Insurance for Honda InsightDo you want a faster way to compare cheaper Honda Insight insurance in Fort Wayne? Have you finally had enough of paying out the nose to pay your auto insurance bill each month? You're in the same situation as many other drivers in Indiana.

It's hard to fathom, but the majority of drivers have stayed with the same insurance company for well over three years, and practically 40% of auto insurance customers have never even compared rates from other companies. Drivers in Fort Wayne can save hundreds of dollars each year by just comparing rate quotes, but they don't want to spend time to find cheap insurance by shopping around. Online insurance companies like Allstate, Liberty Mutual and State Farm promote their brand names with TV and radio ads and it is difficult to ignore the propaganda and find the best price available.

Smart consumers take time to get comparison quotes before your next renewal since insurance prices are usually higher with each renewal. Despite the fact that you may have had the best price on Honda Insight insurance in Fort Wayne a couple years back you will most likely find a better rate quote today. Forget all the misinformation about auto insurance because you're about to find out one of the easiest ways to find the best coverage while lowering your premiums.

Get cheaper Honda Insight insurance in Fort Wayne with discounts

Insuring your vehicles can cost a lot, but you can get discounts to help offset the cost. A few discounts will automatically apply at the time you complete a quote, but some must be asked for in order for you to get them. If you do not double check each discount possible, you could be paying more than you need to.Car insurance discounts

While discounts sound great, it's important to understand that most of the big mark downs will not be given to the entire policy premium. Most only cut individual premiums such as collision or personal injury protection. So when the math indicates all those discounts means the company will pay you, you aren't that lucky. But any discount will positively reduce your premiums.

To view insurance companies with discount car insurance rates in Fort Wayne, click this link.

The quickest method we recommend to compare car insurance rates for Honda Insight insurance in Fort Wayne is to know car insurance companies pay for the opportunity to provide you with free rate quotes. To begin a comparison, all you need to do is give them rating details including how old drivers are, if it has an anti-theft system, marital status, and if your license is active. That rating data is automatically sent to many different companies and you receive quotes with very little delay.

To compare multiple company cheaper Honda Insight insurance rates now, click here and complete the quick form.

The car insurance companies shown below offer price quotes in Indiana. If several companies are displayed, it's a good idea that you click on several of them to get the most affordable price.

Honda Insight Insurance Rates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Insight LX $150 $340 $340 $20 $102 $952 $79
Insight EX $136 $288 $264 $16 $80 $784 $65
Get Your Own Custom Quote Go

Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Table data does not factor in specific garaging location which can modify coverage rates greatly.

Drive responsibly or pay higher rates

The diagram below demonstrates how traffic citations and at-fault collisions can drive up Honda Insight premium costs for different age groups of insureds. The data is based on a married female driver, full coverage, $250 deductibles, and no additional discounts are factored in.

An analysis of deductible level

A question often asked by Fort Wayne drivers is which comprehensive and collision deductibles to buy. The data tables below may aid in understanding the difference in cost between low and high physical damage deductibles. The first data set uses a $100 physical damage coverage deductible and the second price table uses a $500 deductible.

Honda Insight insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Insight LX $210 $436 $280 $16 $84 $1,051 $88
Insight EX $242 $514 $280 $16 $84 $1,161 $97
Get Your Own Custom Quote Go
Honda Insight insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Insight LX $154 $294 $280 $16 $84 $828 $69
Insight EX $176 $348 $280 $16 $84 $904 $75
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Rate quotes do not factor in specific garaging location which can revise rates considerably.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you roughly $21 more each month or $252 each year than quoting the higher $500 deductible. Because you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you usually have at a minimum 19 months between claim filings, you would probably come out ahead if you decide on a higher deductible. The numbers below show an example of how you can do this calculation yourself.

Average monthly premium for $100 deductibles: $93
Average monthly premium for $500 deductibles (subtract): - $72
Monthly savings from raising deductible: $21
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $21
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

Physical damage deductibles

The chart below highlights how deductible selection and can change Honda Insight annual premium costs for different age groups. Data assumes a married male driver, full physical damage coverage, and no discounts are applied to the premium.

Buying from insurance agencies

A small number of people prefer to sit down with an agent and that is OK! Experienced insurance agents can help you build your policy and give you someone to call. One of the great benefits of comparing rate quotes online is the fact that drivers can get the lowest rates and still have a local agent. And buying from small agencies is important particularly in Fort Wayne.

By using this quick form, your insurance coverage information is submitted to local insurance agents that can give you free Fort Wayne car insurance quotes for your business. You never need to drive around as quotes are delivered directly to you. In the event you want to compare prices from a specific insurance company, don't hesitate to search and find their rate quote page and fill out their quote form.

When finding a local Fort Wayne insurance agent, you must know there are a couple types of agencies and how they are distinctly different. Car insurance agents are classified as either exclusive or independent agents depending on their company appointments. Both write car insurance policies, but it's worth learning how they differ because it can impact the type of agent you choose.

Independent Car Insurance Agents

Agents in the independent channel are not restricted to one company and that is an advantage because they can write policies with a variety of different insurance companies and find the cheapest rate. If your premiums go up, the agent simply finds a different carrier and you can keep the same agent. When searching for an agent, we recommend you check rates from at least one independent agent to get the most accurate price comparison.

The following are independent insurance agents in Fort Wayne who may be able to give you free car insurance rate quotes.

807 Lincoln Hwy W - New Haven, IN 46774 - (260) 749-9696 - View Map

6110 Bluffton Rd #110 - Fort Wayne, IN 46809 - (260) 478-9405 - View Map

707 Airport North Office Park - Fort Wayne, IN 46825 - (260) 482-6700 - View Map

More Fort Wayne agents

Exclusive Car Insurance Agents

Agents in the exclusive channel normally can only provide a single company's rates such as Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot place coverage with different providers so they have no alternatives for high prices. Exclusive agents are well schooled in insurance sales which helps overcome the inability to quote other rates.

Listed below are Fort Wayne exclusive agents willing to provide price quote information.

702 W Coliseum Blvd d - Fort Wayne, IN 46808 - (260) 484-5577 - View Map

4340 Maplecrest Rd - Fort Wayne, IN 46815 - (260) 486-3883 - View Map

2810 Beaver Ave - Fort Wayne, IN 46807 - (260) 744-9798 - View Map

More Fort Wayne agents

Finding the right insurance agency is decision based upon more than just a cheap quote. Some important questions to ask are:

The lowest rates come from being thorough

Throughout this article, we presented many ways to compare Honda Insight insurance premium rates in Fort Wayne. The most important thing to understand is the more price quotes you have, the better your chances of lowering your prices. You may even discover the lowest premium rates are with some of the lesser-known companies. These companies may have significantly lower prices on certain market segments than their larger competitors like State Farm or Progressive.

Cost effective Honda Insight insurance can be purchased from both online companies in addition to local insurance agencies, and you should compare rates from both in order to have the best chance of saving money. Some insurance companies do not offer the ability to get a quote online and most of the time these smaller companies prefer to sell through independent agents.

When trying to cut insurance costs, you should never sacrifice coverage to reduce premiums. In many instances, an insured cut comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. The aim is to find the BEST coverage at an affordable rate while still protecting your assets.

Helpful articles