Fort Wayne insurance agencies. Comparing Chrysler 200 insurance rates online can eliminate the need for a local agent unless you're the type of person who wants the peace of mind that only an agent can give. However, consumers can price shop online but still have the advice of a local agent. When price shopping your coverage, obtaining a wide range of quotes helps increase your odds of locating the best offered rates.
The following companies are our best choices to provide comparison quotes in Fort Wayne, IN. If multiple companies are shown, we suggest you click on several of them to get the best price comparison.
Auto insurance policy discounts for Chrysler 200 insurance in Fort Wayne
Car insurance companies do not list every possible discount very well, so the list below gives a summary of some of the more common and the harder-to-find ways to save on auto insurance.
- Waiver for an Accident - Not really a discount, but companies like State Farm, Progressive and GEICO will forgive one accident without getting socked with a rate hike so long as you haven't had any claims for a specific time period.
- Driver Safety - Taking a defensive driver class could possibly earn you a 5% discount if you qualify.
- Discount for Life Insurance - Not every insurance company offers life insurance, but if they do you may earn lower premium rates if you buy a life insurance policy as well.
- Claim-Free Discount - Claim-free drivers pay much less compared to bad drivers.
- Anti-theft Discount - Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.
- Low Mileage Discounts - Driving fewer miles could qualify for discounted rates on garaged vehicles.
- Federal Employees - Federal government employees could provide a small rate reduction with a few auto insurance companies.
A little disclaimer on discounts, most credits do not apply to your bottom line cost. Most only reduce specific coverage prices like liability and collision coverage. Just because you may think all the discounts add up to a free policy, nobody gets a free ride. Any amount of discount should help lower your policy premiums.
The best auto insurance companies and some of their more popular discounts are shown below.
- American Family discounts include TimeAway discount, good student, air bags, good driver, and accident-free.
- State Farm includes discounts for good driver, multiple autos, accident-free, safe vehicle, driver's education, student away at school, and Drive Safe & Save.
- 21st Century has savings for air bags, teen driver, 55 and older, homeowners, good student, theft prevention, and student driver.
- Travelers may have discounts that include new car, payment discounts, IntelliDrive, save driver, continuous insurance, and multi-car.
- GEICO policyholders can earn discounts including anti-theft, daytime running lights, military active duty, good student, air bags, seat belt use, and membership and employees.
If you are trying to find the cheapest Chrysler 200 rate quotes, ask every company how you can save money. Some discounts listed above might not apply in your area. To see providers with discount rates in Indiana, click this link.
Eight Things That Affect Your Insurance Premiums
Consumers need to have an understanding of the factors that are used to determine auto insurance rates. If you know what controls the rates you pay, this helps enable you to make changes that could help you find lower premium levels.
Accidents can be expensive - Your driving record can have a huge impact on auto insurance premiums. Just one moving violation may increase your cost to the point where it's not affordable. Careful drivers have lower premiums as compared to careless drivers. Drivers who have license-revoking tickets like reckless driving or DUI may find that they have to to submit a SR-22 or proof of financial responsibility with their state in order to prevent their license from being revoked.
Males tend to take more risk - Statistics demonstrate females are less aggressive when driving. It does not mean males are worse at driving than females. Both sexes tend to get into at-fault accidents in similar numbers, but men get into accidents with more damage. Not only are claims higher, but men get ticketed for serious violations like driving under the influence (DUI). Young men ages 16 to 20 are several times more likely to be in an accident and thus pay the highest rates.
What are your physical damage deductibles? - Insurance for physical damage to your car, aka comp and collision, protects your Chrysler from damage. Some instances where coverage would apply are a windshield shattered by a rock, hail damage, and rolling your vehicle. Your deductibles are the amount of money you are willing to pay if a claim is determined to be covered. The more expense the insured has to pay upfront, the less money you will pay for auto insurance.
Do you really need the add-on coverages? - Insurance policies have a lot of additional coverages that can add up on your auto insurance policy. Coverage for things like replacement cost coverage, high-cost glass coverage, and term life insurance are probably not needed. The coverages may be enticing at first, but now you might not need them so think about removing them and cutting costs.
Stress out and pay more - Did you know your auto insurance rates can be affected by your occupation? Occupations like fire fighters, social workers and financial analysts have higher rates than average due to stressful work requirements and lots of time spent away from family. Other careers such as professors, students and homemakers receive lower rates.
See if your company offers a multi-policy discount - Many companies afford discounts to insureds who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount applied, drivers will still want to comparison shop to help ensure you have the lowest rates.
You might want pay the small insurance claims yourself - If you frequently file small claims, you can look forward to higher premiums or even policy non-renewal. Car insurance companies in Indiana provide lower rates to people who do not file claims often. Insurance coverage is intended to be relied upon for the large, substantial claims.
The type of car you drive affects your premiums - The performance of the vehicle you need insurance for makes a huge difference in how high your rates are. Since the Chrysler 200 falls in the passenger car class, insurance will be similar in price or lower compared to average rates in Fort Wayne. Small economy passenger vehicles receive the most favorable rates, but that's not the only thing that factors into the final price.
Insurance losses for a Chrysler 200 - Insurance companies factor in historical loss data to help calculate a profitable premium rate. Models that historically have a higher amount or frequency of claims will have higher rates for specific coverages.
The table below demonstrates the historical loss data for Chrysler 200 vehicles. For each type of coverage, the statistical loss for all vehicles as a whole is set at 100. Values that are 100 or less suggest losses that are better than average, while numbers above 100 show a trend for more claims or an increased probability of a larger loss.
Car Insurance Loss Data for Chrysler 200 Models
|Vehicle Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Chrysler 200 2WD||117||113||116||174||189||152|
|Chrysler 200 4WD||117||112||108||127|
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Compare prices but buy from a local neighborhood Fort Wayne car insurance agent
Many people still like to sit down and talk to an agent and that is OK! A nice benefit of getting free rate quotes online is you can get the lowest rates and still have a local agent. And providing support for neighborhood insurance agencies is definitely important in Fort Wayne.
Upon completion of this quick form, your coverage information is emailed to companies in Fort Wayne that can provide free Fort Wayne car insurance quotes for your insurance coverage. There is no need to search for any insurance agencies since price quotes are sent to the email address you provide. You can find the lowest rates AND an agent nearby. If you have a need to quote rates from a specific insurance company, you just need to find their quoting web page and submit a quote form there.
Choose the right car insurance agent
If you would like to find a good Fort Wayne insurance agent, you must know there are a couple types of agencies and how they work. Insurance policy providers may be either exclusive or independent.
Independent Insurance Agencies or Brokers
Independent insurance agents can sell policies from many different companies and that allows them to write policies with an assortment of companies and find you the best rates. If you want to switch companies, your agent can switch companies which requires no work on your part.
When comparing rates, it's recommended you get some free quotes from at a minimum one independent agency for maximum quote selection.
Below is a list of independent insurance agencies in Fort Wayne that may be able to provide free insurance quotes.
Exclusive Insurance Agencies
Exclusive agencies can only quote rates from one company and examples are Allstate, State Farm and Farmers Insurance. These agents are not able to compare other company's rates so keep that in mind. Exclusive agents receive a lot of sales training in insurance sales which helps offset the inability to provide other markets.
The following is a short list of exclusive agents in Fort Wayne that are able to give comparison quotes.
Picking an insurance agency is decision based upon more than just a cheap price. These are some questions you should get answers to.
- Which companies do they recommend if they are an independent agency?
- Are you getting all the discounts the company offers?
- Did they already check your driving record and credit reports?
- Are they able to influence company decisions when a claim is filed?
- Which family members are covered?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
Upon receiving answers to your satisfaction to any questions you may have as well as a affordable price, it's possible that you found a car insurance agent that is reputable and can properly insure your vehicles. But remember, it's your coverage and you can terminate your policy any time you want so don't think you are locked into any specific company for the full policy term.
Auto insurance companies are expert advertisers
Well-known auto insurance companies like State Farm, Allstate and GEICO regularly use ads on television and other media. They all seem to make the point about how much you will save just by switching your coverage. How do they all give you a better price on Chrysler 200 insurance in Fort Wayne?
Most companies quote their cheapest rates for the type of driver that is profitable for them. One example of a desirable insured might be described as over the age of 40, owns their home, and has a short commute. A customer who matches those parameters will probably get the lowest premium rates and therefore will save when they switch companies.
Drivers who don't qualify for this stringent profile may receive higher premiums which leads to the driver buying from a lower-cost company. The trick is to say "customers who switch" but not "all drivers who get quotes" save that much when switching. This is how companies can advertise the savings.
Because of these techniques, it is so important to get as many free Fort Wayne car insurance quotes as possible. It's just too difficult to predict the company that will have the best rates for your profile.
Affordable coverage is out there
Cost effective Chrysler 200 insurance can be purchased on the web and from local agencies, so get free Fort Wayne car insurance quotes from both of them to get a complete price analysis. A few companies do not provide rates over the internet and these smaller companies prefer to sell through independent agents.
When searching for low cost Fort Wayne car insurance quotes, it's very important that you do not skimp on coverage in order to save money. There are too many instances where someone dropped liability limits or collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy enough coverage for the lowest cost, not the least amount of coverage.
Additional information is available at the links below
- Frontal Crash Tests (iihs.org)
- Who Has Cheap Indiana Auto Insurance for a Honda Pilot? (FAQ)
- What is the Cheapest Auto Insurance in Indianapolis, IN? (FAQ)
- Who Has the Cheapest Auto Insurance for Drivers with Good Credit in Indiana? (FAQ)
- What is Full Coverage? (Allstate)
- Auto Insurance Learning Center (State Farm)
- Rental Car Insurance Tips (Insurance Information Institute)