You have plenty of options available when you’re on the market for auto insurance in Indianapolis, IN. At Irvington Insurance, we can offer you auto insurance to protect you financially as a motorist. 

The following are four rules that you should always follow when you buy auto insurance. 

Understand the types of coverage that are available

There are plenty of coverage types available when you purchase auto insurance. You need to get liability coverage to drive legally in Indiana. 

You also have the option of buying collision, comprehensive, uninsured motorist, and rental vehicle coverage. These are just a few of the coverage types you can buy. Knowing these coverage types and how they can benefit you when choosing a policy is essential. 

Get more than the minimum for your liability coverage

Buying only minimum coverage is generally not a good idea. Liability expenses can be very high in the event of a bad accident. You can purchase more than minimum liability coverage to enjoy more peace of mind and avoid severe financial consequences in the event of a bad accident. 

Learn about ways to save

Auto insurance providers often offer various discounts. You may qualify for a discount for having a flawless driving record or for going through a defensive driving course. 

Explore discounts that may be available to you to get the best deal on your policy. 

Carefully evaluate the quotes that you receive.

When you get quotes, make sure you review them carefully. Evaluate the cost and the coverage each individual provider is offering you to choose a good option for your needs. 

Call us at Irvington Insurance to get a quote on an auto insurance policy in Indianapolis, IN. We can provide you with insurance solutions to meet your needs. 

As a driver in the Indianapolis area, you need to protect your vehicle and yourself with car insurance. Liability protection is essential to any car insurance policy, allowing you to handle any financial losses that may arise from an accident. Irvington Insurance is here to help you find the right coverage in Indianapolis, IN. 

What Is Liability Coverage? 

Liability coverage protects you if you are found at fault in an accident or if you cause damage to someone else’s property. It also covers medical expenses for any injuries that occur because of the accident. The amount of liability coverage needed depends on several factors, including the value of your vehicle and assets. Irvington Insurance can guide what kind of coverage would be best for your situation. 

Why Do I Need Liability Coverage? 

Liability coverage is essential because it can help protect you from paying out-of-pocket for damages resulting from an accident. Without this protection, any costs associated with an accident could be financially devastating. Having the right type and amount of liability coverage will give you peace of mind that you are adequately protected if something unexpected happens while driving on the roads around Indianapolis.  

Do I Need More Than Liability?

While liability coverage is the minimum required by law, it may not be enough to cover all potential damages in an accident. Consider additional protection, such as a collision and comprehensive policy. This coverage will protect you if your vehicle is damaged in an accident, regardless of who is at fault.

Get The Right Coverage For Your Needs

Drivers in Indianapolis, IN need reliable liability protection with their car insurance policies, and Irvington Insurance is here to help! If you’re looking for comprehensive auto insurance coverage tailored to meet your specific needs, contact us today!

Did you know you are breaking the law if you drive without car insurance? Only two states in the country do not require it. If you live in or around the Indianapolis, IN area, Irvington Insurance can provide the coverage you need.

There are three reasons to have car insurance:

• To comply with the laws of your state
• To satisfy lender qualifications
• To protect your personal assets

All states require a driver to take financial responsibility for any damage they are responsible for in a traffic accident. Car insurance became a requirement in 1927, with Massachusetts becoming the first state to require it.

There are three types of coverage under a car insurance policy:

• Liability coverage helps pay for the other driver’s expenses in the event you cause an accident. It does not cover the policyholders’ expenses, however. There are two types of liability coverage: bodily injury and property damage.
• Collision coverage helps to pay for repairs or replacement of your car if damaged in an accident with another vehicle or object, such as a tree or fence. If you are financing or leasing your car, collision coverage is usually required by the lender.
• Comprehensive coverage helps pay for repairs or replacement of your vehicle if it is stolen or damaged in an accident that does not involve another vehicle.

If you are still financing your vehicle, full coverage will provide more protection and will likely be required by the lender. If your vehicle is more than ten years old, has high mileage, or you are financially able to replace it, you may consider a liability-only policy.

Get Auto Insurance Today

If you live in the Indianapolis, IN area, contact the insurance professionals at Irvington Insurance today. They will provide you with a quote or answer any questions you may have. You will be glad you did.

Did you know you are breaking the law if you drive without car insurance? Only two states in the country do not require it. If you live in or around the Indianapolis, IN area, Irvington Insurance can provide the coverage you need.

There are three reasons to have car insurance:

• To comply with the laws of your state
• To satisfy lender qualifications
• To protect your personal assets

All states require a driver to take financial responsibility for any damage they are responsible for in a traffic accident. Car insurance became a requirement in 1927, with Massachusetts becoming the first state to require it.

There are three types of coverage under a car insurance policy:

• Liability coverage helps pay for the other driver’s expenses in the event you cause an accident. It does not cover the policyholders’ expenses, however. There are two types of liability coverage: bodily injury and property damage.
• Collision coverage helps to pay for repairs or replacement of your car if damaged in an accident with another vehicle or object, such as a tree or fence. If you are financing or leasing your car, collision coverage is usually required by the lender.
• Comprehensive coverage helps pay for repairs or replacement of your vehicle if it is stolen or damaged in an accident that does not involve another vehicle.

If you are still financing your vehicle, full coverage will provide more protection and will likely be required by the lender. If your vehicle is more than ten years old, has high mileage, or you are financially able to replace it, you may consider a liability-only policy.

Get Auto Insurance Today

If you live in the Indianapolis, IN area, contact the insurance professionals at Irvington Insurance today. They will provide you with a quote or answer any questions you may have. You will be glad you did.

Anyone in the metropolitan in the Indianapolis, IN area can turn to the team at Irvington Insurance for all of their insurance needs. Having a local agent by your side can be a great resource if you are ever involved in a car accident. Having a car totaled is never any fun, but it can be a lot less stressful when you have the right agent by your side. Contact our office today to learn more. 

First steps to take after your car is totaled 

The first and most important step to take after you’ve been in a serious accident is to get to safety. Once you are safe, you can call for roadside assistance and medical help. Don’t try to move your vehicle or direct traffic, just get yourself to a safe spot. Ask for a copy of the police report for your records.

Next, you will want to call your insurance carrier. They can direct you to the next steps to take. Be sure to find out which service providers are covered by your policy. If you are injured and seek medical attention, you will want to give your auto insurance information rather than your health insurance policy number. 

When it comes time to file a claim, it’s a lot easier to work with your local agent than to try to tackle the paperwork on your own. 

You can rely on us!

Irvington Insurance is here to help the residents in the greater Indianapolis, IN area with all of their insurance needs. If you want to know what to do after your car is totaled, just give us a call. We are proud to serve our community and look forward to working with you too. Give us a call or stop by today!

Auto insurance is something that most states require you to have. If they don’t require insurance, they do require you to show financial responsibility. The mandate is for liability coverage. The amount varies from state to state. At Irvington Insurance in Indianapolis, IN it is our responsibility as independent insurance agents to make sure all of our customers have not only the mandated amount of auto insurance but the amount of auto insurance that is right for them.

You Need More Than The Basics

In Indiana, the basic amount of auto insurance that is required is 25/50/25. This is $25,000 for the first injury in an accident with $50,000 for total injuries and another $25,000 for property damage when you are responsible for an accident. 

If your vehicle is financed or leased, you will need to protect your vehicle as well as other drivers.  This means carrying two additional types of coverage, collision and comprehensive. 

Collision coverage protects your vehicle from collisions where you are responsible, whether with another vehicle or in a one-car collision with a stationary object. It also covers your vehicle if you are in an accident with an underinsured or uninsured driver or if you are the victim of a hit and run. 

Collision coverage protects your vehicle from a plethora of things you have no control over. You can’t control lightning from hitting a tree and sending a branch careening onto your vehicle. You can’t control floodwaters from damaging your vehicle. If your vehicle is stolen or vandalized, comprehensive coverage takes care of it. 

If you count on your vehicle to live your life, to go to work, run errands, etc, it is important to have your vehicle. Unless you have a lot of money, basic coverage just won’t cut it. 

Contact Irvington Insurance in Indianapolis, IN to discuss your auto insurance needs.

Irvington Insurance serves Indianapolis, IN and its surrounding area and has many insurance offerings that can help keep you and your family safe. From home insurance to auto, life, and commercial insurance, we have something for everyone.

In this post, we’ll be sharing the importance of auto insurance and how you can properly protect yourself and your family while on the roads in Indiana. 

The state of Indiana requires all drivers to carry liability insurance. Additionally, you must have uninsured and underinsured motorist coverage. The required amount of liability coverage is $25,000 per person, with $50,000 total per accident and $25,000 for property damage.

While this is a good start, it is the bare minimum protection you can have. If you have young drivers or a large family, you’ll want to ensure everyone on your policy is fully covered and protected. 

Driving in Indiana is the primary way residents here get around; from commuting to work, driving to school, running errands, and the like – having a vehicle is essential if you live in the Indianapolis, IN area. 

Because so many people drive in this area of the country, the risk involved in driving increases significantly. With more drivers on the road comes a higher risk of collision or accident. You may be a cautious and safe driver, but you can’t control who is on the road when you are and what they’re doing in the car. 

A full coverage auto insurance policy gives you peace of mind every time you get in the car. Knowing that if you do get into an accident, whether it’s your fault or not, your insurance plan will protect you financially is a huge relief. 

If you need auto insurance, contact Irvington Insurance today. We’re here to help!

If you own a car in Indianapolis, IN, you must be familiar with popular car insurance coverages. You probably have heard about the comprehensive, collision, PIP, and liability coverages, but do you know you can purchase add-ons to boost your auto insurance? Yes, “add-ons” or “riders” from Irvington Insurance can strengthen your auto insurance.

Here are common auto insurance add-ons you can add to your policy.

Zero depreciation coverage

With each passing year, the value of your car depreciates. Unfortunately, when your car is stolen or totaled, your insurance company compensates you for the value of your car, less the depreciation factor. The results? You may have to fork out the difference from your pocket.

The good news is that you can protect yourself against depreciation loss by purchasing zero depreciation coverage. With this policy, you will get compensated using the market value of your vehicle.

Consumables add-on

When your vehicle is undergoing repairs, consumables like fluids, bolts, crews, nuts, filters, and so on aren’t covered by your typical auto insurance. However, you can purchase consumables endorsement to cover consumables that are excluded in your standard policy. 

Roadside assistance

Have you ever been stranded on the roads your car broke down? It can be frustrating as you try to call your friends, relatives, and your mechanic. However, when you purchase roadside assistance coverage, your insurer organizes towing, puncture repair, gas delivery, and other services whenever your vehicle stalls far from home. 

Engine protection cover

Collision and comprehensive coverages cover your engine following an accident by a covered peril. However, when water and oil leakage cause damage to your engine, standard auto insurance coverage doesn’t protect your engine. For this reason, you need an engine protection add-on to avoid out-of-pocket engine repairs or replacement.

Would you like to get more insights about auto insurance add-ons? Please get in touch with Irvington Insurance of Indianapolis, IN, for more information. 

When you have been in a car accident in Indianapolis, it’s important that you take care of yourself and your passengers first. There is a claims process with your auto insurance that you will undergo. However, taking a few steps in the immediate aftermath of an auto accident will help you to navigate the claims process swiftly and easily.

At Irvington Insurance, we want to be sure that all drivers in Indianapolis IN are safe and protected when they are on the roads. Make sure you follow the right steps after a car accident in Indianapolis.

Check for Injuries

Personal injury is always the most important thing to look for after you have been in a car accident. Ask everyone if they are okay, and check for yourself if you can not get a response. 

If there are any injuries at all, you must call the police and ambulance services immediately. Do not move anyone that might be injured.

Move the Vehicle

It is the law to move your vehicle to safety as soon as you possibly can if you can. If you have already called the police, they will want you to move the car. If you are unable to move it, let them know when you call. That is so that they know what to expect and what kind of dispatch they need to send out so there are enough officers to help at the scene of the accident.

Exchange Information and Document

When you have a chance, begin to document the scene with photos and notes. Take as many pictures as you can of the accident, the vehicles, traffic conditions, and even weather conditions. Take pictures of passengers if they are injured.

Exchange insurance and personal information, including your driver’s license, with any other drivers.

After this, you will call your insurance company and begin the claims process. You will be instructed on what to do every step of the way from there.

Get a Quote

When you have been in a car accident in Indianapolis, IN, Irvington Insurance wants to be there for you. This is an overwhelming time, and we want to be sure that your every need is covered. Call us for a quote today.

According to Irvington Insurance, many individuals are driving without auto insurance in Indianapolis, IN. This means that such individuals do not have any coverage to cater for unseen eventualities while driving. In such situations, these drivers are likely to face the following consequences, especially when they are involved in an accident. 

Pay Heavy Fines

All states and districts around the country stipulate that every car on the road should have at least a basic auto insurance catering to associated liabilities. Failure to have such insurance policies will attract some heavy fines, which might prove very difficult to handle. Many people have been forced to pay heavy fines in Indianapolis, IN, after being caught by patrol police driving without insurance.

Pay Losses for Damages Caused

Besides paying the heavy fines to the state or federal government, a person driving without auto insurance will be required to pay for all the losses or damages caused during an accident. In most cases, liability insurance pays for third-party losses and other damages caused by unintentional accidents. However, individuals will be forced to dig deep into their pockets without liability insurance and pay for such expenses.

Cater for Own Damages

Besides paying for losses incurred by third parties in an accident, a person without auto insurance will have to pay for their own damages and sometimes medical expenses, especially when they experience body harm. However, with auto insurance, all the personal damages and medical expenses will always be covered by the insurance organization. A person will not incur out-of-pocket expenses.

Do You Need Auto Insurance?

If you live in Indianapolis, IN, you don’t have to face all these unnecessary fines and expenses. You can get auto insurance from Irvington Insurance to help you cover all the bills and help you save some money. Contact us today for more information about auto insurance.