Indianapolis area drivers have many options when it comes to shopping for car insurance. With so many different companies offering coverage, an independent agent here at Butler Insurance can save you time and money by shopping and comparing car insurance from multiple companies. In fact, we here at Butler Insurance have strategic partnerships that allow us to quote Indiana car insurance rates from several different companies. That means we can find an insurer that is willing to offer you the coverage you really need at a highly competitive price.
How much auto insurance do I need in Indiana?
The Indiana minimum auto insurance requirements are designed to provide a small level of protection in the event you damage someone else’s property, or you cause harm to another person. In Indiana, drivers need a minimum of $25,000 per person and $50,000 per accident for Bodily Injury Liability Coverage and $25,000 per accident for Property Damage Liability Coverage. The minimum amount for uninsured motorist coverage is $25,000/$50,000 for bodily injury and $25,000 for property damage, and the minimum amount for underinsured motorist coverage is $50,000 for bodily injury.
What is the best deductible?
The best deductible is what you can afford to pay out of pocket when you file an auto insurance claim. The higher the deductible, the lower your premium will be, and vice versa. A higher deductible means your accepting a more significant portion of the risk yourself. It is best not to take on more risk than you can afford.
What is “full coverage?”
There is no such thing as “full coverage” insurance. Full coverage auto insurance is a term that is used to suggest you have chosen protection that goes beyond the minimum coverage required by your State. It typically includes collision and comprehensive coverage, personal injury protection or medical payment coverage, and uninsured and underinsured motorist coverage.
How can I save money on my car insurance?
You can save money on your car insurance by avoiding moving violations, crashes, DUIs, and other incidents. By having a clean driving record, you may also qualify for a safe driver discount. Students may qualify for good student and student-away-at-school discounts. Your vehicle’s anti-theft devices and safety features may also provide more discounts. Paid-in-full, multi-car, and prior carrier discounts are also common.
How long does an auto accident affect my insurance?
A crash won’t impact your car insurance premiums forever. After about three to five years, your rates should recover. Exactly how long this takes will depend on the type of accident as well as the company you are insured with.
Is buying direct cheaper than buying through an agent?
Buying direct is not always cheaper than buying through an agent. You might think that cutting out the middleman would result in cheaper car insurance rates, but when it comes to insurance, this isn’t the case. In fact, an independent agent, one that represents many insurance companies, can often save you money.
What is the best auto insurance company?
The best auto insurance company differs per individual. No insurance company is objectively the best. It all depends on what you’re looking for. Do you want the best customer service, the broadest coverage, or the lowest rates? Or maybe you have unique coverage or underwriting needs? An agent can help you compare car insurance quotes from multiple insurance companies and find the right policy for your situation.
What is the best or cheapest auto insurance rate?
The best or cheapest auto insurance rate can be found by comparison shopping. Compare premiums as well as differences in coverage. An independent insurance agent can help. They can provide options from multiple carriers, along with the expert guidance you need to make a smart choice.
How do I switch to a new auto insurance company?
You can switch to a new auto insurance company at any time, but to avoid overpaying or violating state law, you do need to watch out for a couple of things. car insurance policies are often sold for coverage periods of six months or one year. In some cases, you may be charged a fee if you decide to cancel your insurance policy early. You may also be entitled to a refund for the unused portion of the premium. You also want to make sure you have continuous coverage to avoid a coverage gap.
Why Car Insurance Matters
Car insurance is more than a legal requirement; it’s designed to protect you and your finances when things don’t quite go as expected. In fact, having the right coverage could protect you against overwhelming financial loss if you are ever in a major accident – especially one for which you are at-fault. That is why we here at Butler Insurance offer car insurance policies that provide a wide range of coverage types. Examples include:
Liability is a part of virtually every Indiana car insurance policy since the law requires it. However, all liability coverages are not the same. When you choose your coverage, you must select a liability coverage amount that will pay for a victim’s property damage and bodily injuries if you ever cause an accident. Choosing limits that are too low just to satisfy state requirements could spell financial disaster if you are sued. A $100,000 court judgment for a victim’s medical bills and lost wages would leave a big balance if you only have $25,000 of insurance coverage. Instead of dipping into your savings or future income to pay for the remaining $75,000, consider working with an agent here at Butler Insurance to select high liability limits that will kick in when you need them most.
Collision coverage is the part of your insurance policy that helps repair your vehicle if it is damaged in a car accident. We typically recommend collision insurance for most drivers who wish to protect their investment or who otherwise would not comfortably be able to pay thousands of dollars to repair or replace the vehicle after an accident.
Like collision coverage, comprehensive protection helps pay for damages to your vehicle – non-collision events must cause only the damage. For example, if your vehicle is vandalized in your driveway or you hit a deer on the way home from work one night, you would not file a claim against your collision coverage; you would file a claim against your comprehensive coverage instead.
Keep in mind that law does not require collision and comprehensive coverages, but lenders often require borrowers to carry physical damages coverage until a car loan is paid in full.
Irresponsible drivers are everywhere. If one of them injures you in a car accident, your uninsured and underinsured motorist coverages may provide some relief. Uninsured motorist protection helps pay for your injuries and lost wages when an uninsured driver injures you. It is also possible that you could be injured by a driver who has too little liability protection to pay for your losses. Underinsured motorist insurance helps fill in the gaps so you can get the care you need.
Sometimes it’s the extra details that put a cherry on top of your car insurance policy. Here at Butler Insurance, we know that small things can add up to big burdens, which is why we can help personalize your policy with all the extras you want, from roadside assistance and towing coverage to rental car reimbursement and more. We will work hard to find you the coverage and savings you deserve. All you have to do is give us a call.
For more information about how an independent agent can help you save money on your car insurance, contact Butler Insurance today.