Insurance quote for Dodge Charger in Fort WayneWant cheaper Dodge Charger insurance in Fort Wayne? Sick and tired of scraping nickels together to pay your auto insurance bill each month? You have the same problem as many other Indiana consumers.

Unfortunately, almost 70% of insureds in Indiana kept their coverage with the same auto insurance company for more than four years, and virtually 40% of consumers have never taken the time to shop around. With the average premium in the United States being $1,847, drivers can save hundreds of dollars each year just by getting comparison quotes, but they don't believe the rate savings if they switched to a cheaper policy.

There is such a variety of insurance companies to choose from, and though it is a good thing to be able to choose, lots of choices makes it harder to compare rates and cut insurance costs.

You should make it a habit to price shop coverage every six months because prices fluctuate regularly. Even if you got the best rate on Dodge Charger insurance in Fort Wayne a couple years back you can probably find a better premium rate now. You can search a lot of Charger insurance on the internet, but in a few minutes you can learn a bunch of ideas how to stop overpaying for insurance in Fort Wayne.

When shopping for affordable Fort Wayne auto insurance quotes, there are a couple of ways to compare prices from all the different companies. One of the best ways to find the cheapest Dodge Charger insurance rates consists of shopping online.

It's so simple to compare insurance rate quotes online makes it a waste of time to drive to each insurance agency near you. Comparing online rate quotes has reduced the need for local agents unless you require the trained advice of a local Fort Wayne agent. Some companies do allow you to comparison shop online but buy from a local insurance agent.

When quoting insurance, remember that comparing a wide range of rates will enable you to find lower pricing.

The companies in the list below are ready to provide free rate quotes in Indiana. If more than one company is shown, we suggest you click on several of them to get the best price comparison.

Dodge Charger Insurance Rates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $144 $280 $396 $24 $118 $962 $80
Charger $246 $428 $474 $28 $142 $1,318 $110
Charger AWD $154 $250 $362 $22 $108 $896 $75
Charger 3.5 AWD $164 $266 $358 $22 $108 $918 $77
Charger SXT $252 $348 $460 $28 $138 $1,226 $102
Charger SXT AWD $302 $530 $474 $28 $142 $1,476 $123
Charger Rallye $144 $266 $396 $24 $118 $948 $79
Charger R/T $262 $560 $456 $28 $136 $1,442 $120
Charger Rallye AWD $222 $400 $350 $20 $106 $1,098 $92
Charger R/T AWD $232 $412 $330 $20 $98 $1,092 $91
Charger SRT-8 $182 $358 $424 $26 $128 $1,118 $93
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Estimates do not factor in your specific Fort Wayne location which can affect auto insurance rates considerably.

Full coverage rates vs. liability-only in Fort Wayne

The diagram below shows the difference between Dodge Charger premium costs with full physical damage coverage compared to only buying liability only. The premiums assume no violations or accidents, $1,000 deductibles, married female driver, and no discounts are applied to the premium.

When to stop buying physical damage coverage

There is no definitive guideline that is best for determining when to drop full coverage, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than around 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.

For example, let's assume your Dodge Charger replacement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $3,000 after paying the physical damage deductible. If it's costing in excess of $300 annually for your policy with full coverage, then you might consider buying liability only.

There are some circumstances where buying only liability insurance is not financially feasible. If you haven't satisfied your loan, you have to keep full coverage as part of the loan conditions. Also, if you can't afford to buy a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.

Car insurance rates by gender and age

The illustration below illustrates the comparison of Dodge Charger yearly insurance costs for male and female drivers. The premiums assume no accidents or driving violations, full physical damage coverage, $250 deductibles, single marital status, and no discounts are applied to the premium.

Poor driving habits will raise your car insurance rates

The example below shows how speeding tickets and fender-benders impact Dodge Charger annual premium costs for different age groups of insureds. The price estimates are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.

Auto insurance rates and discounts

Insuring your vehicles can cost a lot, but you might be missing out on some discounts to help bring down the price. Some trigger automatically when you purchase, but a few need to be inquired about in order for you to get them.Auto insurance discounts

Remember that some of the credits will not apply to the overall cost of the policy. Most only apply to specific coverage prices like collision or personal injury protection. Just because you may think it's possible to get free car insurance, it just doesn't work that way.

Companies that may include these discounts possibly include:

When getting a coverage quote, ask every insurance company which discounts they offer. Some discounts listed above might not be offered on policies in Fort Wayne. To see a list of auto insurance companies that have a full spectrum of discounts in Fort Wayne, click this link.

Learn How to Find Car Insurance More Affordably

An important part of buying insurance is that you know a few of the rating criteria that help determine the rates you pay for car insurance. If you have a feel for what impacts premium levels, this enables you to make decisions that can earn you big savings.

Compare prices but work with a local Fort Wayne insurance agency

Many drivers just want to talk to a local agent and doing so can bring peace of mind The biggest benefit of comparing rates online is that drivers can save money and get the best rates and still buy from a local agent. And supporting local insurance agents is definitely important in Fort Wayne.

Insurance agents in Fort WayneUpon completion of this quick form, the coverage information is emailed to local insurance agents who want to provide quotes and help you find cheaper coverage. It simplifies rate comparisons since you won't have to search for an agent because prices are sent directly to you. It's the lowest rates without the usual hassles of price shopping. If you need to get a price quote for a specific company, just find their quoting web page and fill out the quote form the provide.

Two types of Fort Wayne auto insurance agents

When searching for an insurance agent, there are two types of insurance agents and how they are slightly different. Insurance policy providers are either exclusive or independent (non-exclusive).

Independent Agents

Agents in the independent channel are not locked into one company so they can insure your vehicles with multiple insurance companies and find the cheapest rate. If your premiums go up, the business is moved internally which makes it simple for you. When comparing rates, you absolutely need to include price quotes from multiple independent agents in order to compare the most rates.

Featured below is a short list of independent insurance agencies in Fort Wayne who can help you get pricing information.

7011 Stellhorn Rd - Fort Wayne, IN 46815 - (800) 701-5909 - View Map

209 E Washington Center Rd - Fort Wayne, IN 46825 - (260) 471-7555 - View Map

5150 W Jefferson Blvd - Fort Wayne, IN 46804 - (260) 424-5600 - View Map

View more agents

Exclusive Insurance Agents

These agents can only provide pricing for a single company and examples are State Farm or Allstate. Exclusive agents are unable to give you multiple price quotes so you might not find the best rates. Exclusive insurance agents receive a lot of sales training in insurance sales which helps them sell insurance even at higher premiums.

Below are exclusive agencies in Fort Wayne that are able to give price quotes.

7105 Old Trail Rd - Fort Wayne, IN 46809 - (260) 747-2626 - View Map

Kent Paul - State Farm Insurance Agent
1505 W Dupont Rd - Fort Wayne, IN 46825 - (260) 478-2222 - View Map

5668 St Joe Rd - Fort Wayne, IN 46835 - (260) 486-8663 - View Map

View more agents

Picking the best insurance agency shouldn't rely on just the premium amount. Below are some questions you should ask.

In conclusion

Cheaper car insurance in Fort Wayne is definitely available on the web and with local Fort Wayne insurance agents, and you should compare rates from both to have the best selection. Some companies may not provide price quotes online and these small, regional companies work with independent insurance agents.

We've covered many ways to reduce Dodge Charger insurance rates online in Fort Wayne. The most important thing to understand is the more providers you compare, the higher your chance of finding the cheapest Dodge Charger rate quotes. You may even be surprised to find that the most savings is with some of the lesser-known companies. Some small companies often have lower auto insurance rates on specific markets as compared to the big name companies such as State Farm and Allstate.

More detailed car insurance information can be found by following these links: