Indianapolis might be famous for the exciting Indy 500 race, but it has its fair share of thrills and spills on ordinary roads, too. You don’t want to be one of the 14.2% of motorists in the state who are uninsured; but you don’t want to be paying too much for coverage either.
Indiana car insurance premiums are quite low at an average of $1,033 per year. That doesn’t mean that you can’t reduce your costs by shopping around for the best deal – and a local independent agent in the Trusted Choice® network can help you do just that. These agents can help you insure your vehicle, advise you on how to earn discounts, and find several Indianapolis, IN auto insurance quotes for you to review. Call an independent agent in your area today to find the best value for Indianapolis car insurance.
- Bodily injury liability: required
- Property damage liability: required
- Personal Injury Protection (PIP): not required
- Uninsured motorist: not required
- Minimum liability limits: 25/50/10
- Coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $10,000 coverage for property damage.
Indiana state law requires that you carry at least the liability coverage above. Although uninsured motorist coverage isn't required, you may want to consider it, as it will protect you from the financial losses involved when your are in an accident with an at-fault driver who doesn't have insurance.
There are many factors that come into play when looking at Indianapolis car insurance coverage. The make and size of your car, the number of miles driven, the age of the drivers, the number of vehicles in the household and the past record of accidents are just some of these. You might not be an Indianapolis car insurance expert, but you can work with an independent agent who is very familiar with the car insurance requirements and offerings in your area. A Trusted Choice member agent is ready and available to help you make the best choice.
Indianapolis, Indiana Car Thefts:
- National vehicle thefts (per 1,000 registered vehicles): 2.94
- Indiana vehicle thefts (per 1,000 registered vehicles): 2.36
While the car theft rate in Indiana is a bit lower than the national average, there is still a risk that a thief may steal your car. Comprehensive insurance coverage will protect you against the significant financial loss of such an event.
How to Find the Best Indianapolis Car Insurance
When you look at Indianapolis auto insurance quotes, it’s a good idea to balance two vital factors – your needs and the cost of the policy. It is no use having cheap coverage that won’t meet or cover the requirements of your everyday use and will leave you exposed to financial loss. Similarly, you don’t want to be paying a high premium for coverage you don’t need or you can get for less elsewhere.
This is where a Trusted Choice independent agent comes in. Your agent will know what to look for in an insurance company – which companies offer the type of coverage you want at a reasonable cost and will give a policy discount for particular traits or your driving record. Your agent can also advise you on whether the legal minimum requirement is actually sufficient to give you protection from loss. State minimum coverage requirements might not cover the total costs of a major accident. You need to decide whether you are happy to have this sort of exposure to risk.
Collecting Indianapolis Auto Insurance Quotes
Hoosiers are discerning and thoughtful people, and as a Hoosier, you are probably weighing Indianapolis car insurance options. If you want to cover all the angles with less effort, find a local Trusted Choice independent agent in your neighbourhood today.
When you’re investing in your safety with Indianapolis car insurance, you want someone who can think creatively and give good advice. As independent agents, member agents in the Trusted Choice network are savvy and well versed in the car insurance options in your area. Your agent can help you measure your needs and risks and find the policy that’s best for you. This sort of expert knowledge can save you money and time. Talk to your local Trusted Choice independent agent to find Indianapolis auto insurance quotes that will be ideal for you.