- Individual Bodily Injury Liability: $25,000
- Total Bodily Injury Liability: $50,000
- Property Damage Liability: $10,000
Are you ready to find more affordable Indiana car insurance? If you are tired of feeling like you are at the mercy of your auto insurance company, it is time for you to exercise your rights as a consumer and start insurance rate shopping. Many drivers in the state of Indiana put off switching insurance carriers because they feel like it will be too time consuming. You no longer have to use time as an excuse when you use technology to your advantage and you enter your zip code at the top of this webpage. As soon as you enter your zip code, you will be directed to a tool that helps you compare real-time rates from really reputable Indiana insurance companies. Here is your straightforward guide to buying auto insurance in IN so that you have all of the information you need to make the best purchase:
What Are the Insurance Requirements in the State of Indiana?
Mandatory auto insurance laws differ from state to state. If you are new to the state of Indiana, or you are not familiar with what limits Indiana officials require, you need to take time to learn about the insurance requirements before you even start comparing rates. Indiana mandatory auto insurance laws only require that drivers with vehicles registered in the state carry liability insurance to protect third-party drivers. You will be penalized if you do not carry the following liability limits at a minimum:
- Bodily Injury Liability: $25,000 per person/$50,000 per accident
- Property Damage Liability: $10,000 per accident
New Indiana insurance laws require carriers to offer all applicants uninsured motorist protection, but you can reject this coverage in writing if you desire. Purchasing state minimum requirements will satisfy the state laws, but these limits may not offer you the protection you need on the road. Liability insurance is designed to pay for damages and medical bills that you are liable for, but you will need additional coverage if you want your repairs and medical bills to be covered.
Optional forms of coverage in Indiana include: comprehensive, collision, medical payments, uninsured motorist, towing, rental car reimbursement and gap insurance. As you are pricing the cost of coverage, be sure to price the cost of optional cover so that you can build a personalized policy that is adequate.
Tips on Saving Money on Indiana Auto Insurance
You do not have to choose the most limited policy just to find cheap car insurance in IN. If you want an affordable auto insurance policy that offers comprehensive coverage, here are some money-saving tips to keep in mind:
- Request Indiana auto insurance quotes from several different companies so that you can compare rates.
- Be a safe driver, and take traffic school if you receive a violation and you are eligible.
- Choose higher deductibles if you carry full coverage.
- Qualify for multi-line discounts by purchasing property insurance from the same carrier you buy auto insurance from.
Now is the time to start comparing Indiana auto insurance quotes. If you want to find an auto insurance company who offers competitive rates for broad forms of coverage, use the rate comparison tool and gain access to real-time quotes in minutes.