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When it comes to auto insurance, your location plays a huge role in determining how much you will pay in premiums and what your benefits are.
After all, your environment can have a big impact on your driving statistics. Things such as accidents and crime rates, the percentage of uninsured motorists, and the minimum auto insurance laws in your state will play a huge role in an insurance company’s assessment of your premiums.
Shopping for car insurance in Indiana? Don’t worry, at Magnum Insurance, we’re here to tell you everything you need to know about Indiana auto insurance.
Auto Insurance in Indiana
Indiana has a land area of about 35,826.11 sqm. Although it’s not the biggest, that’s still a significant area. It has thousands of miles of roads – about 202,707 miles, to be exact. And according to Statista, these roadways are used by approximately 4,589,405 licensed drivers as of 2019.
With these many drivers, it’s inevitable to get into an accident, one way or another. That’s why it’s crucial to get auto insurance, regardless of where you might be in the Hoosier State.
However, we recognize that insurance shopping can be a pain. To get the best deals without being ripped off, you need an auto insurance agent that:
- Is an expert in the industry
- Has your best interests at heart
- Is willing to work hard to lessen your burden
- Has high-quality, competitive policies that fit your specific needs
- Is always available to assist you any time, whatever your concerns might be
In short, you need a company like Magnum Insurance to help you with all your car insurance needs.
Factors Affecting Auto Insurance in Indiana
With its vast land area, thousands of roads, and millions of drivers, you’d be right to assume that Indiana’s car insurance rates can become sky-high.
Here are some statistics that may affect your auto insurance in Indiana:
- An estimated percentage of 15.8% of all motorists on the streets are uninsured as of 2019.
- The deaths per 100,000 population sit at about 12.0, compared to 25.4 in Wyoming and 19.0 in Alabama.
- The overall crime rate grade for vehicle theft is C, which means it’s very close to the national average.
Thankfully, the statistics seem to be on the good side for Indiana residents. This is obviously great news if you’re looking for the best auto insurance for your situation.
Auto Insurance Requirements in Indiana
Just like all other American states, Indiana has a minimum level of liability insurance coverage, which is as follows:
- $25,000 per person for bodily injury
- $50,000 per accident still for bodily injury
- $25,000 per accident for property damage
Every car insurance policy written up in Indiana should also include insurance for underinsured and uninsured drivers – although you can opt out of this in writing.
According to the Insurance Information Institute (III), about one in seven drivers are uninsured nationally. This means that getting into an accident with an underinsured or uninsured driver can be a significant financial burden.
That’s why Indiana requires these types of insurance coverage to be standard whenever a new auto insurance policy is written. This way, new drivers are insured against the worst-case scenario. The minimum financial coverage that your insurance company offers in these types of auto insurance are as follows:
- $25,000 to $50,000 for bodily injury from uninsured motorist
- $25,000 for property damage by an uninsured motorist
- $50,000 for bodily injury from underinsured motorist
You never know what happens on the road, so you should consider extra protection in the form of other types of car insurance.
Some of the most commonly availed auto insurance coverages in Indiana include:
- Comprehensive coverage: An insurance ‘bundle’ that includes other insurance coverages such as liability, uninsured or underinsured motorist, or collision insurance.
- Roadside assistance: Carries all, or at least a significant percentage of, the expenses you must pay when availing of roadside assistance services such as repairs and towing.
- Rental car reimbursement: Covers the cost of rental cars if your car is unavailable due to an accident or theft.
Other popular auto insurance coverages include medical payments and loan or lease payoff.
Auto Insurance in Indiana with Magnum Insurance
Indiana may not be the most dangerous state around, but driving always carries some risk, regardless of where you might be.
To give you peace of mind and keep you financially safe during worst-case scenarios, you should at least get the minimum amount of coverage for your vehicle – something that is easy to do in principle but may be more difficult in practice.
Luckily for you, Magnum Insurance is tailor-made for convenience. We’ll do all the hard work in picking the best auto insurance policy for you, and you can be sure that we have your best interests at heart. With Magnum Insurance, you can get your peace of mind at a price you can afford.
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