Best Car Insurance in Indiana

No, you cannot insure a car with a salvage title in Indiana. Salvage vehicles are cars that have been declared a total loss, meaning they're too damaged to be worth repairing and cannot be driven legally. As a result, no legitimate car insurance company writes policies for them.

Although insurance companies in Indiana won't insure a car with a current salvage title, you can get coverage if you have the vehicle repaired and inspected by a state-certified mechanic. If it's declared safe to drive, the DMV will issue the car a rebuilt title. Several insurance companies, including Allstate and Geico, sell policies to vehicles with a rebuilt title.

Keep in mind that some insurers will only sell liability insurance for rebuilt cars, meaning that they won't pay for any physical damage to the vehicle. Even if you are able to get collision and comprehensive insurance, your policy may not cover the full value of the car if it's totaled again.

Insurance companies in Indiana do not have a specific amount of time in which they must settle an insurance claim. Instead, state law requires them to settle claims "reasonably promptly".

Even though Indiana does not require a specific timeframe for the resolution of insurance claims, you still have the right to an efficient settlement. If you think that your insurance company is violating the law or operating unethically, you can file a “bad faith” lawsuit, which can award you the original settlement amount with added interest and penalties.

With that being said, it's important to remember that several factors can affect exactly how long it takes for an insurance company to settle a claim. For example, severe accidents, claims involving bodily injury, and poor communication between involved parties can all slow down the process.

No, you do not need uninsured motorist property damage insurance in Indiana – it is optional. Indiana law requires car insurance companies to offer you $25,000 in uninsured motorist property damage (UMPD) coverage, but you can reject it.

Even though it's not required, UMPD is a good investment for drivers who want to avoid paying out of pocket to fix their car after an accident caused by an uninsured or underinsured motorist. However, UMPD is similar to collision insurance, which pays to fix your car after any accident you're in. So, if you already have collision coverage, you do not need UMPD.

To learn more, check out WalletHub's guide to uninsured motorist insurance.

You can get car insurance discounts in Indiana based on how you drive, the car you own, and your relationship with your insurance company. In Indiana, car insurance companies are allowed to consider factors like employment, residential, and marital status when setting premiums. That means there are also discounts available for being married, owning a home, or being affiliated with certain employers or educational institutions.

Almost anyone can get a discount on car insurance in Indiana because most insurance companies make it easy to qualify for a variety of savings. Indiana insurers typically offer discounts that fall into one of three categories—policy discounts, driver discounts, and vehicle discounts.

Policy discounts typically reward customer behavior that is desirable to the insurance company. For example, most Indiana drivers can save by registering for paperless billing or getting both home and auto policies from the same company. Driver discounts are available to Indiana residents who are lower-risk to insure, like those with clean driving records. And vehicle discounts help drivers save if their car has certain safety features or anti-theft systems.

Car Insurance Discounts in Indiana

Remember, discounts vary among different insurance companies, so it's always best to contact the provider directly to determine which discounts you qualify for.

Full coverage insurance in Indiana is usually defined as a policy that provides more than the state's minimum liability coverage, which is $25,000 in bodily injury coverage per person, up to $50,000 per accident, and $25,000 in property damage coverage. Full coverage in Indiana also includes optional collision and comprehensive insurance. As a result, full coverage insurance costs an average of $1,113 per year in Indiana, while a state minimum policy costs $409.

If you can't afford to repair or replace your car after an accident, collision and comprehensive are important coverage types—even if they're not required. Collision insurance covers repair or replacement costs if you are in an accident, drive into an object, or flip your car. Comprehensive insurance covers repair or replacement costs if your car is damaged by falling objects, natural disasters, floods, fires, theft, vandalism, or animals. Full coverage insurance costs an average of $1,113 per year in Indiana, while a state minimum policy costs $409. Lenders usually require collision and comprehensive in addition to the insurance you must have under Indiana law when you finance a car.

Most people should also choose higher liability coverage limits than what is required by Indiana law. If you cause an accident and your liability limits don't cover the whole bill, you are still personally responsible for the rest. In the end, “full coverage” means having the right amount of coverage to protect your assets in a worst-case scenario.