Frequently Asked Questions

vehicle insurance answers

WHAT INFORMATION IS NEEDED TO GET QUOTES ONLINE?

Basic details about you, other drivers to be listed, the car, covers required, current insurance position.

HOW LONG WILL IT TAKE TO GET A RATE QUOTE ONLINE?

It takes about 5 minutes to complete each application. You can get as many quotes as you want from various companies. Alternatively, you can fill one form and wait for the agents and insurance companies to contact you with a quote.

WILL MY ONLINE QUOTES BE CORRECT?

As long as you provide all the information required accurately you will get an exact quote from each company.

HOW LONG DOES IT TAKE TO BUY A POLICY ONLINE?

Usually, payment process is pretty quick and once it is over, you can sign into your account and see policy documents, download or print proof of insurance. 

HOW MANY QUOTES SHOULD I GET ONLINE?

Most people get at least three quotes but five or six is better to extend your net and find the cheapest car insurance rates possible.

WHAT FACTORS AFFECT VEHICLE INSURANCE RATES?

  • Age & Gender
  • Marital status & Homeownership
  • Driving records of all the drivers
  • Type of vehicle
  • Credit Score
  • Claim History

WHO NEEDS TO BE LISTED ON MY POLICY?

All the members of your household 15 year old and older and anyone listed on the title or loan of the vehicle(s).

WHY DOES THE OWNER NEED TO BE LISTED?

The owner is financially responsible for any accident or damage to persons or property caused by the automobile, even if they don’t drive or have a license. 

WHO SHOULD BE INCLUDED AS A DRIVER?

You should include anyone who may regularly drive your automobile. And you should list all the drivers in your household. Failure to disclose drivers could result in premium surcharges or denied claims.

SHOULD I INCLUDE MY SPOUSE ON MY APPLICATION?

Yes. Your partner should be included in the policy either as a listed driver or joint policyholder. If you don’t want to include him/her you should specially exclude with the knowledge of insurer.

DOES CAR’S COLOR AFFECT RATES?

Vehicle insurance is color blind. It doesn’t matter what color you choose. 

WHAT IS A HIGH-RISK DRIVER?

Drivers with several tickets, convictions or accidents for driving under the influence (DUI or DWI) of alcohol are considered high risk. Furthermore, young and inexperienced drivers are considered high-risk.

Car Information

WHICH ARE THE LEAST EXPENSIVE VEHICLE MODELS TO INSURE?

Usually, the automobiles that are common and used by ordinary families are cheaper to insure because their parts are cheap. Here are some examples; Ford, Buick, Chevy, Chrysler, Dodge, Honda, Hyundai, Jeep, VW, Kia, Mitsubishi, Nissan, Pontiac, Toyota, Suburu and Suzuki. 

WHICH ARE THE MORE EXPENSIVE VEHICLE MODELS TO INSURE ?

Specialty cars and sports models are more expensive to insure like BMW X5, Hummer, Jaguar, Land Rover, Porsche & Saab.

IS AUTO INSURANCE REQUIRED IN INDIANA?

Yes. All drivers in state of Indiana are required to carry automobile insurance.

Coverage

WHAT IS A DEDUCTIBLE AND HOW DOES IT WORK?

A deductible is the part of each claim policyholder must pay out of pocket. Each policy usually comes with a preset deductibles figures for collisions and comprehensive sections. You can increase it to reduce your premium as long as you have money in the bank to pay for the increased deductibles.

WOULD PREMIUMS GO DOWN WHEN YOU RENEW?

As long as you don’t have any claims or recent traffic violation tickets you should see your premium go down. This is not a rule and there are exception. For example, the rates may have gone up across the board. In that case, even if you have the same premium it would mean that you got some discounts. 

HOW DO I FILE A CLAIM?

Most companies that are selling auto insurance online have claim handling facilities online as well. But you should keep the claim helpline number of your car insurance provider so that you can call them even from the scene of accident. Once you notify them they will let you know what to do next and what documents they need.

WHAT KIND OF COVERAGE SHOULD I CARRY?

In Indiana, you are required by law to carry at least bodily injury, property damage and uninsured motorist coverage. If you’re financing a vehicle your lender will also require Gap, comprehensive and collision coverage. Other covers, such as medical, towing, rental reimbursement, etc., are up to the owner.

SHOULD I BUY MY POLICY FROM AN INDEPENDENT AGENT?

Choosing an independent insurance broker is preferable over tied agents that work only for one company. However, many people feel confident enough to arrange their policies on the Internet as well. You can also go direct to the insurers of your choice. 

Documents

WHAT IS AN EXCLUSION FORM?

An exclusion form is there to say that one or more people in your household will not be driving insured automobile. Usually it is the spouse. If he/she is not a licensed driver but qualifies the vehicle owner for married discounts.