Indiana Auto Insurance
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Getting to Know Indiana Auto Insurance
What will Indiana auto insurance do for me?
An Indiana auto insurance policy will protect you from financial loss in the event of an accident. Your Indiana auto insurance policy is an agreement between you and your insurer which states than in exchange for paying the premiums, the insurer will pay for any losses or damages as outlined in your policy.
Can I drive without Indiana auto insurance?
No! The State of Indiana requires all drivers to have minimum liability coverage in the following amounts:
- $20,000 for bodily injury for one person involved in an accident
- $40,000 for bodily injury for all persons involved in an accident
- $10,000 for property damage caused by an accident
Are there other types of coverage available?
You may choose to purchase collision or comprehensive coverage in addition to liability to protect yourself from theft, or physical damage caused by collision, fire or hail.
How much Indiana auto insurance do I need?
Before purchasing your Indiana auto insurance you will want to ask yourself:
- Can I afford to replace my property if it is damaged?
- How much will it cost to replace my belongings if they are stolen?
- How will I pay legal fees if I am sued because of my bad choices?
It's important to consider that injured motorists can sue for more than your policy covers. You may want to think about purchasing higher limits of coverage.
What if I decide to lease a car?
If you lease a car, you will still be required to carry liability coverage under your Indiana auto insurance policy. If you finance the car through a bank or auto dealer, you will be required to purchase collision and comprehensive coverage. This protects the investment of the bank or auto dealer in the event of a crash.
How can I save on my Indiana auto insurance?
There are a number of things you can do to ensure that you are receiving the best rate possible.
- Maintain a good driving record. If you've had any convictions or at-fault accidents in the last three to five years, your premium will go up. Take points off your record by enrolling in classes such as a defensive driving course. Completing the course may take up to four points off your record.
- Keep a clean line of credit. Recent studies have shown that up to 90% of insurers look at credit to determine a consumer's risk factor.
- Drive a low-profile car. Insurers know you will be more likely to speed in a sports car than a mini van.
- Take out multiple policies. If possible, insure more than one car under your Indiana auto insurance policy. Or, try to take out a homeowner's policy with the same company.
- Ask about additional discounts. The Insurance Information Institute recommends asking for discounts for a low annual mileage, student drivers with good grades and cars with anti-theft devices.
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