subject: Indiana Auto Insurance - Know And Be On The Safe Side [print this page] Indiana Auto Insurance - Know And Be On The Safe Side
If you are a driver who drives in Indiana or intend to and you want to know about Indiana auto insurance laws and requirements, you can start here. Read on...
For any driver who wants to drive legally in Indiana, the state requires that you have a minimum liability coverage. This is intended to protect other drivers from careless drivers. The following are the minimum liability coverage required by the state of Indiana.
For bodily injury liability coverage, a minimum of $20,000 per person.
For bodily injury liability coverage, a minimum of $40,000 per accident.
For property damage liability coverage, a minimum of $10,000 per accident.
After you have met these requirements, you can say you have met the state's car insurance regulation demands. Having said that, it is necessary to point out that this cover, though it legally allows you to drive in the state, it may not be enough for you.
Auto liability coverages refer to policies that help you take care of costs to others (medical and damages) that come to you as a result of something accidents in which you were at fault. It does not cover your injuries nor does it cover damages to your car and other properties. Now ask yourself this. What happens to your own medical expenses and car repair? Getting more cover would help you take care of these.
If you are considering getting more cover but failed to do so because of the cost to you, I would give you some tips that would help you reduce the cost of getting these coverages so you can enjoy affordable auto insurance.
1. Get and compare quick auto insurance quotes. This is a good way to get affordable auto insurance.
2. Take advantage of discounts. There are a number of discounts you can qualify for which would lead to a reduced premium. Talk to your insurance agent about these discounts and increase your savings.
3. Increase your deductible. Your deductible is an amount you choose to pay before your insurance policy kicks in. The higher this amount is, the lower your rates would be.
We all know that our vehicle insurance is so very important so we should do everything within our power to ensure we remain fully covered. For more information on Indiana auto insurance issues, call the Indiana Department of Insurance at 317-232-2395 and make the most of your car insurance.
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