Free Auto Insurance Comparison

Compare Quotes from Top Companies and Save

Auto Insurance Companies

Gary Car Insurance

Gary, Indiana is located southeast of Chicago and is a portion of the Chicago metropolitan area. Historically, Gary was the home of U.S. Steel and is still the site of their largest domestic industrial complex.

The decline of the steel industry in the United States has caused a decline in the economy and population of the area. In the 2010 census, population was at about 80,000 people for the area.

Efforts are being made by the city of Gary to bring in new businesses and revitalize the area.

A large portion of the basis for financial development in a city is due to the backing and security that can be afforded by insurance companies. Insurance in the form of car insurance and homeowners insurance helps people protect the assets they have accumulated.

Even so, insurance is a substantial portion of the budgets for most households. Active shopping for the best possible price and company can save money while keeping your insurance responsive to the needs of your household.

Enter your zip code now to receive FREE car insurance quotes from top companies in Gary!

Gather Information about Car Insurance Companies

Comparing premiums by getting quotations from several different insurance companies can save you money. Begin by consulting with your friends, family members, and co-workers to determine their experience with various companies regarding claims service, response to queries, and general reliability.

Examine complaints and financial information about the particular insurance companies by accessing the following resources:

  • National Association of Insurance Commissioners (NAIC)
  • Indiana State Website for Insurance
  • A. M. Moody Rating Service

It is important that insurance companies be reliable financially as well as in settling claims to forestall major difficulties should there be catastrophic losses. Checking their financial status is important in your search for insurance.

Determine the Limits of Liability Required by the State

Since car insurance limits are dependent upon the requirements of state legislatures, you need to examine the requirements of your own state. The state of Indiana has an insurance website that will help you with this information. Limits required are:

  • $25,000 per person bodily injury liability - pays for death costs, doctor's bills, hospital bills, and rehabilitation costs for one person injured in an accident for which you are responsible.
  • $50,000 per accident bodily injury liability – pays for death costs, if any – physician's charges, hospital bills, and rehab costs for more than one person injured in an accident for which you are responsible. Insurance is limited to the amount purchased.
  • $10,000 per accident property damage liability – pays for damage to the property of others such as their vehicle or other property resulting from an accident for which the person purchasing the insurance or a member of the household is liable.
  • $25,000/$50,000 Uninsured Motorists coverage – which pays for your injuries in the event that you have an accident with someone who has no insurance. Statistics indicate that up to 17% of the individuals who drive do not have insurance to protect you or them.

In addition to this coverage, you may wish to purchase some other types of coverage. Individually these do not cost a great deal and can make your life a little easier:

  • Medical payments coverage – pays for medical and/or funeral expenses for you or others riding in your car in the event of an accident.
  • Rental reimbursement coverage – pays $20 to $25 per day to rent a vehicle to replace yours while it is being repaired from an accident.
  • Towing and labor coverage – pays the costs of towing your vehicle to a repair shop after an accident.

You do have to ask for this coverage for them to be made available to you.

Repairing Your Own Car if Something Happens to It

Liability coverage only offers payment to others in the event of an accident for which you are responsible. Most of us have a lien against the vehicle to make certain that we pay for the car. To have the valuable asset of your vehicle protected you need to purchase the following types of insurance:

  • Comprehensive Coverage – pays for damage to your own vehicle from the following perils – fire, severe weather, vandalism, flood, theft, glass, and animal damage.
  • Collision Coverage – pays for colliding with another object such as a car, light pole, or tree.

A deductible is applied to Comprehensive and Collision coverage. The size of the deductible can reduce your premiums.

The deductibles vary from $100 to $1000 depending upon your needs. Be careful about the size of deductible you choose so you can afford to pay it if an accident occurs.

Deductibles are subtracted from a claim settlement when you have one.

How to Get Quotations for Car Insurance

First, consider what limits of coverage you wish to purchase. The basic limits of insurance are okay, but consider the assets you may wish to protect.

If you own a home, have investments, and have two or more vehicles, you may wish to carry additional insurance to protect yourself.

The following limits are recommended for protection:

  • Bodily injury liability  ($100,000 per person/$300,000 per accident)
  • Property damage liability ($50,000 per accident)
  • Medical payments coverage ($5,000)
  • $500 deductible Comprehensive coverage
  • $500 deductible Collision coverage
  • $100,000/$300,000 Uninsured Motorists coverage

Add additional coverage for such things as towing and rental reimbursement. Prepare the statistics you will need to complete an application:

  • Names, Dates of birth, and drivers license numbers for all drivers in your household – be sure to include under-age drivers
  • Drivers records for all drivers
  • Make, model, and VIN number for all owned vehicles
  • Certificates of completion for student driving courses as well as defensive driving courses for those over 65
  • Address, place of garaging, and usage of each vehicle
  • Estimated annual miles driven for each vehicle

Call an insurance company, visit websites for insurance companies, or go to an agent in your area to obtain quotations for car insurance.

Take the data you have collected and enter it into an application to obtain a quote.

It's best to obtain at least three quotations for insurance to get an adequate comparison of premiums and coverage.

If you should be unable to obtain insurance from a regular insurance company, all agencies are able to provide information about a special risk program in Indiana designed to help individuals purchase insurance even with an excess of tickets and citations.

Saving Money on Insurance

By comparing quotes in the insurance marketplace, you have begun the process of saving money on your insurance. There are a number of other ways to save money:

  • Maintain a clean driving record with a minimum of citations and offenses
  • Carefully examine the cost of insuring a vehicle before you purchase it. A good deal on a vehicle can be negated by insurance costs
  • Encourage youthful drivers to keep a grade average of B or better to obtain a good student discount
  • Older drivers should complete defensive driving workshops offered by a number of associations for the elderly
  • Examine your deductibles to see if you can afford to increase them

Failing to Purchase Insurance Is Not an Option

Not having insurance can risk your future earnings as well as any assets that you have now. In the event of an accident for which you are at fault, you are responsible for damages to property, injury to others, and any attorney's fees that may result. In addition, you will lose your driver's license.

Going without insurance is a risky practice because you can damage yourself and your family. Contact an insurance agent and pursue insurance quotes.

You can get car insurance quotes for FREE by entering your zip code below! Check rates from multiple companies and choose the best fit for you.

Free Auto Insurance Comparison

Compare Quotes from Top Companies and Save

Copyright © 2024 Gary Car Insurance