Cheap car insurance is vital for many drivers. A large number of drivers have to choose whether they pay for car insurance or another bill from month to month because many insurance premiums are just too high for the coverage that they offer. For those that desperately need affordable car insurance in Indiana, there is hope.
Before you begin your search for cheap car insurance in Indiana, first you will need to take the time to learn about the driving and insurance requirements for drivers in the state. If you reside in the state of Indiana, or if your car is registered in the state, then you are required to maintain at least a minimum liability insurance policy on that vehicle. Liability coverage will protect the driver in case of property damage or injury on the other party in an accident. The amount of coverage needed for a vehicle in Indiana must be at least $10,000 for property damage and up to $25,000 or $50,000 per person for medical needs.
Since liability insurance is the only requirement for Indiana drivers, many skip the option to have a comprehensive insurance plan, even though there are many affordable options. Additional coverage on your car will help you repair damages or pay medical bills for your own injuries when in an accident. And if your car is totaled, a comprehensive plan will offer cash value for the car in most cases.
There are also a few specific factors that affect insurance costs in Indiana. If you are pulled over or arrested for speeding, driving under the influence, or having any type of open container with alcohol in your vehicle, your insurance rates will rise. However, unlike some states, Indiana does not have a statewide ban on cell phone usage while driving.
To begin your search for the cheapest car insurance, start with online resources that provide insurance quotes and comparisons. Websites such as Geico and Progressive are famous for letting you compare quotes with other insurance companies. If you are not comfortable purchasing your auto insurance policy online, you can go through the traditional route by finding local agents and working with them. Some companies with representatives in the state of Indiana include State Farm, Allstate, and American Family Insurance.
Once you find the affordable insurance plan for you, inquire about special deals. This can include first accident forgiveness or lower premiums with a good driving record over a period of time. This will help you save even more money and find low cost coverage at low rates.
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