{"id":56,"date":"2025-05-30T04:00:00","date_gmt":"2025-05-30T10:00:00","guid":{"rendered":"https:\/\/www.completelyindependentinsuranceagency.com\/blog\/?p=56"},"modified":"2025-05-28T13:37:00","modified_gmt":"2025-05-28T19:37:00","slug":"why-basic-auto-insurance-isnt-always-the-right-choice","status":"publish","type":"post","link":"https:\/\/www.completelyindependentinsuranceagency.com\/blog\/why-basic-auto-insurance-isnt-always-the-right-choice\/","title":{"rendered":"Why basic auto insurance isn&#8217;t always the right choice?"},"content":{"rendered":"<p>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.<\/p>\n<h2>Understanding Basic Auto Insurance<\/h2>\n<p>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&#8217;t have a substantial amount of assets. As long as you can afford to replace it yourself, it&#8217;s all good. For everyone else, this may not be a good option.<\/p>\n<h2>Reasons Basic Insurance May Not Be the Right Choice<\/h2>\n<p>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.<\/p>\n<p>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&#8217;t have to worry about affording anything but the deductible.<\/p>\n<h2>Get in Touch with Completely Independent Insurance Agency<\/h2>\n<p>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.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>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 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[9,7,6],"class_list":["post-56","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","tag-auto-insurance","tag-completely-independent-insurance-agency","tag-zionsville-in"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"In Indiana, drivers are required to have at least 25\/50\/25 in basic auto coverage. 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