Indiana Auto Insurance

Step 1: Select a safe vehicle to drive to work and for the ones who depend on you.

Step 2: Buy sufficient coverage to protect your vehicle and those in it.

Seems simple enough, right? Think again.

For most of us, these two steps seem simple at first. You chose a safe vehicle, but it wasn’t until you tried to find “sufficient coverage” that you began to realize that Step 2 was a little more complicated than you thought. Thinking of how and when we use our vehicles is the first process. We commute to work. Some of us shuttle kids to school, practices and drive our families to church. We take road trips with our families hundreds of miles from Hamilton County to Florida for Spring Break, or on other family vacations. When it comes to choosing an auto insurance policy, sufficient coverage isn’t always the same for every driver, or every family.

In addition, we also need to be sure we have the right amount of coverage to protect you from the many risks that await you. Even more importantly, it’s your job to ensure that the people who depend on you are protected from those risks.  

We pride ourselves on being YOUR local insurance agent. We drive the same roads to work. Take our families to the same churches. Pass each other on the same Spring Break trips. Therefore, we can help you better understand what sufficient coverage means for you.

We make buying insurance easy

But don’t just take our word for it. After working with one of our clients, she stated that we “had the heart of a teacher when it came to insurance.” By working with the Dean Ballenger Agency, you have access to your own personal insurance teacher. As a result, we’ll help you choose an auto insurance policy that provides sufficient coverage for you and the people you care about most.

In addition to being your local insurance agent and your personal insurance teacher, the Dean Ballenger Agency provides you with access to different highly-rated insurance carriers—that we handpicked. As a result, we have more flexibility to help you find a policy that works best for you and your family. Using captive agents like American Family, Allstate, Farmers or any of the 800-number companies doesn’t provide you with that kind of flexibility. In a world where sufficient coverage is different for everyone, doesn’t flexibility seem like something you would want?

We don’t see our job as selling you auto insurance. We see our job as helping you understand what you’re buying and how it protects you and your family—helping you determine what sufficient coverage means for you. That’s our stewardship philosophy. Whether you’re a large commercial insurance account or have a single auto insurance policy, you’re important to us.

Call us today at 317-867-5433 so that we can answer any auto insurance policy questions you have. Or come visit us in Westfield at the Corner of State Road 32 and Gray Rd—just minutes from Noblesville and Carmel—to discuss what sufficient coverage means for you.

You’re not an interruption; you’re the reason we’re here.

Indiana Auto Insurance Fun Facts

What is the minimum of amount of auto insurance required by Indiana?

Indiana requires all drivers to hold at least the following amounts of liability insurance coverage:

(1) Bodily injury (per person): $25,000.

(2) Bodily injury (per accident – multiple people injured): $50,000.

(3) Property damage (per accident): $25,000.

What is Bodily Injury Liability?

Bodily Injury Liability covers injuries you might cause to others while you or someone else is operating an automobile you own. We recommend minimum Bodily Injury (per person) of $100,000 and Bodily injury (per accident – multiple people injured) of $300,000.

What is Property Damage Liability?

Property Damage Liability  pays for damages caused to someone else’s property by you or someone else while operating your automobile. We recommend a minimum of $100,000.

Is there other coverage I should know about?

Medical or Personal Injury Protection is not required in Indiana, but we recommend a minimum of $10,000 per person. This protection covers expenses for treating the driver and passengers in your car if an accident occurs to trigger Indiana’s 3-year rule. Indiana’s 3-year time frame allows you a 3-year period for treatment vs the standard 1 year.

If I’m leasing my vehicle, are there additional insurance requirements?

Yes. Collision and Comprehensive Insurance are not required by the state of Indiana but are required by your lender if you are making payments on your vehicle. There are a wide range of deductibles to choose from to depending on your risk tolerance levels. Collision insurance covers the damage to your vehicle against a loss during a collision with another vehicle or object. Comprehensive insurance protects your car from damage and loss resulting from incidents other than collision.

Can I protect myself from drivers without insurance or without sufficient coverage?

Yes you can! Adding Uninsured Motorist Coverage to your policy protects you from the driver with no coverage. It covers medical treatment for you or the passengers in your vehicle if there’s a collision with a driver who doesn’t have insurance, as well as coverage for your vehicle’s damage. Adding Underinsured Motorist Coverage to your policy protects you from the driver with low levels of coverage. It pays for injuries or vehicle damage caused by a driver who doesn’t have enough insurance.

Check out our great rates for Noblesville Auto Insurance, Westfield Auto Insurance, Carmel Auto Insurance, Fishers Auto Insurance, Sheridan Auto Insurance.

If you are interested in learning about the safest cars on the road, please visit the IIHS website.