Visit the website of one of the insurance companies that offers auto coverage in Indiana, and call the toll-free number to get a quote, or fill out the online information form, according to Esurance and Progressive. The preliminary quote precedes a final quote from a telephone representative.
The factors that car insurance companies use when calculating a premium quote include the applicant's age, gender, marital status, driving record and claims history. The make, model and year of the car play a role, as does the average yearly mileage that the applicant expects to drive. The ZIP code of the residence where the applicant plans to park the car is a factor. The last elements are the financial deductibles, limits and coverages that the applicant selects, reports Esurance.
As of 2015 Indiana drivers must carry liability coverage at these minimum levels: $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per claim and $10,000 in property damage liability coverage per claim. Many times these numbers appear as 25/50/10 on online claims. Higher limits are available for a higher premium, as are collision coverage for the applicant's own vehicle, underinsured motorist coverage, rental car and towing coverage, loan or lease gap coverage, emergency roadside service, and other add-ons, according to Esurance.