How Do You Find Car Insurance Quotes in Indiana?

How Do You Find Car Insurance Quotes in Indiana?

How Do You Find Car Insurance Quotes in Indiana?

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.