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Indiana Auto Insurance for New Drivers

 

Getting started as a new driver can seem exciting but also a little overwhelming. There are plenty of rules and regulations that you need to know and that doesn't even cover getting Indiana auto insurance. Once you have your driver's license and are ready to get your first vehicle, you first need to understand the basics of Indiana auto insurance.

You don't need to know the auto insurance industry from top to bottom, but you do need to know the basics and some of the laws governing Indiana auto insurance. Here are a few things you should know before you purchase your first Indiana auto insurance policy.  

 

Indiana Auto Insurance Minimum Requirements

As with most states Indiana has minimum auto insurance requirements that must be met. You must carry at least 25/50/10 liability insurance in order to drive in Indiana. This means $25,000 worth of coverage for bodily injury per person, not including yourself, per accident and $50,000 total bodily injury per accident. You also must carry protection for personal property damage in the amount of $10,000 per accident.

If you do not have this minimum amount of Indiana auto insurance, you will face a license suspension of 90 days and a reinstatement fee of at least $225. If you are caught multiple times driving without the proper Indiana auto insurance, you will face lengthier license suspensions and higher reinstatement fees.

 

Ways to Save Money On Indiana Auto Insurance

Being a new driver, you are most likely young and inexperienced. This means you may have to pay a little more for auto insurance. Don't fret, however, as there are plenty of ways for you to save money on your Indiana auto insurance.

 

• Get a practical car: A sports car in the hands of a teenage driver scares an auto insurance company. Try to find an economy car with a smaller engine and you can keep your auto insurance premiums low.

• Keep your grades up: Most Indiana auto insurance companies will give good student discounts that can last through your high school and college years up to the age of 25.

• Make sure your car has safety features: Safety features such as anti-lock breaks, air bags and automatic seatbelts can help to chip away at your Indiana auto insurance premiums.

• Stay on your parents' auto insurance: If you are on your parents Indiana auto insurance policy, you should be able to take advantage of the years of good driving (hopefully) that they have built up.

• Take a defensive driving course: You may have just finished your driver education training to get your license, but you still may qualify for a discount for an additional defensive driving course. Ask your Indiana auto insurance representative if this discount exists and which courses qualify.

 

It should go without saying that you need to keep your driving record clean as a new, young driver. A couple of speeding tickets early on in your driving history can make your Indiana auto insurance premiums rise through the roof.

 

Use the Internet to Shop for Indiana Auto Insurance

Some Indiana auto insurance companies are better for new drivers than others. This means you will need to shop around to figure out which company will offer you the best coverage at the best price.

You will be amazed at how much information you can get in only a few minutes concerning various Indiana auto insurance companies, policies and rates. Visit Indiana auto insurance rate quote sites to get multiple quotes simply by filling out on online application. You can use these rate quotes to compare prices and get the best deal on Indiana auto insurance.

 

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