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.
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.