Whether you are buying a new car or looking for better insurance, we want to be your destination for auto insurance in Brownsburg and the surrounding areas. We offer quality car insurance policies at affordable rates. And we are proud to have built our brand and reputation the old-fashioned way, with superior service, one customer at a time.
When we match customers with an insurance policy, we have their best interests in mind – not that of the insurance company. We ask the tough questions that matter:
- How much do you have to lose in a lawsuit?
- How will you replace your vehicle if it is stolen or totaled in an accident?
- What will you drive while your vehicle is being repaired?
- What are the real-life risks you face as a driver?
- How much can you afford in out-of-pocket costs if you need to file a claim?
Car Insurance FAQs
How much auto insurance do I need in Indiana?
The Indiana minimum auto insurance requirements are designed to provide a small level of protection in the event you damage someone else’s property, or you cause harm to another person. In Indiana, drivers need a minimum of $25,000 per person and $50,000 per accident for Bodily Injury Liability Coverage and $25,000 per accident for Property Damage Liability Coverage. The minimum amount for uninsured motorist coverage is $25,000/$50,000 for bodily injury and $25,000 for property damage, and the minimum amount for underinsured motorist coverage is $50,000 for bodily injury.
What is the best deductible?
The best deductible is what you can afford to pay out of pocket when you file an auto insurance claim. The higher the deductible, the lower your premium will be, and vice versa. A higher deductible means your accepting a more significant portion of the risk yourself. It is best not to take on more risk than you can afford.
What is “full coverage?”
There is no such thing as “full coverage” insurance. Full coverage auto insurance is a term that is used to suggest you have chosen protection that goes beyond the minimum coverage required by your State. It typically includes collision and comprehensive coverage, medical payment coverage, and uninsured and underinsured motorist coverage.
How can I save money on my car insurance?
You can save money on your car insurance by avoiding moving violations, crashes, DUIs, and other incidents. By having a clean driving record, you may also qualify for a safe driver discount. Students may qualify for good student and student-away-at-school discounts. Your vehicle’s anti-theft devices and safety features may also provide more discounts. Paid-in-full, multi-car, and prior carrier discounts are also common.
How long does an auto accident affect my insurance?
A crash won’t impact your car insurance premiums forever. After about three to five years, your rates should recover. Exactly how long this takes will depend on the type of accident as well as the company you are insured with.
Is buying direct cheaper than buying through an agent?
Buying direct is not always cheaper than buying through an agent. You might think that cutting out the middleman would result in cheaper car insurance rates, but when it comes to insurance, this isn’t the case. In fact, an independent agent, one that represents many insurance companies, can often save you money.
What is the best auto insurance company?
The best auto insurance company differs per individual. No insurance company is objectively the best. It all depends on what you’re looking for. Do you want the best customer service, the broadest coverage, or the lowest rates? Or maybe you have unique coverage or underwriting needs? An agent can help you compare car insurance quotes from multiple insurance companies and find the right policy for your situation.
What is the best or cheapest auto insurance rate?
The best or cheapest auto insurance rate can be found by comparison shopping. Compare premiums as well as differences in coverage. An independent insurance agent can help. They can provide options from multiple carriers, along with the expert guidance you need to make a smart choice.
How do I switch to a new auto insurance company?
You can switch to a new auto insurance company at any time, but to avoid overpaying or violating state law, you do need to watch out for a couple of things. Car insurance policies are often sold for coverage periods of six months or one year. In some cases, you may be charged a fee if you decide to cancel your insurance policy early. You may also be entitled to a refund for the unused portion of the premium. You also want to make sure you have continuous coverage to avoid a coverage gap.
Types of Car Insurance Coverage
Car insurance policies are made up of several different types of coverage. Each of which is designed to protect you against a potential loss. Some coverage is mandatory, whereas others are optional. Our team can help you assess your individual risks to determine which ones are right for you.
Examples of common auto insurance coverage types include:
- Bodily Injury (BI)
Bodily Injury coverage, oftentimes referred to as BI, is a type of coverage that’s generally required by most states, including Indiana. If you’re at fault in a car accident that injures someone, bodily injury liability coverage pays for their medical expenses and lost wages that are a result of their injuries. This coverage does have limits, however. If you are responsible for damages beyond your car insurance limits, an Umbrella Policy will help with the excess liability.
- Property Damages (PD)
This coverage is similar to Bodily Injury coverage. Property Damage Liability pays for damages you are responsible for should you damage the property of others while driving your car. The most common property damage is that of the other car in an accident. If you are at-fault for an accident, you may be responsible for repairing or replacing the other party’s vehicle.
- Uninsured/Underinsured Motorist (UI/UIM)
This coverage pays for bodily injury losses. However, instead of providing BI coverage for the other party, this coverage protects you and your passengers. Too many people are driving in the Indianapolis area without sufficient BI limits. Therefore, if you are injured in an accident caused by an uninsured driver or a motorist with too little liability coverage to compensate you for your loss, your UI/UIM will help with your loss.
- Other Coverages
You may also choose to add other types of coverage to your policy. These coverage options include towing, roadside assistance, and rental car reimbursement. These additional coverages can minimize your out-of-pocket costs when faced with an unexpected accident or another event.
Physical Damage Coverage
This is coverage for the physical damage of your vehicle if you have an accident with another vehicle or object. The coverage compensates you for a total loss or helps pay for repairs if your vehicle has only minor to moderate damages.
Comprehensive coverage protects your vehicle against damages caused by non-collision events. Examples include fire, theft, vandalism, and certain weather-related events. It is also the coverage that pays for damage caused by hitting a deer, or other animals. Like collision, comprehensive coverage can pay for repairs or compensate you for the loss of your vehicle.
Indiana Car Insurance Discounts
We work hard to find competitive rates for our customers, as well as discounts that compound coverage savings. We can also show you how simple policy changes, such as raising your deductible, can put money back in your pocket.
There are several ways of saving on premiums without sacrificing the quality of your coverage. Examples include:
- Driver safety discounts
- Claims-free discounts
- Vehicle safety and security discounts
- Good student discounts
- Multiple-vehicle discounts
- Bundling discounts (when you combine auto with home, renter’s or some other type of coverage
- And more
Shopping Around? Contact Your Local Independent Agent at Tolbert Tower Insurance
Shopping and comparing car insurance rates is easy here in Brownsburg. As an independent insurance agency, we explore coverage solutions from multiple Indiana auto insurance companies. We will find a policy that meets the needs, preferences, and budget of our customers. We enjoy getting to know our clients and building trusting relationships that will last a lifetime.
If you are in the market for car insurance, let our team do the heavy lifting. Contact us today to request your free quote and to find out how an independent agent can save you money on car insurance.