Did you make the mistake of buying an expensive car insurance policy? You're in good company because there are many people just like you.

Discount Toyota Yaris insuranceShocking but true, almost 70% of drivers kept their policy with the same company for more than four years, and approximately 38% of consumers have never compared rates from other carriers. Fort Wayne insurance shoppers could save nearly $697 each year just by shopping around, but they assume it's a waste of time to find affordable rates by getting comparison quotes. Popular companies such as GEICO and Progressive all claim big savings with ad campaigns and consumers find it hard to see through the deception and take the time to shop coverage around.

Smart consumers take time to get comparison quotes every six months because car insurance rates are adjusted regularly by insurance companies. Even if you got the best deal on Toyota Yaris insurance in Fort Wayne a year ago you can probably find a better price now. Don't believe everything you read about Yaris insurance out there, but in just a couple of minutes you can learn some of the best ways to stop overpaying for insurance in Fort Wayne.

Auto insurance providers offering affordable prices in Indiana

The companies in the list below can provide quotes in Indiana. If multiple companies are listed, it's highly recommended you visit several of them to find the cheapest auto insurance rates.

Toyota Yaris Insurance Cost Estimates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Yaris 2-Dr Hatchback $120 $250 $304 $18 $92 $784 $65
Yaris 4-Dr Hatchback $162 $362 $264 $16 $80 $884 $74
Yaris 4-Dr Sedan $162 $362 $264 $16 $80 $884 $74
Yaris S 2-Dr Hatchback $138 $250 $304 $18 $92 $802 $67
Yaris S 4-Dr Hatchback $148 $282 $380 $22 $114 $946 $79
Yaris S 4-Dr Sedan $202 $294 $368 $22 $110 $996 $83
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Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Estimates do not factor in specific garaging location which can affect insurance rates greatly.

An analysis of deductible level

When shopping for car insurance, a common question is which deductible level should you buy. The following insurance rates summarize how much more rates are when you buy lower versus higher insurance deductibles. The first rate quote example uses a $250 deductible for comprehensive and collision coverage and the second set of prices uses a $1,000 deductible.

Toyota Yaris insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Yaris 2-Dr Hatchback $188 $366 $318 $18 $94 $1,009 $84
Yaris 4-Dr Hatchback $188 $366 $280 $16 $84 $959 $80
Yaris 4-Dr Sedan $188 $366 $280 $16 $84 $959 $80
Yaris S 2-Dr Hatchback $216 $366 $318 $18 $94 $1,037 $86
Yaris S 4-Dr Hatchback $216 $366 $280 $16 $84 $987 $82
Yaris S 4-Dr Sedan $216 $366 $280 $16 $84 $987 $82
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Toyota Yaris insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Yaris 2-Dr Hatchback $116 $230 $318 $18 $94 $776 $65
Yaris 4-Dr Hatchback $116 $230 $280 $16 $84 $726 $61
Yaris 4-Dr Sedan $116 $230 $280 $16 $84 $726 $61
Yaris S 2-Dr Hatchback $134 $230 $318 $18 $94 $794 $66
Yaris S 4-Dr Hatchback $134 $230 $280 $16 $84 $744 $62
Yaris S 4-Dr Sedan $134 $230 $280 $16 $84 $744 $62
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Premium costs do not factor in specific garaging location which can lower or raise insurance rates considerably.

Based on the figures above, using a $250 deductible will cost in the ballpark of $19 more each month or $228 a year than buying the higher $1,000 deductible. Since you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 39 months between claim filings, you would most likely save money by selecting a higher deductible.

Comparison of policy deductibles

The example below shows how different deductible levels and can affect Toyota Yaris insurance costs for each different age category. The data is based on a single male driver, comp and collision included, and no discounts are applied.

Get cheaper Toyota Yaris insurance in Fort Wayne with discounts

Some insurers don't necessarily list all discounts in an easy-to-find place, so below is a list some of the more common and the more hidden credits available to bring down your rates.Cheaper insurance with discounts

One last thing about discounts, most of the big mark downs will not be given to the entire policy premium. Some only apply to individual premiums such as comp or med pay. So when it seems like adding up those discounts means a free policy, you're out of luck. Any qualifying discounts will help reduce your policy premium.

Popular insurance companies and some of the premium reductions they offer can be read below.

When quoting, ask every prospective company which discounts can lower your rates. Some credits may not apply to policyholders in Fort Wayne. To see providers that offer many of these discounts in Indiana, click here to view.

Learn How to Lower Your Insurance Prices

An important part of buying insurance is that you know a few of the rating criteria that play a part in calculating the level of your policy premiums. When you understand what positively or negatively impacts your premiums, this enables informed choices that can help you get lower rates. Many different elements are taken into consideration when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, although others are more transparent such as your marital status or your commute time.

Pay more for higher performance vehicles - The performance of the vehicle you need to insure makes a significant difference in your auto insurance rates. The lowest rates will generally be found on economy passenger models, but many other things help determine your insurance rates. Since the Toyota Yaris is a compact car, insuring your vehicle will cost the same to a little lower when compared to the average rates in Fort Wayne.

Insurance rates for married couples - Being married can get you a discount when shopping for insurance. Having a spouse generally demonstrates drivers are less irresponsible it has been statistically shown that married drivers tend to have fewer serious accidents.

Expect high rates for teens - Older insureds are more cautious drivers, file fewer claims, and usually have better credit.Teenage drivers are proven to be inattentive and easily distracted when driving so insurance rates are higher.

Drivers with responsible credit save on insurance - Having a bad credit rating factor in determining what you pay for insurance. Insureds that have high credit scores tend to be more responsible and file fewer claims than drivers who have worse credit. If your credit leaves room for improvement, you could be paying less to insure your Toyota Yaris by improving your credit score.

Never allow your coverage to lapse - Not maintaining insurance is a big no-no and your next policy will cost more because you let your coverage lapse. And not only will insurance be more expensive, the inability to provide proof of insurance can result in a revoked license or a big fine. You may need to submit proof of financial responsibility or a SR-22 with the Indiana motor vehicle department.

Consolidate policies to earn discounts - Most major insurers will award lower prices for people who buy several policies from them. It's known as a multi-policy discount. Even if you qualify for this discount already, you still need to compare other company rates to verify if the discount is saving money.

Toyota Yaris insurance loss data - Insurers take into consideration insurance loss statistics for every vehicle when they calculate premium prices for each model. Models that tend to have higher number or severity of losses will have a higher premium rate.

The table below demonstrates the historical insurance loss data for Toyota Yaris vehicles. For each insurance policy coverage type, the claim probability for all vehicles as a whole is represented as 100. Percentages below 100 mean the vehicle has better than average losses, while percentage values above 100 point to more losses or tendancy to have larger claims.

Toyota Yaris Insurance Loss Statistics

Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Toyota Yaris 94 88 92

Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years

There's no such thing as the perfect auto insurance policy

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a "perfect" insurance plan. Everyone's situation is a little different.Drive safe and save

Here are some questions about coverages that might point out whether or not you may require specific advice.

If you don't know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can help protect your family.

Shop online but buy locally

A lot of people still like to talk to a local agent and that is recommended in a lot of cases Professional insurance agents are very good at helping people manage risk and give you someone to call. One of the great benefits of comparing insurance prices online is that you can find cheap car insurance rates and still buy from a local agent. And buying from neighborhood agents is important especially in Fort Wayne.

To make it easy to find an agent, after completing this quick form, the quote information gets sent to participating agents in Fort Wayne that can give you free Fort Wayne car insurance quotes and help you find cheaper coverage. It simplifies rate comparisons since you won't have to contact an agency because quoted prices will be sent instantly to you. If you have a need to get a comparison quote from a specific car insurance provider, you just need to go to their quote page to submit a rate quote request.

Compare rates from both independent and exclusive car insurance agents

If you need to find a local insurance agency, you need to know there are two different agency structures and how they can quote your rates. Insurance agencies in Fort Wayne are considered either exclusive agents or independent agents. Either one can insure your vehicles properly, but it's worth learning the subtle differences because it can factor into the kind of agent you use.

Independent Car Insurance Agents (or Brokers)

Agents of this type do not work for one specific company and that gives them the ability to insure with lots of companies depending on which coverage is best. If they quote lower rates, your policy is moved internally and the insured can keep the same agent.

If you are comparing car insurance prices, you need to contact several independent insurance agents for the best price selection.

Below is a list of independent insurance agents in Fort Wayne that may be able to give cheap rate quotes.

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

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

2420 Coliseum Blvd North, Suite 100 - Fort Wayne, IN 46805 - (260) 310-6018 - View Map

More Fort Wayne agents

Exclusive Car Insurance Agencies

These agents can only provide pricing for a single company and some examples include AAA, Allstate, and State Farm. These agents are not able to provide other company's prices so it's a take it or leave it situation. They are trained well on sales techniques which helps them sell insurance even at higher premiums.

Shown below are Fort Wayne exclusive insurance agents willing to provide comparison quotes.

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

5308 St Joe Rd - Fort Wayne, IN 46835 - (260) 492-6254 - View Map

4930 Illinois Rd Ste 1 - Fort Wayne, IN 46804 - (260) 434-0010 - View Map

More Fort Wayne agents

Finding the right insurance agency should depend on more than just a cheap price. Some important questions to ask are:

Cheap coverage is out there

Consumers change insurance companies for a variety of reasons including being labeled a high risk driver, questionable increases in premium, delays in responding to claim requests and poor customer service. It doesn't matter what your reason, finding a great new company is less work than it seems.

Some insurance providers may not have online quoting and these small insurance companies prefer to sell through local independent agents. Cost effective Toyota Yaris insurance is definitely available online and with local Fort Wayne insurance agents, so you should compare both in order to have the best chance of saving money.

You just read a lot of tips how to reduce Toyota Yaris insurance car insurance rates online in Fort Wayne. The most important thing to understand is the more times you quote, the better your comparison will be. Consumers could even find that the lowest car insurance rates come from a smaller regional carrier.

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