Most states across the U.S. mandate drivers to have car insurance before lawfully hitting the road. However, these requirements vary from state to state, meaning the coverage you need in one state may differ in another. An example is the 25/50/25 requirement involving a handful of states, including Indiana. What does this mean for you if you’re a driver in Indianapolis, IN? Our team at Irvington Insurance is here to help you understand more about auto insurance coverage requirements and assist you in securing the amount of coverage you need.

Understanding the 25/50/25 Requirement

The 25/50/25 requirement is an abbreviation of the dollar amounts mandated for each type of minimum coverage in Indiana. Sequentially from left to right, this includes a minimum of $25,000 for bodily injury liability coverage per person, $50,000 for bodily liability injury coverage per accident, and another $25,000 of coverage for property damage liability. While adhering to the minimum amount is technically enough, it’s generally recommended for drivers to consider extending these minimums to enhance their peace of mind on the road. A more comprehensive policy with greater coverage will help you navigate any potential road issues with ease and confidence.

Start with Irvington Insurance for Minimum to Comprehensive Coverage

Understanding auto insurance can be challenging, and finding the right insurance policy can be likewise daunting. However, we at Irvington Insurance in Indianapolis, IN, are committed to ensuring you’re well-informed about auto insurance and have the resources to find suitable policies. Start comparing quotes with us today!

Experience Outstanding Auto Insurance Services at Irvington Insurance

Irvington Insurance in Indianapolis, IN, prides itself on its committed, capable insurance specialists who strive to tailor your auto insurance to fit your precise needs. Our years of experience ensure thorough elucidation and effective navigation of complex insurance details.

Protecting Your Teen Driver with Auto Insurance

When considering auto insurance for your teen driver, there are crucial factors to bear in mind. Teen drivers often cause insurance rates to rise as they are considered high-risk. However, including your young driver in your policy ensures their full insurance in case of an accident. Further, knowing your teenager is insured brings invaluable peace of mind.

Assessing your teen’s driving record and level of experience is crucial, as these variables directly influence insurance rates. Although having a teen driver included may initially seem costly, the safety and security it brings can outweigh financial considerations.

Optimal Auto Coverage in Indianapolis, IN

At Irvington Insurance, serving Indianapolis, IN, we offer top-tier auto coverage to meet your unique needs. Our professional team is geared toward selecting the best insurance plan that only provides what you need.

Contact us today and receive industry-leading service and the peace of mind that comes with comprehensive coverage. Trust in Irvington Insurance for unparalleled auto insurance plans in the Indianapolis area.

When you submit a claim against your auto insurance, it’s important to have all of your information straight and to know what your insurance company needs from you to make that claim.

At Irvington Insurance, servicing Indianapolis, IN, we proudly provide information to our customers to help them through the claims process. We know that filing an insurance claim can be stressful, and we’re here to make the process as smooth and stress-free as possible. Here’s what you need to know. 

1. Know Your Deductible

Your deductible is the amount you must pay for your vehicle repair before your auto insurance will pay. The deductible varies from one policy to another.

Some people choose a higher deductible because it will save them money on their auto insurance policy, while others choose a lower deductible because they want to pay less if they have to file a claim. You can find your deductible amount by contacting your insurance agency or looking at your policy. 

2. Know How Long You Have to Submit a Claim

Your insurance agency will require your claim to be submitted within a certain period. This information is important, especially if you don’t plan to file your claim immediately after the covered event. 

3. Know What’s Required to Submit a Claim

Your insurance agency will require specific types of paperwork when you file a claim against your insurance. Knowing what’s required when you submit a claim will help you submit all the paperwork on time and keep your claim moving smoothly. At Irvington Insurance, servicing Indianapolis, IN, we can answer your questions and give you the information you need to submit a claim through your car insurance. Call today. 

If you’re purchasing a vehicle for the first time, you need to think about insurance. In the state of Indiana, a minimum of liability insurance is required. If you’re financing a vehicle, most finance companies require full coverage, which includes collision and liability. There is even the option to add comprehensive insurance, which covers your vehicle in case it’s damaged during an event that doesn’t include a car accident. If you’re having trouble choosing insurance for your new vehicle, here are some tips that can help.

Do Your Research

Instead of simply choosing the first auto insurance company you can think of, it’s a good idea to conduct some research. Rates and coverage can vary dramatically regarding different insurance agencies, so research is a good idea. During your research, be sure to inquire about any discounts that may be available. It can be easier to check out different insurance agencies online, but making phone calls and in-person visits are fine, too. 

Be Sure to Purchase the Right Type of Insurance

Determining whether to purchase liability or full coverage insurance can be difficult if your car is paid in full. However, some things to take into consideration are:

• How often you drive the vehicle (the more often you drive, the greater your probability is of becoming involved in an accident)
• How new the vehicle is (if the vehicle is new, full coverage is recommended because replacement in the event of a total loss could be expensive)
• Your budget

If you’re in the Indianapolis, IN area, consider Irvington Insurance. We have been providing top-notch service and coverage to our customers for years, and we’re ready to provide the same to you. Contact Irvington Insurance today, and one of our experienced and professional licensed agents will be more than happy to give you a quote. 

If you’re looking for auto insurance in the Indianapolis, IN area, you want to ensure you get the quality and value you deserve. To do that, you want to work with trusted agents you can rely on to help you choose a policy. At Irvington Insurance, our dedicated professionals will work with you to find coverage that meets your needs. Here’s how to get the most from your auto policy.

First, it’s important to shop around. When you work with us, we’ll look at the options from several different insurers. Then you can see everything in one place, and you won’t spend all day making phone calls or asking for details from multiple companies. With everything laid out in one spot, you can get questions answered fast and choose the right policy for your needs.

Second, you want to ensure you cover what matters most. There are minimum limits you have to meet, but many people choose to have more coverage than that. Why? Because it provides additional peace of mind. Even if a particular type of coverage isn’t required or minimum limits are low, you can always choose to have more coverage so that you can worry less.

Third, consider reviewing your policy at least once per year. Circumstances can change, and a different insurer might be a better choice than your current one. If you don’t review your policy with your agent, you could miss out on additional value. A yearly review helps avoid that.

Reach out to us at Irvington Insurance today if you’re in the Indianapolis, IN area and looking for quality auto insurance you can rely on. Our agents are here to help you feel good about your insurance policy options.

You have plenty of options available when you’re on the market for auto insurance in Indianapolis, IN. At Irvington Insurance, we can offer you auto insurance to protect you financially as a motorist. 

The following are four rules that you should always follow when you buy auto insurance. 

Understand the types of coverage that are available

There are plenty of coverage types available when you purchase auto insurance. You need to get liability coverage to drive legally in Indiana. 

You also have the option of buying collision, comprehensive, uninsured motorist, and rental vehicle coverage. These are just a few of the coverage types you can buy. Knowing these coverage types and how they can benefit you when choosing a policy is essential. 

Get more than the minimum for your liability coverage

Buying only minimum coverage is generally not a good idea. Liability expenses can be very high in the event of a bad accident. You can purchase more than minimum liability coverage to enjoy more peace of mind and avoid severe financial consequences in the event of a bad accident. 

Learn about ways to save

Auto insurance providers often offer various discounts. You may qualify for a discount for having a flawless driving record or for going through a defensive driving course. 

Explore discounts that may be available to you to get the best deal on your policy. 

Carefully evaluate the quotes that you receive.

When you get quotes, make sure you review them carefully. Evaluate the cost and the coverage each individual provider is offering you to choose a good option for your needs. 

Call us at Irvington Insurance to get a quote on an auto insurance policy in Indianapolis, IN. We can provide you with insurance solutions to meet your needs. 

As a driver in the Indianapolis area, you need to protect your vehicle and yourself with car insurance. Liability protection is essential to any car insurance policy, allowing you to handle any financial losses that may arise from an accident. Irvington Insurance is here to help you find the right coverage in Indianapolis, IN. 

What Is Liability Coverage? 

Liability coverage protects you if you are found at fault in an accident or if you cause damage to someone else’s property. It also covers medical expenses for any injuries that occur because of the accident. The amount of liability coverage needed depends on several factors, including the value of your vehicle and assets. Irvington Insurance can guide what kind of coverage would be best for your situation. 

Why Do I Need Liability Coverage? 

Liability coverage is essential because it can help protect you from paying out-of-pocket for damages resulting from an accident. Without this protection, any costs associated with an accident could be financially devastating. Having the right type and amount of liability coverage will give you peace of mind that you are adequately protected if something unexpected happens while driving on the roads around Indianapolis.  

Do I Need More Than Liability?

While liability coverage is the minimum required by law, it may not be enough to cover all potential damages in an accident. Consider additional protection, such as a collision and comprehensive policy. This coverage will protect you if your vehicle is damaged in an accident, regardless of who is at fault.

Get The Right Coverage For Your Needs

Drivers in Indianapolis, IN need reliable liability protection with their car insurance policies, and Irvington Insurance is here to help! If you’re looking for comprehensive auto insurance coverage tailored to meet your specific needs, contact us today!

Did you know you are breaking the law if you drive without car insurance? Only two states in the country do not require it. If you live in or around the Indianapolis, IN area, Irvington Insurance can provide the coverage you need.

There are three reasons to have car insurance:

• To comply with the laws of your state
• To satisfy lender qualifications
• To protect your personal assets

All states require a driver to take financial responsibility for any damage they are responsible for in a traffic accident. Car insurance became a requirement in 1927, with Massachusetts becoming the first state to require it.

There are three types of coverage under a car insurance policy:

• Liability coverage helps pay for the other driver’s expenses in the event you cause an accident. It does not cover the policyholders’ expenses, however. There are two types of liability coverage: bodily injury and property damage.
• Collision coverage helps to pay for repairs or replacement of your car if damaged in an accident with another vehicle or object, such as a tree or fence. If you are financing or leasing your car, collision coverage is usually required by the lender.
• Comprehensive coverage helps pay for repairs or replacement of your vehicle if it is stolen or damaged in an accident that does not involve another vehicle.

If you are still financing your vehicle, full coverage will provide more protection and will likely be required by the lender. If your vehicle is more than ten years old, has high mileage, or you are financially able to replace it, you may consider a liability-only policy.

Get Auto Insurance Today

If you live in the Indianapolis, IN area, contact the insurance professionals at Irvington Insurance today. They will provide you with a quote or answer any questions you may have. You will be glad you did.

Did you know you are breaking the law if you drive without car insurance? Only two states in the country do not require it. If you live in or around the Indianapolis, IN area, Irvington Insurance can provide the coverage you need.

There are three reasons to have car insurance:

• To comply with the laws of your state
• To satisfy lender qualifications
• To protect your personal assets

All states require a driver to take financial responsibility for any damage they are responsible for in a traffic accident. Car insurance became a requirement in 1927, with Massachusetts becoming the first state to require it.

There are three types of coverage under a car insurance policy:

• Liability coverage helps pay for the other driver’s expenses in the event you cause an accident. It does not cover the policyholders’ expenses, however. There are two types of liability coverage: bodily injury and property damage.
• Collision coverage helps to pay for repairs or replacement of your car if damaged in an accident with another vehicle or object, such as a tree or fence. If you are financing or leasing your car, collision coverage is usually required by the lender.
• Comprehensive coverage helps pay for repairs or replacement of your vehicle if it is stolen or damaged in an accident that does not involve another vehicle.

If you are still financing your vehicle, full coverage will provide more protection and will likely be required by the lender. If your vehicle is more than ten years old, has high mileage, or you are financially able to replace it, you may consider a liability-only policy.

Get Auto Insurance Today

If you live in the Indianapolis, IN area, contact the insurance professionals at Irvington Insurance today. They will provide you with a quote or answer any questions you may have. You will be glad you did.