When you purchase a new car in Indiana, you are obviously going to want to ensure that you have adequate car insurance coverage. Full coverage insurance is a great idea for anyone who has invested a large amount into a new vehicle purchase as well as those who have financed the cost of their new car. Along with the mandatory liability coverage required by state law, there is also a need for both collision and comprehensive coverage.
Medical coverage is also considered to be a vital part of any full coverage car insurance policy. When asking for a quote, you may want to consider taking out the highest medical coverage that is being offered to you. Doing this will ensure that should you be in an accident, your medical needs as well as those in the car with you, will be taken care of. Even in a small collision, injuries can be very substantial and can result in time spent in the hospital as well as in therapy.
Also, ask about coverage for towing your vehicle after a collision. If you don’t have this type of coverage being offered with your auto club membership, it can be worthwhile to add it to your full coverage policy. The same is true of a rental car. You may need this should your vehicle need repairs after a collision.
Although Indiana is most well-known for being the home of the Indy 500, the average motorist can’t put the pedal to the metal without expecting to see a rise in their car insurance rates. You should expect to pay more for a full coverage policy if you have a driving history that does include a few speeding citations. Even if you have moved to Indiana from another state, your insurance information will follow you, so try and stay within posted limits to enjoy lower rates.