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When looking for car insurance quotes in Indiana, there are many variables to consider. Often, auto insurance rates vary a lot due to how they weigh risks. In order to get the most affordable car insurance coverage to fit your needs, research needs to be done. We have free quotes to help you find the auto insurance policy that is right for you. Read the following to learn more about how Indiana car insurance works.
Indiana has guidelines that must be followed in terms of how much auto coverage you need to drive legally in the state. These limits are in place to protect both you and other drivers when an accident occurs. There are other insurance options outside these minimums that can help you by providing even more protection. Keep reading after the minimums for more information about these additional coverages. The minimum requirements in the Hoosier state are as follows:
*Uninsured and Underinsured Motorist Coverage can be declined by writing to your insurance company. There will be a price adjustment in your car insurance quotes in Indiana if this is declined.
These minimum limits to protect you and other drivers are cover the following:
In Indiana, there are a number of coverage options you can get to help protect you even more if a traffic accident happens. These can come at different levels and are not required by law. Still, they are a good idea to have in many cases, as they help cover medical expenses for you and your passengers, as well as cover damages to your car that occur in a traffic accident.
Types of coverage included in this category can include:
Knowing what your auto insurance policy covers is important, make sure you read your policy to make sure it fits your needs. Remember, if you are leasing or financing a vehicle, the lending or leasing company may require that you have both comprehensive insurance and collision insurance on your car insurance policy. For the most accurate car insurance quotes in Indiana, make sure you know the needed requirements.
While there is variance from year to year, Indiana’s yearly auto insurance premiums tend to average around $650, which is below the national average. People driving without insurance can be faced with fines and license suspension. If your license is suspended, you will have to pay a $50 dollar reinstatement fee for the first offense. For each additional offense, the fee for reinstatement goes up.
We have the expertise to help you choose the car insurance plan that you need at the cheapest price. We are happy to help you get the best car insurance quotes in Indiana, and the quotes are free. Next time you need car insurance, contact us!
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