The Keys to Indiana Auto Insurance
The state that hosts the Indy 500 clearly knows a thing or two about driving. Even if you’re not a professional race car driver, you probably love driving in the great state of Indiana. You also need car insurance. Get the best Indiana auto insurance.
Indiana Car Insurance Basics
Indiana requires drivers to carry liability insurance. The minimum coverage amounts are as follows:
- $25,000 for injury or death for one person
- $50,000 for injury or death for multiple people per accident
- $25,000 for property damage
On top of this, drivers are also expected to carry uninsured and underinsured motorist coverage in Indiana. In order to go without this coverage, applicants must reject uninsured and underinsured motorist coverage in writing. Note that choosing to go this route involves taking on a significant amount of risk. If an uninsured or underinsured motorist hits you and you’ve opted out of uninsured/underinsured motorist coverage, you might not be able to get the money you need to cover your medical bills and car repairs.
To reduce risk even more, it’s smart to consider additional coverage options, like comprehensive and collision coverage. This way, you’ll be covered for other problems, like theft and damage from natural events.
How Much Does Car Insurance Cost in Indiana?
According to the Indiana Department of Insurance, auto insurers can base their rates on numerous factors, which can include:
- Your age
- Your sex
- Your marital status
- Where you live
- What kind of car your drive
- How you use your car
- Your driving record
- Your claims history
- Your credit score
- Any driver training you’ve had
Additionally, the insurance policy you select, including the policy limits and deductibles, can have a big impact on the premium you pay. To learn more about how various factors can change your auto insurance bill, read How Much Is Car Insurance?
How to Get the Best Indiana Auto Insurance for Your Money
The best way to keep your auto insurance rates low is to keep your driving record clean. Accidents and DUIs can have a significant impact on your auto insurance rates. Even speeding tickets and other violations can result in a higher premium. Pay attention when driving and always follow the rules of the road.
If you’ve already had a few incidents, you can expect to be charged more for car insurance, but there is hope. Improve your driving habits to avoid tickets and crashes, and your rates will go down again over time.
If you’ve had problems, consider taking driving classes and using an app that gives you feedback on your driving, like the driving score you get with the Jupiter Auto app.
Staying Safe and Prepared on Indiana Road Trips
When you love cars as much as most Hoosiers, there’s nothing better than an epic road trip. At the same time, there’s nothing worse than road trip that goes epically wrong.
Before you go, make sure your car’s up for the trip:
- Replace dangerously worn tires.
- Change the oil, as well as other fluids and filters, if it’s time.
- Address any other issues and have a mechanic check everything out.
Then make sure you’ve packed everything you might need, including:
- Important paperwork, including your insurance card, your vehicle registration and contact information for an emergency roadside service
- A first aid kit
- Water and food
- Blankets and flashlights
- A spare tire, emergency roadside flares and tools
Finally, check your route, looking for:
- Bad weather
- Road closures
Keep Indiana Auto Insurance Rates Low by Obeying the Rules of the Road
Did you know that the driver and all passengers must use a seat belt whenever the vehicle is moving forward in Indiana? If you’re not wearing a seat belt, you could get a ticket – even if you’re not doing anything else wrong.
You could also get a ticket for texting while driving. Reading, typing or transmitting texts or emails has been illegal in Indiana since 2011, and the fine could be as high as $500.
Avoid expensive tickets – and even more expensive accidents and insurance rate hikes – by obeying the rules of the road.
Great Resources for Drivers in Indiana
Not sure where to get a driver’s license? Need more information about the rules of the road in Indiana? Check out these great resources for drivers in Indiana:
- The Indiana Bureau of Motor Vehicles is your main stop for licenses, titles, registration and more.
- Find a BMV office in your area here.
- Want to see your Indiana driving record? Log in here.
- The Indiana Department of Insurance has more information on the state’s car insurance requirements.
- See the Indiana driver’s manual to prepare for a test or review your knowledge.
- The Governors Highway Safety Association has an overview of driving rules in Indiana.
Why is Jupiter the Best Car Insurance in Indiana?
Affordable rates. Great customer service. Help when you need it. You want a lot of things for your auto insurance company. That’s why you should consider Jupiter Auto Insurance.
With the Jupiter Auto app, you have can get driving scores that help you improve your skills, stay safe, and avoid accidents and tickets. Parents can take care of geofencing to keep track of their teen drivers, and everyone can use the convenient payment options. We want to make car insurance as easy as possible for you – but don’t just take our word for it. See for yourself.