Indiana Car Insurance

Indiana car insurance is something that is important for every driver in the Hoosier state. Having car insurance can make a huge difference in the impact a car accident may have on your life. There are many different types of coverage, many providers and many different prices on the market today. Making the best decision on your Indiana auto insurance investment is not an easy one, but knowledge can certainly help.

Factors That Impact Your Decision

In Indiana, as in every part of the country, insurance rates are affected by a variety of factors. Knowing what they are will help you take control of your car insurance costs and get them down. These things include but are not limited to:

• Driving experience and record
• Age and gender
• Make, model and year of the car
• Where you live
• How you use the car
• Whether you have done any driver training
• The limits of coverage you carry
• Your marital status
• Your credit score and more

Indiana Auto Insurance Coverage Requirements And Options

Another factor that will impact how much you pay for car insurance in Indiana is the amount of coverage you carry. Everyone in the state is required to carry the minimum amount and beyond that, coverage levels varies greatly.

The minimum required coverage in Indiana is:

• $25,000 bodily injury liability coverage per person
• $50,000 bodily injury liability coverage per accident
• $10,000 property damage liability per accident
• For new policies, you must also carry uninsured/underinsured motorist coverage in the same amounts

Many people carry much higher limits than these minimums mentioned above. The amounts of coverage above are usually inadequate to cover the costs incurred in a serious accident, putting the driver’s personal assets at risk. Therefore, all drivers should consider limits at least 4 times higher.

In addition, there are also a variety of other types of optional coverage which you can opt to carry to protect your car. Collision and comprehensive cover damages to your vehicle that are caused by motor vehicle accidents and other named perils. These two forms of coverage may be required for you to carry if your vehicle is financed through a third party. Medical payments coverage is also an additional form of bodily injury protection for those in the car. Towing and labor costs and rental reimbursement are also available.

A tip to keep in mind to make sure you keep your yearly car insurance premiums low is to raise deductibles on the collision and comprehensive coverage. By doing so, you are not sacrificing any coverage for the sake of saving money.  Make sure that the deductibles are reasonable enough to not cause a financial burden if you should need to use them.

Indiana Car Insurance Companies

There are many different companies which provide auto insurance in the state of Indiana. This makes it easy to find a company but hard to choose between them. For the consumer having a variety of providers in the marketplace is good and means that shopping around for the best price and coverage is even more important.

Some of the Indiana car insurance companies include:

• GEICO
• Progressive Direct
• Allstate
• American Family
• United Auto Insurance
• The General
• State Farm

When you start comparing the different quotes that you receive from these and other companies, it is important to compare more than just price. Look at the financial stability of the company you are planning to do business with. They should have an A or higher rating with one of the independent insurance ratings companies like Moody’s, A.M. Best or Weiss Ratings.

In addition, you can check into the customer service record of any insurer with a simple internet search. This will give you a better idea of how they treat their customers and their efficiency in dealing with claims.

How To Find The Best Indiana Car Insurance Quotes Online

Comparing quotes from different companies for your Indiana car insurance has never been easier. Simply return to the top of this page, input your zip code and answer the questions about your car and the drivers of it, as you are prompted. In no time, you will have a variety of quotes from top providers in your area that you can compare and choose from to make sure you have the best policy and best price possible.