Consumers Guide to Researching a Fort Wayne Car Insurance Agent

To find a good Fort Wayne agent, it’s recommended you begin your search for an agent online instead of making phone calls. Consumers require a highly trained agent, and also want to find the lowest rates for car insurance in Fort Wayne.

Because you have many choices, it is hard for the average consumer to find the lowest cost provider.

Shop online but buy locally

Educated insurance agents can answer important questions and give you peace of mind. One of the great benefits of price shopping on the web is that you can obtain better rates and still have an agent to talk to.

To make it easy to find an agent, after completing this quick form, the coverage information is transmitted to participating agents in Fort Wayne who will return price quotes for your insurance coverage. You won’t need to visit any agencies since price quotes are sent straight to your inbox. It doesn’t get any easier! You’ll get the best rates without the usual hassles of price shopping.

Choosing an insurance agent requires more thought than just a cheap price. Any agent should be forthright in answering these questions:

  • Does the company allow you to choose your own collision repair facility?
  • Will your rates increase after a single accident?
  • Does the agency support the community they serve?
  • Do they review policy coverages at every renewal?
  • Do they have any clout with companies to ensure a fair claim settlement?

Captive and independent Fort Wayne insurance agents

When looking for local Fort Wayne agents, you must know there are a couple different agency structures that you can select. Agents can either be independent or captive.

Agency Captives

Captive agents have only one company to place business with and some examples include AAA, Allstate and State Farm. They are unable to shop your coverage around so it’s a take it or leave it situation. Captive agents are well schooled on the products they sell and that can be a competitive advantage.

Shown below is a list of captive insurance agencies in Fort Wayne that are able to give rate quotes.

Shelter Insurance – 1402 E State Blvd – Fort Wayne, IN 46805 – (260) 484-4077
Allstate Insurance – 4326 Maplecrest Rd – Fort Wayne, IN 46815 – (260) 486-3883
State Farm Insurance – 3409 E State Blvd – Fort Wayne, IN 46805 – (260) 484-8572
Farm Bureau Insurance – 9434 Lima Rd # B – Fort Wayne, IN 46818 – (260) 489-0709
Farmers Insurance Group – 10816 Coldwater Rd – Fort Wayne, IN 46845 – (260) 637-3599
American Family Insurance – 6070 E State Blvd – Fort Wayne, IN 46815 – (260) 493-4511

Independent Insurance Agents

These agents are not locked into one company so they have the ability to put coverage with multiple insurance companies and potentially find a lower price. To transfer your coverage to a different company, your agent can switch companies and you won’t have to switch agencies. When shopping rates, it’s recommended you include at least one independent agent for the best price selection.

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

Affordable Agency – 6656 Saint Joe Rd # B – Fort Wayne, IN 46835 – (260) 485-2526
Mannix Agency – 9604 Coldwater Rd # 101 – Fort Wayne, IN 46825 – (260) 490-8000
Buonomo Agency – 6206 Constitution Dr – Fort Wayne, IN 46804 – (260) 745-3202
Luttman Insurance – 2250 Lake Ave # 170 – Fort Wayne, IN 46805 – (260) 420-1122
Ken Gaffer Insurance – 7014 N Clinton St – Fort Wayne, IN 46825 – (260) 484-7722

To view a full list of car insurance agents in Fort Wayne, visit this site.

After receiving positive responses to any questions you have and a low price estimate, chances are good that you have found an insurance agency that meets your needs to service your policy.

Purchasing car insurance direct online is an option

Car insurance agents are indespensible for some people, but you can also buy Indiana car insurance direct from companies online. Even companies like State Farm and Allstate that sell primarily through agents also let you buy online, and consumers should do that.

If you’re uncomfortable with choosing your own coverages when buying online, that should not be a issue. All companies provide phone numbers and online resources to help you decide which coverages are appropriate. You can also use anytime access to help and a customer research section so buying online is not difficult.

Is it cheaper to buy online? The answer is complex because there are many components which can adversely affect your policy premium. Some people think that buying online lowers rates due to not having any agent compensation. But truthfully, marketing their products costs a lot of money so there may not be significant savings.

Final considerations

When you buy insurance online, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many cases where someone sacrificed collision coverage to discover at claim time that they should have had better coverage. The ultimate goal is to buy enough coverage at a price you can afford while not skimping on critical coverages.

Find an agent in Fort Wayne IN

Budget-conscious car insurance is available from both online companies and also from your neighborhood Fort Wayne agents, so compare prices from both to have the best rate selection. Some car insurance companies may not provide online quoting and these regional insurance providers work with independent agents.

Even more information is available at the Indiana Department of Insurance website. Indiana consumers can file complaints about a company, learn about insurance regulations, and learn about specific coverages.

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