Tricks About Auto Insurance Companies in Indiana You Wish You Knew Before


Vehicle insurance in United States and elsewhere is so designed to provide financial security to the owners and drivers when their vehicles involved in major accidents and received great damages. The insurance will also help them if they cause damages to the property of others by collision of their vehicles. Most of the States require a minimum auto liability insurance coverage so as to protect them and to safeguard them from financial liabilities and losses. The insurance companies will provide an insurance card to the vehicle owners to enable them to show them as a proof of insurance when demanded by relevant authorities. Let us see the auto insurance facilities in Indiana in the forthcoming paragraphs.

Indiana Auto Insurance Requirements:

In Indiana, the car owners and drivers are required to insure their vehicles and the State requires you to carry the minimum liability auto insurance Indiana as follows.

Bodily Injury: A minimum liability of $25,000 per person and $50,000 per accident
Property Damage Liability: Minimum liability insurance of $25,000 per accident.

Uninsured Motorist Coverage:

This is an important insurance coverage. When you meet with an accident with a car owner or driver who has no auto insurance at all, this particular coverage will come to your rescue. The minimum requirements are as follows.

Bodily Injury: A minimum of $25,000 per person and $50,000 per accident
Property Damage Liability: A minimum of $25,000 per accident
Underinsured Motorist Bodily Liability Coverage: At least $50,000.

Indian Auto Insurance Companies:

There are a good number of Indiana auto insurance companies to serve the people of Indiana in a better way and a few of the best insurance companies are as given below.

1. Amica
2. Erie
3. Geico
4. American Family
5. Nationwide
6. Travelers
7. Statefarm
8. California Casualty
9. MetLife
10. 21st Century and many more.

Basic Liability Coverage:

If you want to drive legally in Indiana, then you have to buy the minimum liability insurance coverage. This liability insurance provides coverage to the medical bills and property damage caused by the accident for which you are responsible. In fact, the repair charges and medical bills resulting out of an accidents cost more and therefore, it is always better to buy an insurance coverage that is well above the minimum coverage.

In this aspect, collision and comprehensive insurance coverage will provide you more safety. The collision coverage will take care of your expenses on repairs of vehicles and rental car charges, if required, following an accident. The comprehensive insurance coverage will cover the losses to your vehicle due to fire, vandalism, theft and windshield damage. There are different ranges of auto insurance Indiana premiums and you have to choose the correct limit as per your requirement.

Uninsured or Underinsured Motorist Coverage:

This is also an important form of Indiana auto insurance coverage but, this is not mandatory. You can reject this type of coverage if you do so in writing. But, it is advisable to take the insurance coverage under this category as many drivers are either uninsured or underinsured. Otherwise, these drivers may be carrying the bare minimum insurance coverage, which may not meet your expenses in case of any accident. If you want to safeguard your financial stability, it is better to opt for such insurance coverages.

Insurance Premium Rates:

Auto insurance Indiana premium rates vary according to many factors and they are your age, sex, marital status, driving record, place of residence, type and model of the car, amount of deductibles, claims history, credit scores and the like. As per the statistics, Indiana auto insurance premium rates stand at $1327 per year on an average as against the nationwide average of $1669.

Choosing an Auto Insurance Company that Suits you:

It is always a good idea to shop around before selecting the best Indiana auto insurance company. The reputation and recognition of an auto insurance Indiana company is much more important. This is because some companies may offer you the low rates but they may not provide good service to the customers.

It is always better to develop a long term relationship with an insurance provider and this will help you in getting the best services, you need, in the event of an accident or theft of your vehicle. Therefore quality and track record of the companies are more important while choosing the best insurance provider. There are many top rated companies who are known for their hassle free claims and attractive insurance packages.

Prices vary from one insurance company to the other and therefore, it is always better to shop around before choosing an auto insurance Indiana company. According to the experts in the field, it is good if you get at least three quotations for comparison purpose and select the best among them. For this purpose, you have to approach a minimum of three Indiana auto insurance companies either in person or through the agents of various companies.

While choosing an insurance provider, you have to confirm about the financial stability of the company. This is because you are buying an auto insurance Indiana coverage to safeguard yourself from financial losses and to maintain a peace of mind in case of any accident.

Even though price is also an important factor, do not shop by price alone. You can consult your friends and relatives regarding their recommendations based on their experiences. They will able to suggest you the best options as they might have experience in claims for accidents and the like. You can also refer to the websites of the companies and get the quotes for comparison.


When you are driving a vehicle on the roads of Indiana, you should not forget that you have to take care of the lives of other people, who may be driving cars or who may be walking. You have your own responsibility and if you drive your car safely, it is good. But accidents do happen unexpectedly and due to the mistakes of other drivers, however careful, you are. In order to avoid unnecessary expenses and mental strains, it is essential to buy an auto insurance and this may be either a minimum liability coverage or more than that. However, do not avoid taking auto insurance as it involves your safety as well as the people on the roads and the properties of others.