Auto insurance
in indiana

Auto insurance 
in indiana

Malhotra & Assoc. Insurance Has You Covered

Are you looking for an Auto Insurance Agent in Indiana?

As an Independent Insurance Agency, our experienced team make finding the right auto insurance in Indiana easy. Whether you need a commercial auto insurance policy or coverage for your personal automobile, our friendly team of experts will create a tailored package that suits your exact needs.

Click here to get an auto insurance quote with us today! We’ll make sure you only pay for the auto insurance coverage you actually need.

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Indiana Auto insurance

Frequently Asked Questions about Indiana Auto Insurance

When it comes to auto insurance in Indiana, we tend to get the same questions often.

How Often do you pay auto insurance?

Drivers pay for auto insurance with monthly premiums or annually; whichever fits your budget.

How Do Auto Insurance Deductibles Work?

When you file an auto insurance claim, the deductible is the amount you will pay for the damages, before your auto insurance company will compensate for the rest.

Get Insured Today with Malhotra & Assoc. Insurance

Car insurance doesn’t have to be expensive. Malhotra & Assoc. Insurance will make sure you don’t have to break the bank to pay for crucial coverages. Working with top carriers, we will find and develop a policy that fits you, your vehicle and your wallet. Give us a call today or visit us at one of our locations!

State Requirements for Indiana Auto Insurance

According to local state laws in Indiana, if you are buying auto insurance, then your auto liability policy must include underinsured and uninsured motorist coverage, and meet with the following minimum auto insurance liability limits.

  • Property Damage = $25,000 minimum
  • Uninsured Motorist Coverage = $25,000 minimum
  • Bodily Injury Coverage = $50,000 minimum

What is Covered by a Basic Indiana Auto Insurance Policy?

While each insurer has their own terms of coverage; in most cases, these are the typical aspects of coverage you can expect when buying auto insurance in Indiana.

Comprehensive Coverage:

This will cover loss or damage to your vehicle due to hail, fire, wind, vandalism, and more.

Collision Coverage:

This gives you coverage if you have a collision with an object or vehicle. This is usually subject to a policy deductible.

Auto policies typically provide the following types of coverage:

Personal Injury Protection: 

Personal Injury Protection (PIP) helps with medical expenses for you and your passengers after an accident, no matter who is at fault.

Bodily Injury Liability:

Pays, up to the limits of the policy, for injuries to other people you cause with your vehicle.

Property Damage Liability:

Pays, up to the limits of the policy, for damage to other people’s property caused by your vehicle.

Medical Payments:

Pays medical bills incurred by you and usually your passengers, up to the limits of the policy, if injured while riding in, entering or getting out of the car.

Other:

There are other coverage’s such as towing and car rental which may be available.

If you’d like to look at the options, our friendly team can tailor a quote based on your needs, and we can help you explore different pricing scenarios for auto insurance coverage in Indiana.

How Much Does Auto Insurance Cost in Indiana?

There are many factors that go into the cost of your auto insurance rates. Typically, your rates are determined by assumed risk. Those drivers who are more likely to file an insurance claim usually pay more for their auto insurance.

Factors that influence your auto insurance rates include:

  • Age
  • Gender
  • Marital Status
  • Deductible
  • Location
  • Driving Experience
  • Occupation
  • And more

For example, male youths will tend to pay the highest rates for auto insurance because they’re statistically more likely to speed and drive recklessly.

Indiana Auto Insurance Discounts

If you want to save money on auto insurance in Indiana, our team can help you find the best policy, while providing affordable insurance with any relevant discounts. One of the best ways to reduce the cost of your auto insurance is to bundle your policies together.

More Frequently Asked Question about Indiana Car Insurance

How do Auto Insurance Claims Work?

After an accident, you can file an insurance claim by calling your insurance company. An underwriter from the insurance agency will evaluate the damages and then offer compensation for repairs.

Why Does Auto Insurance Increase?

Auto insurance increases for a range of reasons. At-fault wrecks, severe traffic violations, and multiple claims or tickets may cause your rates to rise.

Contact Us Today for an Indiana Auto Insurance Quote

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