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?
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.