Top 5 Ways to Save on Auto Insurance in Fort Wayne, Indiana
- Nate Jones, CPCU, ARM, CLCS, AU
- 1 day ago
- 2 min read
Auto insurance is essential for every driver in Fort Wayne, Indiana, but that doesn’t mean you have to overpay. With the right strategies, you can reduce your premium while keeping strong coverage. Here are five proven ways to save:
1. Bundle Your Policies
Combining your auto insurance with home, renters, or even life insurance can unlock significant discounts. Insurers reward multi-policy customers, often saving you 10–25%. Plus, managing all policies under one provider simplifies billing and claims.
2. Maintain a Clean Driving Record
Safe driving pays off. Avoiding accidents and traffic violations helps you qualify for safe driver discounts. Some insurers also offer telematics programs that track driving habits, safe drivers can earn additional savings.
3. Increase Your Deductible
Raising your deductible (the amount you pay before insurance kicks in) can lower your monthly premium. For example, increasing a $500 deductible to $1,000 often reduces costs. Just make sure the amount is affordable in case of an emergency.
4. Take Advantage of Discounts
Ask your agent about:
Multi-car discounts
Good student discounts
Defensive driving course credits
Anti-theft device savings
These small steps can add up to big savings over time.
5. Review Your Coverage Annually
Life changes—new car, move, or adding a teen driver can impact your rates. Reviewing your policy each year ensures you’re not overpaying and that your coverage matches your current needs.
Bonus Tips
Pay your premium in full to avoid installment fees.
Maintain a good credit score since Indiana allows credit-based insurance scoring.
Shop around and compare quotes every 12 months.
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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