Tips to Finding the Right Insurance Agency in Fort Wayne, IN

Selecting a car insurance company in Fort Wayne, IN can be time consuming since picking a good Indiana insurance agent takes more work than just picking up the phone. You require a professional licensed agent, and also affordable rates.

Companies like Allstate, Liberty Mutual and State Farm constantly bombard you with TV and radio ads and it can be hard to see past the geckos and flying pigs and take the time to shop coverage around.

Buying car insurance from a local Fort Wayne agent

Educated insurance agents can help determine the best coverages and give you peace of mind. One of the great benefits of getting online price quotes is that you can obtain lower rates and still choose a local agent.

To find an agent, once you fill out this simple form, your insurance coverage information is immediately sent to local insurance agents in Fort Wayne who will return price quotes for your coverage. You never need to drive around because quoted prices will be sent immediately to your email address. How cool is that?!

Deciding on a car insurance agent needs to be determined by more than just the premium amount. Any agent should have no problem answering these questions:

  • Do they have any clout with companies to ensure a fair claim settlement?
  • Will their companies depreciate repairs to your car based on the mileage?
  • Do the companies they represent have a solid financial rating?
  • Are you getting all the discounts the company offers?
  • Is the agent and/or agency licensed to do business in Indiana?
  • How much can you save by raising your physical damage deductibles?

Do you need an independent or captive insurance agency?

When finding a good Fort Wayne insurance agent, there are a couple of types of insurance agents from which to choose. Agencies in Fort Wayne are classified as either captive or independent. Both write coverage properly, but it’s important to know the difference between them because it can impact the selection process.

Captive Insurance Agents

Captive agencies are contracted to 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. Captive agencies are well schooled on their products and sales techniques which helps them sell insurance even at higher premiums.

Below is a list of captive insurance agents in Fort Wayne who may provide you with price quotes.

Allstate Insurance – 5618 Coldwater Rd # B – Fort Wayne, IN 46825 – (260) 484-4590
American Family Insurance – 2701 Broadway – Fort Wayne, IN 46807 – (260) 744-9798
Shelter Insurance – 1402 E State Blvd – Fort Wayne, IN 46805 – (260) 484-4077
State Farm Insurance – 3118 Mallard Cove Ln – Fort Wayne, IN 46804 – (260) 744-3218
Farmers Insurance Group – 834 Mill Lake Rd – Fort Wayne, IN 46845 – (260) 637-1671
Farm Bureau Insurance – 7217 Engle Rd – Fort Wayne, IN 46804 – (260) 432-8744

Independent Insurance Agents

Independent agencies do not work for one specific company but rather can write business with any number of different companies depending on which coverage is best. To move your coverage to a new company, they simply move the coverage in-house and you don’t have to find a new agent.

When comparison shopping, it’s recommended you get quotes from at a minimum one independent agency for maximum quote selection.

The following is a list of independent agencies in Fort Wayne willing to provide comparison quotes.

Waterfield Insurance Agency – 202 W Berry St # 110 – Fort Wayne, IN 46802 – (260) 425-9500
Peconge Insurance – 317 Passier Ct – Fort Wayne, IN 46825 – (260) 487-7010
Hupe Insurance Svc – 7011 Stellhorn Rd – Fort Wayne, IN 46815 – (260) 486-7488
Joe Cochran Agency – 1032 Huffman St – Fort Wayne, IN 46808 – (260) 422-6494
Davenport Agency Inc – 5914 E State Blvd – Fort Wayne, IN 46815 – (260) 493-0888

For a full directory of Fort Wayne insurance agents, simply jump to this page.

Once you have received acceptable answers to all your questions as well as a affordable price, chances are good that you have found an insurance agent that is a good match to adequately provide car insurance.

But I don’t know anything about car insurance

When buying the best car insurance coverage for your vehicles, there really is not a cookie cutter policy. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions might point out if your insurance needs may require specific advice.

  • When would I need rental car insurance?
  • Where can I get insurance after a DUI in Indiana?
  • Why does it cost so much to insure a teen driver in Fort Wayne?
  • Do I need PIP coverage since I have good health insurance?
  • Do I need motorclub coverage?
  • What are Indiana no-fault laws?
  • Is pleasure use cheaper than using my vehicle to commute?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is my teen driver covered when they drive my company car?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent.

What if I want to buy from an online company?

Auto insurance agents are important, but Indiana car insurance can also be bought direct online. Certain companies who sell through the agent channel also allow consumers to buy a policy online, and that can save time.

If you’re uncomfortable with not having an insurance agent’s advice when buying car insurance direct, this is expected but don’t let that bother you. All companies that require consumers to choose their own coverages have toll-free phone numbers and other options for getting questions answered. Many online companies also provide anytime access to help and a customer research section to clarify any questions you may have.

Will you save money buying auto insurance online? Whether or not you’ll save is impossible to say because there are many components that determine the price you pay. You may think that buying direct saves the commission normally paid to an agent. But in most cases, advertising and marketing take a lot of money so there may not be significant savings.

Final thoughts

As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. In many cases, drivers have reduced comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. Your strategy should be to buy enough coverage at an affordable rate.

Indiana insurance company

The cheapest car insurance can be sourced from both online companies and with local Fort Wayne insurance agents, and you need to comparison shop both to have the best rate selection. Some companies do not offer the ability to get a quote online and these small insurance companies work with independent agents.

More tips and info about car insurance is located at the Indiana Department of Insurance website. Visitors are able to read state legal mandates and laws, file complaints about a company, read enforcement actions against agents and companies, and find disaster information.

Also read more on this resource for Indiana car insurance prices and this list of agents in Fort Wayne, IN.