Top Auto Insurance Questions Fort Wayne Drivers Ask Before a Quote
- Nate Jones, CPCU, ARM, CLCS, AU
- 1 day ago
- 2 min read
Shopping for auto insurance in Fort Wayne, Indiana? Before you request a quote, it’s important to ask the right questions. Doing so ensures you get the coverage you need at a price you can afford. Here are the most common questions drivers ask, and why they matter.
1. What Coverage Do I Really Need?
Indiana law requires liability coverage, but that’s just the beginning. Many drivers add:
Collision coverage – Repairs your car after an accident.
Comprehensive coverage – Protects against theft, hail, and animal strikes.
Uninsured/Under insured motorist coverage – Helps if the other driver lacks insurance.
Medical Payments (Med Pay) – Assists with medical bills regardless of fault.
If your car is financed or newer, full coverage is often recommended.
2. How Are Premiums Calculated?
Your rate depends on:
Driving record and claims history.
Vehicle type, age, and safety features.
Annual mileage and ZIP code risk factors.
Credit-based insurance score (allowed in Indiana).
Understanding these factors helps you compare quotes accurately.
3. What Discounts Are Available?
Ask about:
Safe driver discounts.
Multi-car and bundling discounts.
Good student savings.
Defensive driving course credits.
Telematics programs that reward safe driving habits.
4. How Does the Claims Process Work?
Price isn’t everything. A company’s reputation for handling claims quickly and fairly is crucial. Look for:
Positive customer reviews.
24/7 claims support.
Local agents who advocate for you during the process.
Smart Ways to Save
Bundle auto and home insurance for multi-policy discounts.
Increase deductibles to lower premiums (choose an amount you can afford).
Pay your premium in full to avoid installment fees.
Install anti-theft devices or safety features for discounts.
Review coverage annually as life changes—new car, move, or teen driver.
Why Choose Wexford Insurance
Wexford Insurance helps Fort Wayne drivers find affordable, reliable coverage. As an independent agency, we compare multiple carriers to ensure you get the best rates without sacrificing protection.
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