How to Get the Best Auto Insurance in Fort Wayne, Indiana
- Nate Jones, CPCU, ARM, CLCS, AU
- 2 days ago
- 2 min read
Finding the best auto insurance in Fort Wayne, Indiana isn’t just about picking the lowest price, it’s about securing the right coverage for your needs. With so many options available, knowing what factors matter most can help you save money and stay protected.
Why “Best” Doesn’t Always Mean “Cheapest”
The cheapest policy may meet state minimum requirements, but it might leave you financially exposed after an accident. The best auto insurance balances affordability with comprehensive protection, ensuring peace of mind on the road.
Understand Indiana’s Minimum Requirements
Indiana law requires:
Bodily Injury: $25,000 per person / $50,000 per accident
Property Damage: $25,000 per accident
Uninsured Motorist Coverage (optional but recommended)
While these limits meet legal standards, they may not cover all expenses in a serious accident. Consider higher limits and additional coverage for better protection.
Coverage Options to Consider
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 Coverage – Assists with medical bills regardless of fault.
If your car is financed or newer, full coverage (liability + collision + comprehensive) is often recommended.
Factors That Affect Your Premium
Driving record and claims history
Vehicle type, age, and safety features
Coverage limits and deductibles
Annual mileage and ZIP code risk factors
Credit-based insurance score (allowed in Indiana)
Smart Ways to Save
Bundle auto and home insurance for multi-policy discounts.
Ask about safe driver and multi-car discounts to reduce costs.
Increase deductibles to lower premiums (choose an amount you can afford).
Consider telematics programs that reward safe driving habits.
Pay your premium in full to avoid installment fees.
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.
Ready to get started?
