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Best Local Car Insurance Agencies in Fort Wayne

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Berner & Company, Inc. logo
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Berner & Company, Inc.

10538 Coldwater Rd, Fort Wayne, IN 46845
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Business Description

Berner and Company Inc Insurance provides a wide range of insurance products to residents of Fort Wayne, Indiana. Its staff strives to provide personalized auto insurance solutions with policies that meet the state's legal insurance requirements. Berner and Company Inc Insurance works with a variety of carriers including Progressive, Auto-Owners Insurance, and Grundy. The company is a Trusted Choice independent insurance agent and is associated with the Independent Insurance Agents Association.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (13)
Facebook
5.0 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Colligan & Company, Inc. logo
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Colligan & Company, Inc.

9602 Coldwater Rd Ste 106, Fort Wayne, IN 46825
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Business Description

Colligan & Company Inc. is an independent insurance agency that has been serving the Fort Wayne, Indiana, area for more than 90 years. The company offers auto insurance services, including policies for cars, motor homes, and motorbikes. It is willing to work with owners of high-value vehicles such as classic cars, sports cars, and collectibles or antiques. Colligan & Company also provides home and life insurance, with discounts for those who take out multiple policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (130)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
David Spear Agency logo
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David Spear Agency

1002 Dehner Dr, Ossian, IN 46777
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  • Homeowners Insurance
  • Health Insurance
  • Renter's Insurance
  • Multiple Policy Types

Business Description

The David Spear Agency is a locally owned, independent insurance company located in Ossian, Indiana, that assists drivers throughout the state. Founded in 2004, the agency secures quotes from several top auto insurance carriers to find clients the right amount of coverage at a fair rate. Policy options include liability and no-fault insurance, and drivers can add collision and comprehensive coverage. The David Spear Agency also provides motorcycle, classic car, ATV, and RV insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
5.0 / 5 (6)
Google
4.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
EPCO logo
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License Verified:

License: 1467598

Indiana Department of Insurance

EPCO

6010 E State Blvd, Fort Wayne, IN 46815
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  • Motorcyle & ATV

Business Description

EPCO is a family-owned and family-operated insurance agency that has been serving clients in Fort Wayne for more than 45 years. It offers car insurance policies that protect owners against legal and medical expenses resulting from property damage, loss of life, and injuries. The agency also provides risk management solutions for motorcycles, watercraft, recreational vehicles, and travel trailers. EPCO has formed partnerships with several insurance carriers, including Safeco, Foremost, and Progressive to provide coverage options tailored to clients' specific needs and conditions.

License Verified:

License: 1467598

Indiana Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Family Insurance Services logo
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License Verified:

License: 659944

Indiana Department of Insurance

Family Insurance Services

10327 Dawsons Creek Blvd Ste C-1, Fort Wayne, IN 46825
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  • Multiple Carriers

Business Description

Family Insurance Services assists Fort Wayne individuals looking to protect themselves financially from accidents and general liability. As an independent agency, it works with several carriers to provide clients with custom-fit plans that suit their needs. Coverage includes medical bills and the repair or replacement of vehicles following a car accident. It also offers insurance solutions for RV owners. The company's founder, the Mesaros family, has been in the business for over 25 years.

License Verified:

License: 659944

Indiana Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (30)
Facebook
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Gibson logo
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License Verified:

License: 2100330

Indiana Department of Insurance

Gibson

202 W. Berry Street, Suite 300, Fort Wayne, IN 46802
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  • Multiple Carriers
  • Bundling Option

Business Description

Gibson is an independent practice providing car insurance to customers in Fort Wayne and its nearby areas. The company protects car owners from liabilities due to theft, fire damage, collisions, and uninsured motorists. Its advisors survey and assess the goals of individuals, families, and businesses before recommending plans. In addition to car insurance, it has other financial solutions, such as condo, flood, homeowner, life, and umbrella coverage. Gibson has business insurance to help companies manage risks.

License Verified:

License: 2100330

Indiana Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Granville Insurance logo
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License Verified:

License: 3251077

Indiana Department of Insurance

Granville Insurance

1514 St Joseph Blvd, Fort Wayne, IN 46805
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  • Multiple Carriers

Business Description

Granville Insurance is a Fort Wayne-based independent agency serving residents and businesses in and around the local area. It aims to educate its clients with a variety of coverage options that align with their needs through the several insurance companies it represents. The agency provides auto insurance that covers collisions, theft, physical car damage, property damage, bodily injury liability, and liabilities for the uninsured and underinsured. Its insurance products range from homeowners, boat, and collector car policies to business property, commercial umbrella, and builders risk insurance.

License Verified:

License: 3251077

Indiana Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (11)
Facebook
5.0 / 5 (6)
Heartland Insurance Partners logo
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License Verified:

License: 953389

Indiana Department of Insurance

Heartland Insurance Partners

10305 Dawson's Creek Boulevard, Fort Wayne, IN 46825
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  • Individual Plans
  • Group Plans
  • Life Insurance

Business Description

Heartland Insurance Partners is an independent insurance agency that serves Fort Wayne. It provides car insurance solutions that include coverages for liabilities, medical payments, personal injury protection, and uninsured/underinsured motorists. Clients can also choose to get optional coverages like towing, rental reimbursement, and roadside assistance. Additionally, the company offers other insurance policies, like homeowners', individual life, motorcycle, and watercraft insurance. Owners Brett and Debra Hess lead the firm. Brett has been in the industry since 2002 and Debra handles administrative duties for the agency.

License Verified:

License: 953389

Indiana Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (20)
Facebook
5.0 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Huff & Campbell Insurance logo
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License Verified:

License: 1541530

Indiana Department of Insurance

Huff & Campbell Insurance

4233 E State Blvd, Fort Wayne, IN 46815
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  • Multiple Carriers

Business Description

Huff & Campbell Insurance serves the financial security needs of people throughout Fort Wayne and the nearby states of Indiana, Michigan, Ohio, and Illinois. Since 1963, the family-owned firm has been offering car insurance policies to individuals and businesses through various carrier companies. Its agents meet with clients personally to help them evaluate their risks and develop plans that match their financial capabilities. It also considers clients' convenience by providing phone, fax, and e-mail communication options and remote online account modification, ID requests, and claim reports.

License Verified:

License: 1541530

Indiana Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
3.8 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Hupe Insurance Services logo
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License Verified:

License: 31736

Indiana Department of Insurance

Hupe Insurance Services

7011 Stellhorn Road, Fort Wayne, IN 46815
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  • Multiple Carriers

Business Description

Hupe Insurance Services is an independent agency that has been catering to clients in Fort Wayne since 1981. It offers insurance products for cars, motorcycles, watercraft, golf carts, and ATVs. It also offers business insurance with personalized coverages for contractors, retailers, restaurants, auto repair garages, and quick lube establishments. Term, whole, and universal life insurance policies are also available. One of its agents, Roger Hupe, was voted Agent of the Year by the Indiana "Big I" in 2000.

License Verified:

License: 31736

Indiana Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (37)
Facebook
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Insure Smart LLC logo
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Insure Smart LLC

3462 Stellhorn Rd Ste B, Fort Wayne, IN 46815
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Business Description

Insure Smart LLC is an independent agency specializing in auto insurance, based in Fort Wayne, Indiana. It is partnered with national insurance carriers, providing a wide range of policies and add-ons to enable each product to be tailored to the driver and their families. As well as standard collision and comprehensive coverage, the agency can also provide roadside assistance and rental reimbursement insurance options and further protection if involved in an accident with an uninsured or underinsured driver.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Integrity Insurance & Financial Services, LLC. logo
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License Verified:

License: 33435

Indiana Department of Insurance

Integrity Insurance & Financial Services, LLC.

10542 Coldwater Rd. Ste A, Fort Wayne, IN 46845
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  • Multiple Carriers
  • Bundling Option

Business Description

Integrity Insurance & Financial Services, LLC., is a locally owned and operated agency that caters to clients in Fort Wayne and the surrounding areas. It provides car insurance to protect individuals from the rising cost of auto repairs and liabilities in the event of an accident. The policies include collision, liability, medical payment, and comprehensive coverage. It represents various carriers, such as Allied Insurance, Progressive, Hagerty, and American Modern Insurance Group. The company has been in the insurance industry for over 14 years.

License Verified:

License: 33435

Indiana Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Facebook
4.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
John Carr logo
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License Verified:

License: 2047560

Indiana Department of Insurance

John Carr

1018 East Dupont Road, Fort Wayne, IN 46825
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  • Bundling Option

Business Description

John Carr serves the residents of Fort Wayne and the surrounding areas. Since 1981, he has been assisting individuals in choosing vehicle insurance plans from State Farm. He and the other agents from his company provide insurance policies that cover cars, motorcycles, ATVs, boats, and RVs. They also offer home, health, life, and pet insurance. Carr graduated in 1979 with a degree in Business Administration. He leads a team of professionals with over 40 years of experience.

License Verified:

License: 2047560

Indiana Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.8 / 5 (28)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
MBH Agency logo
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License Verified:

License: 816287

Indiana Department of Insurance

MBH Agency

3802 S. Lafayette St, Fort Wayne, IN 46806
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  • Motorcyle & ATV

Business Description

MBH Agency caters to individuals and families in the Fort Wayne metro and the surrounding communities. It offers auto insurance policies, helping clients protect themselves and their cars should they be involved in an accident. It also carries business and homeowners' insurance plans. The firm provides accounting solutions, such as bookkeeping, financial record interpretation, income tax filing, and payroll reporting. MBH Agency has been operating since 2008 and represents companies like Foremost, Progressive, Safeco, and Travelers.

License Verified:

License: 816287

Indiana Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (2)
Google
5.0 / 5 (1)
RL Dunbar Insurance, Inc. logo
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License Verified:

License: 34538

Indiana Department of Insurance

RL Dunbar Insurance, Inc.

3492 Stellhorn Road Suite A, Fort Wayne, IN 46815
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  • Multiple Carriers

Business Description

RL Dunbar Insurance, Inc., serves individuals and businesses in Fort Wayne and the surrounding communities. The company offers auto insurance policies that cover liability for property damage and medical expenses; personal injury and uninsured or underinsured motorist protection; and damage from collisions, extreme weather, and fire. Insurance policies for mobile homes, boats, motorcycles, and RVs are also available. It also provides insurance for commercial autos, general and professional liability, business owner policy, and workers' compensation.

License Verified:

License: 34538

Indiana Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.5 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Schultheis Insurance logo
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License Verified:

License: 18026428

Indiana Department of Insurance

Schultheis Insurance

1910 Saint Joe Center Road, Suite 11, Fort Wayne, IN 46825
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Business Description

Schultheis Agency has been assisting individuals in Fort Wayne and its surrounding communities since 1975. It provides car insurance products with a variety of policy options tailored to the clients' specific needs. It also offers home, renters', motorcycle, and umbrella insurance plans. Its agents handle commercial insurance to assist business owners in obtaining financial security. Schultheis Agency is a third-generation business with more than 120 years of industry experience. Its client center is available 24/7.

License Verified:

License: 18026428

Indiana Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.5 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
The Dehayes Group logo
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The Dehayes Group

11118 Coldwater Rd, Fort Wayne, IN 46845
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Business Description

Founded in 1982, The DeHayes Group is an independent insurance agency located in Fort Wayne, Indiana. By partnering with carriers large and small, the agency has been able to provide auto insurance policies featuring robust coverage and affordable premiums with prominent companies known for speedy claims resolution. Medical, property damage, comprehensive, and uninsured motorist coverage are included in most policies, and motorcycles and RVs can be insured just as easily as cars and trucks. The DeHayes Group also offers life and health insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.6 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Tom Steckler Agency Inc logo
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Tom Steckler Agency Inc

10432 Coldwater Rd, Fort Wayne, IN 46845
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Business Description

Established in 1997, the Tom Steckler Agency Inc. serves residents living in the Fort Wayne, Indiana, area with a wide array of auto insurance options. Its seasoned staff helps customers choose liability, collision, and comprehensive auto insurance based upon risk tolerance levels, assets, and deductible preferences. This independent insurance agency works with top-rated insurance companies to offer roadside assistance, towing, and car rental reimbursement policies. The Thomas Steckler Agency Inc. also sells flood, disability, and homeowners insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (46)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Traxler-Parker Insurance logo
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License Verified:

License: 428153

Indiana Department of Insurance

Traxler-Parker Insurance

10729 Coldwater Road Suite 100​, Fort Wayne, IN 46845
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  • Motorcyle & ATV

Business Description

Traxler-Parker Insurance is an independent agency serving clients in Fort Wayne and the neighboring communities. It offers car insurance policies that provide coverage options for medical expenses, bodily injuries, and vehicle and property damage liabilities. The agency also provides risk management solutions for homes and businesses from several insurance carriers offering various coverage options that suit clients' financial conditions and individual needs. Traxler-Parker Insurance is a member of the Professional Insurance Agents of Indiana.

License Verified:

License: 428153

Indiana Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Facebook
4.4 / 5 (14)
Google
3.4 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Welker & Associates Insurance logo
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Welker & Associates Insurance

2314 Lake Ave Ste C, Fort Wayne, IN 46805
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Business Description

Welker & Associates Insurance in Fort Wayne, Indiana, is a locally-owned, independent agency that provides auto insurance to individuals and businesses. Since 1960, it has helped clients stay protected and manage potential risks with a variety of policies, including liability, comprehensive, and collision from numerous top-rated insurance companies. The company has experienced agents who provide individualized service to ensure clients have both the required coverage and optional protections, such as roadside assistance or rental reimbursement.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Wise Insurance Agency logo
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Wise Insurance Agency

7410 Bluffton Rd, Fort Wayne, IN 46809
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Business Description

Wise Insurance Agency is an independent insurance agency serving Fort Wayne, Indiana, with a trustworthy team of agents well-versed in creating customized auto insurance policies from carriers, including Liberty Mutual, MetLife, and Progressive. The company focuses on helping clients obtain collision coverage that protects their vehicles in case of accidents and injury liability insurance and medical bill pay that protect the driver. The agency aides clients seeking greater coverage outside of collisions with comprehensive coverage against fire, vandalism, and theft.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (111)
Back to Providers

Frequently Asked Questions

Introduction

A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

What is car insurance?

Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.

How does car insurance work?

Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.

What does car insurance cover?

Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.

Does car insurance cover theft?

Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.

How does a car insurance deductible work?

A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.

Do you need insurance to register a car?

Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.

Can you get car insurance without a license?

In most states in the United States, a license isn't required to purchase car insurance. This means that an unlicensed driver can purchase a policy for a licensed driver. However, most insurance companies won't allow an unlicensed driver to be listed on a policy, either as a primary or a secondary driver.

Do you need car insurance?

Yes. Car insurance isn't optional, and neglecting to purchase and maintain a minimum level of coverage can result in penalties, such as the suspension of your vehicle registration or driver's license. In addition, the cost of a car accident can add up to tens of thousands of dollars, which can be an unsustainable burden without insurance.

How much is car insurance a month?

Car insurance costs depend on factors such as where a person lives and their driving history. Drivers living in states with high insurance rates who've had accidents will pay more than drivers with clean records living in lower-cost states. In general, monthly car insurance costs can range from $50 to $500 or more.

Why is my car insurance so high?

Car insurance can be expensive for many reasons. Unsafe or expensive cars, a history of accidents, DUIs, and having multiple cars and drivers on a policy can all lead to higher monthly costs. Driver age may also play a role. For example, teens are more expensive to insure than adults.

How can I get lower car insurance?

Getting lower-cost car insurance may be possible depending on your personal circumstances. To find a cheaper policy, drivers are encouraged to get prices from multiple companies, bundle car insurance with home insurance, or use monitoring devices to demonstrate safe driving.

Do you need insurance to rent a car?

In most areas, car insurance isn't required to rent a car. However, most personal car insurance policies extend to rental vehicles. For those who don't have insurance coverage and want to stay protected, most car rental agencies offer supplemental insurance coverage for an added fee.

Does my car insurance cover rental cars?

Most car insurance policies do cover rental cars. However, this coverage isn't universal. Before renting a car, it's recommended that you check your policy details or speak to your insurance agent to be sure rental car coverage is included at an appropriate level.

Can I insure a car not in my name?

In most states, it's possible to insure a car that isn't registered in the name of the policyholder. This commonly occurs when a parent purchases and insures a car for an adult child. However, many states and insurance agencies require the policyholder to have a financial stake in the vehicle they're insuring.

Can you cancel car insurance at any time?

In general, it's possible to cancel car insurance at any time, provided proper notice is given. Notice requirements are outlined in policy documents. Unlike health insurance that can require personal circumstance changes or a specialized enrollment period, auto insurance policies can be canceled or adjusted at any time.

How can I change car insurance?

Changing car insurance is as easy as notifying your current car insurance company and purchasing a new policy from a different agency. Even policies that have been paid up front can be canceled, and companies will issue a refund for any time remaining on the policy term.

How do you become a car insurance agent?

In most states, working as a car insurance agent requires having a state license for selling insurance products. Generally, this process involves taking classes and earning a passing score on a licensing exam. Some agencies may allow individuals to shadow or assist current agents while working on their licensing requirements.

How do car insurance agents get paid?

Most car insurance agents are paid on a commission basis. This means they receive a percentage of the amount their clients pay for their insurance coverage. Some agents may also earn a flat salary. Commissions range from 5% to 20%, on average, but this can vary based on the company or policy type.

How much do car insurance agents make?

Car insurance agent earnings depend on commission percentages, any base salary in addition to commission, sales proficiency, and sales experience. According to the Bureau of Labor Statistics, the average insurance sales agent makes around $52,000 per year. This may vary from state to state and company to company.

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