How to Find Cheap Car Insurance in Indiana

If you’re in the market for car insurance, Indiana has many options for your coverage. The state has a “fault system,” meaning that the driver at fault for an accident is responsible for all the other party’s medical and property damages. Generally, drivers must purchase liability auto insurance, which covers all the expenses of an accident, including property damage and medical bills. If you don’t have insurance, Indiana requires your insurer to provide uninsured motorist coverage. Drivers who don’t want this coverage must opt out in writing. auto insurance massachusetts quotes

Liability coverage is required in Indiana, but you should consider obtaining more coverage. While liability insurance is the only type of car insurance required by law, your lender may require you to purchase more coverage. Your car insurance coverage limits refer to the amount of money your insurance company will pay for injuries caused by an accident. Indiana’s state-mandated limits are 25/50/25. These limits are not high enough to cover your expenses. If you’ve been in a car accident recently, you may want to consider buying higher-limit coverage.

The average cost of car insurance in Indiana is approximately $1,332 per year. This works out to about $111 a month. That’s 33% less than the national average. The best way to find the cheapest car insurance in Indiana is to compare quotes from multiple insurance companies. You’ll be surprised at how much difference it makes! Remember that different insurance companies calculate premiums differently, so make sure you get several quotes from different insurance providers. Also, remember that you’re required to carry $25,000 in bodily injury and property damage liability insurance, which can be written as 25/50/25.

As with most types of coverage, the type of your car also plays a role in the cost of your coverage. The lower the safety rating, the higher the premium. If you’re in the military, you’ll find the best car insurance in Indiana with USAA. It tied with Erie in customer satisfaction, affordability and claims rating. If you’re not in the military, you may want to consider another option. You can even purchase coverage in the form of alternative insurance.

While liability insurance is the lowest cost type of coverage, it won’t protect you against costly car accidents. Your insurance company will pay the costs of property damage and medical bills if you are at fault for an accident. You can purchase more coverage, as well, if you feel it’s necessary to protect yourself and your assets. If you are a frequent driver, you should try to get a discount on your policy. If you’re a clean driver, the cost of your policy will go down.

Drivers with prior traffic violations will find their premiums going up in Indiana. However, they should be aware that some insurers charge 90 percent more than normal if you’ve had a DUI. Therefore, you should always make sure that your car insurance is in good hands. In order to find the best coverage, you must compare prices and coverage from several companies. This is the best way to make sure that you’re not paying more than you need to.