In Indiana automobile insurance plans are a must-have for all car owners, as they are throughout the country. However, shopping for such plans is not as straight forward as one would think. There are many things that impact the cost of such plans, from where you live, to what you drive, to the limits and types of coverage you choose. Take the time to learn as much as you can about Indiana automobile insurance plans before you choose your next policy.

Mandatory Coverage for Indiana Automobile Insurance Plans

In Indiana, the state mandatory coverage is higher than in many states but not as high as some others. You must have liability coverage that is at least $25,000 for bodily injury per person; $50,000 bodily injury in total per accident and $10,000 property damage per accident. Those who are familiar with insurance usually suggest limits of at least $100,000 bodily injury per person, $300,000 bodily injury per accident and $100,000 property damage.

Suggested Coverage for Indiana Automobile Insurance Plans

Good Indiana automobile insurance plans include other forms of coverage also. Uninsured motorist coverage is a very important type of coverage to have, especially since Indiana is the 10th highest in estimated uninsured motorists in the country with 16.3% of drivers having no insurance plan.

Comprehensive insurance provides coverage for non-moving risks like vandalism, theft and fire, amongst others. Collision pays for damage or destruction from accidents when you are at fault. Both these options make up personal physical damage for your vehicle. They are a good choice if your vehicle’s value is still relatively high. If you still have a bank note on it, you will be required to carry such coverage.

Personal injury protection or medical payments is another type of coverage that is worth carrying. It goes above and beyond traditional health coverage and provides for extra coverage in the case of bodily injury! You may also want to consider rental car coverage or towing and labor coverage if you do not have these types of services from other places.

How to Choose Indiana Automobile Insurance Plans

Get a variety of quotes on your Indiana automobile insurance plans. Compare them based on similar coverage. Look closely at the differences between companies, as well as price differences. Let an online quote tool like InsuranceBestPrices.com help you choose from the different Indiana automobile insurance plans available. Get started today!