Insurance quote for Honda CR-V in Fort WayneIf you are new to getting Fort Wayne auto insurance quotes online, you can be overwhelmed by the large number of car insurance companies offering insurance in Fort Wayne.

It's hard to fathom, but most Indiana car insurance customers kept their coverage with the same car insurance company for four years or more, and 38% of customers have never even compared rates from other companies. With the average car insurance premium being $1,847, American drivers can save $850 each year by just comparing rate quotes, but most just don't grasp how much they could save if they switched.

Smart consumers take time to take a look at other company's rates once or twice a year since prices go up and down regularly. Even if you got the best deal on Honda CR-V insurance in Fort Wayne two years ago you may be paying too much now. Forget anything you know (or think you know) about car insurance because I'm going to let you in on the secrets to how to quote online to find great coverage at a great price.

Fort Wayne Insurance Prices are Influenced by These Factors

Consumers need to have an understanding of the factors that are used to determine your auto insurance rates. When you understand what impacts premium levels, this empowers consumers to make smart changes that could help you find big savings.

The following are a few of the "ingredients" used by companies to determine your premiums.

Compare Honda CR-V insurance rates

Most companies like Allstate and Progressive allow consumers to get prices on the web. Getting online quotes for Honda CR-V insurance in Fort Wayne is pretty painless because it's just a matter of typing in your required coverages on the page. After you complete the form, their rating system sends out for your credit score and driving record and generates pricing information.

This simplifies rate comparisons, and it's also necessary to get many rate quotes in order to get the most affordable premium possible.

To compare rates now, compare rates now from the companies shown below. If you have a policy now, it's recommended you enter the limits and deductibles just like they are on your policy. Using the same limits helps guarantee you're receiving a price comparison based on the exact same insurance coverage.

The companies shown below have been selected to offer comparison quotes in Indiana. If multiple providers are shown, it's highly recommended you click on several of them to get the cheapest price.

Honda CR-V Insurance Cost Estimates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $130 $232 $322 $20 $96 $800 $67
CR-V EX 2WD $202 $406 $310 $18 $92 $1,028 $86
CR-V LX 4WD $170 $298 $322 $20 $96 $906 $76
CR-V EX 4WD $132 $218 $288 $18 $86 $742 $62
CR-V EX-L 2WD $152 $188 $312 $18 $94 $764 $64
CR-V EX-L 4WD $220 $330 $246 $14 $74 $884 $74
Get Your Own Custom Quote Go

Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Price information does not factor in specific zip code location which can raise or lower price quotes considerably.

Deductible comparison

The chart below illustrates how your choice of deductibles and can influence Honda CR-V insurance premiums for different age groups of insureds. The information is based on a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Auto insurance is not optional but you don't have to overpay

Despite the high cost, insurance may not be optional for several reasons.

The benefits of buying auto insurance more than cancel out the cost, especially when you need to use it. In a recent study of 1,000 drivers, the average customer is wasting up to $865 each year so it's very important to do a rate comparison at every policy renewal to save money.

Discounts for cheaper auto insurance quotes

Auto insurance is not an enjoyable expense, but there may be some discounts to help offset the cost. Certain discounts will be triggered automatically when you get a quote, but less common discounts must be specially asked for before they will apply.Cheaper auto insurance with discounts

Please keep in mind that most discounts do not apply to the whole policy. Some only reduce the cost of specific coverages such as comprehensive or collision. So even though it sounds like having all the discounts means you get insurance for free, you won't be that lucky.

To locate insurance companies with discount auto insurance rates in Indiana, click here.

Insurance agent or online?

Some people just want to sit down and talk to an agent and doing that can be a smart decision An additional benefit of comparing insurance online is that you can obtain better rates and still buy from a local agent.

Once you complete this quick form, your information is submitted to agents in your area who will give you quotes for your coverage. It makes it easy because there is no need to search for any insurance agencies since price quotes are sent straight to your inbox. You'll get the best rates and an insurance agent to talk to. If you need to get a comparison quote from a specific company, don't hesitate to jump over to their website to submit a rate quote request.

Deciding on an provider is decision based upon more than just a cheap price. These are valid questions to ask:

When searching for a local agent, there are two types of agencies that you can choose from. Insurance agents in Fort Wayne can be categorized as either exclusive or independent (non-exclusive).

Exclusive Agencies

Exclusive agents can only provide one company's prices and some examples include State Farm, Allstate and AAA. Exclusive agencies are unable to provide other company's prices so they have no alternatives for high prices. These agents are usually quite knowledgeable on the products they sell and that enables them to sell even at higher rates. Consumers frequently choose to use a exclusive agent partially due to high brand loyalty and the convenience of having a single billing for all their coverages.

Listed below is a list of exclusive agents in Fort Wayne that are able to give price quotes.

More insurance agents

Independent Insurance Agencies

Agents that choose to be independent can quote rates with many companies and that is an advantage because they can write policies with lots of companies enabling the ability to shop coverage around. If you are not satisfied with one company, your agent can just switch to a different company and the insured can keep the same agent.

If you need cheaper insurance rates, you need to get rate quotes from a couple of independent agencies for the best price selection. Many independent agencies also insure through mutual insurance companies that may have much lower rates than larger companies.

The following are Fort Wayne independent agents that are able to give rate quotes.

More insurance agents

Situations that may require an agent's advice

Keep in mind that when it comes to choosing the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone's situation is a little different.Safe vehicles cost less to insure

For instance, these questions may help highlight if your situation could use an agent's help.

If you're not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

One last note

As you go through the steps to switch your coverage, it's a bad idea to sacrifice coverage to reduce premiums. Too many times, an accident victim reduced liability coverage limits and found out when filing a claim that they should have had better coverage. Your goal should be to buy the best coverage you can find at the lowest possible cost and still be able to protect your assets.

The cheapest Honda CR-V insurance in Fort Wayne is possible from both online companies as well as from insurance agents, so you need to shop Fort Wayne auto insurance with both to have the best chance of lowering rates. Some companies may not offer the ability to get a quote online and these regional carriers work with independent agencies.

You just learned quite a bit of information on how to compare Honda CR-V insurance car insurance rates in Fort Wayne. It's most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest car insurance rates come from some of the lesser-known companies.

Much more information about auto insurance in Indiana is located at these links: