I have made pre formatted frames. If I want to insert a picture then I copy the frame from the pre formatted frame to my working document. It is a group, above the picture a text frame and below the picture a text frame. You can use those for comments or a picture title or leave them empty. The other task is that the text in the article is not end just above the picture or start just at the bottom line of the picture, there need to be some white between the two. The group, text and image frames are the same wide as the column or the page. Ungroup, insert the image, size it to the frame and insert if wanted some text above or below. As you have a copy in the buffer, past it on the right place and you can go on. As it is the same width as or you page or the columns you don't have issues like your question. But this is my way of working, you have to find your setup and stick to it.