Cheap Car Insurance Indiana
Reader’s Question:
Is car insurance required in Indiana? Can you tell me what coverage should I get? If I drive without car insurance what is the penalty if you get caught?
Harriet
Indianapolis, IN
Driving without car insurance on the car you are driving is against the law. So before you drive a car on a public road, you have to make sure that any vehicle you are operating has insurance on it that will cover you as a driver if you use it.
In Indiana, you need to purchase minimum liability coverage of 25/50/10. These amounts stand for:
- $25,000 bodily injury to 1 person.
- $50,000 bodily injuries more than one person.
- $10,000 property damage.
According to the Indiana Department of Insurance each newly written car insurance policy must include uninsured and underinsured motorists coverages, unless you reject this in writing. The limits are:
- Uninsured Motorists: Bodily Injury: $25,000/$50,000
- Property Damage: $10,000
- Under insured Motorists: Bodily Injury: $50,000
Driving uninsured in Indiana is a Class A infraction. If you are convicted of driving without car insurance in Indiana you will be subject to a 90 day license suspension up to 1 year suspension. In order to reinstate your license, you need to pay a reinstatement fee of $150, $225, or $300, depending on the degree of the offense.
Cheapest Car Insurance For Women In Indiana
Reader’s Question:
Why is a car insurance for women much cheaper than those offered to men?
Aubrey
Indianapolis IN
The issue of less expensive car insurance for women has not been a major concern for many car insurance companies in the market. However, this has changed since a few years ago with some car insurance companies offering special treatment and offers to their female clients.
With the advent when credit cards companies offer cards and benefits specifically made for women, and shopping malls giving fabulous discounts to women shoppers, car insurance companies cannot be left behind. Some of these insurance companies are offering car insurance for women with significant discounts compared to the ordinary car insurance.
Car insurance for women tends to be much cheaper than for men especially in their younger years. Then it usually plateau when women reached their mid-40s. The reasons why car insurance for women are less expensive than for men is because premiums in car insurance policies are generally based on a variety of statistics study that shows women can drive cars more safely than men.
Studies have shown that most women drivers are careful drivers. They drive more slowly than men. Furthermore, they tend to drive for short distances only compared to the men.
Studies have also shown that women are more prone to many accidents as compared to men. However, statistics further showed that road accidents caused by men are likely to be more serious than those caused by women. Thus, in terms of filing claims against their insurance policy, car insurance companies see lesser risk in women than in men.
Statistics in government institutions show that almost all of the driving violations are made by men. Furthermore, the figures show that a greater majority of accidents due to dangerous and reckless driving are caused by men.
So are you glad to be a woman? It may be great to enjoy these benefits but you may further find the best coverage at an affordable price in Indiana when you are able to compare various car insurance quotes from many companies.
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