Tag: auto insurance

In Indiana, drivers are required to have at least 25/50/25 in basic auto coverage. Almost every state has requirements, but they can require additional coverage and varying amounts, so it is important, no matter where you live, to double-check what you need to have. At Completely Independent Insurance Agency in Zionsville, IN, it is part of our customer care as independent insurance agents to make sure that our customers have the mandated coverage.

Understanding Basic Auto Insurance

Basic auto insurance is just that: basic. It protects other drivers from an accident that you are responsible for. However, it does nothing to protect your vehicle. If you have an older vehicle with no loan or lease and little cash value, then basic coverage may be sufficient for you, as long as you don’t have a substantial amount of assets. As long as you can afford to replace it yourself, it’s all good. For everyone else, this may not be a good option.

Reasons Basic Insurance May Not Be the Right Choice

If you have a lease or a loan, you will need to have at least collision and comprehensive coverage to protect your vehicle. If you owe more than what the insurance company may give you to replace your vehicle, then adding gap coverage is also a good option to add to your policy.

As a busy person who drives a vehicle every day to get to work, run errands, and go about everyday life, your vehicle is a necessity. Having the cash to buy a new car or make a down payment may not be easy. If you have auto insurance, you won’t have to worry about affording anything but the deductible.

Get in Touch with Completely Independent Insurance Agency

If you have questions about auto insurance coverage in Zionsville, IN, our team at Completely Independent Insurance Agency is here to help you make sure you have the coverage that is right for you.

Are you planning to upgrade your existing vehicle or purchase a new one? Owning a more valuable car or truck than what you currently drive could require changes to your automotive insurance policy.

Liability Protection

Consider how much liability protection you need. If your upgraded vehicle is faster than what you are accustomed to driving, your risk of being involved in a fender bender may increase. Adequate protection will prevent you from being responsible for high out-of-pocket fees resulting from damaging another vehicle or personal property.

Collision Coverage

If your upgraded vehicle is substantially more valuable than your existing vehicle, it may cost more to repair it. If so, you may decide to increase the collision coverage your automotive policy provides. Collision coverage will pay for mechanical and cosmetic repairs that your vehicle needs if it is involved in an accident.

Add-On Coverage

If you drive your upgraded vehicle with accessories, you may want to obtain add-on coverage. There is a wide range of add-on products to choose from. You can choose coverage for a trailer hitch, stereo system, navigational aid, or any other accessory.

Roadside Assistance

If you frequently drive your vehicle, you may benefit from obtaining roadside assistance coverage. If your vehicle breaks down, this coverage will pay for towing bills, mechanical parts, and other essentials.

An Agent From Completely Independent Insurance Agency

Give one of our insurance agents a call. An agent who serves Zionsville, IN will assist with the automotive insurance upgrades that you are seeking. They will advise you and upgrade your current automotive insurance policy.

Completely Independent Insurance Agency can help parents in Zionsville, IN insure their teen drivers to minimize potential dangers. This process requires understanding a few critical hacks that can greatly impact the quality and cost of these policies in various powerful ways.

Buy a Safe Car

It’s tempting to buy teens a very cheap car, but this does them a disservice. If you can afford it, get one that’s as safe as possible. Doing so not only keeps them protected on the road but can decrease their insurance rates, which is a huge deal for parents who want a great policy.

Help Them Get Good Grades

Many insurance companies offer better rates and more policies to teens with good grades (a B or higher). College-aged students must take at least 12 credits to qualify, which can help parents save and identify better protection for their young ones.

Find Teen-Specific Options

Many companies offer teen-specific policies and bundles focusing on their unique needs. This ensures that young ones get the attention they need and avoid unnecessary coverage. Just ask us about your options, and we’ll find some you’d like.

Bundle With Yours

Teen insurance is usually easy to bundle with parents’ insurance, meaning teens can get even better options. Many companies prefer this approach because it allows them to collect information in a timely manner and expands their coverage to more drivers.

Work With a Trusted Team

Lastly, finding an insurance agent with years of experience can significantly streamline your experience. Call us at Completely Independent Insurance Agency to get protection for your teen in Zionsville, IN. We’ll work with you to find a policy that makes the most sense for your needs.