Auto Insurance in Anderson, Muncie, and Indianapolis, IN
Get An Instant Dairyland Quote
Car accidents can be very stressful, but having auto insurance can help ease the burden. With the right policy, you can avoid significant out-of-pocket costs that could impact your finances.
How Does Auto Insurance Work? 
Auto insurance is a contract between you and an insurance company. In return for paying premiums, the insurer may cover damages from covered events up to your policy’s limit. Depending on your policy, a claim might include various aspects such as damage to your vehicle, injuries to others and damage to their property.
What Does My Policy Cover?
Basic car insurance policies typically include the following:
- Property damage liability may cover damage you cause to others’ property while driving.
- Bodily injury liability may cover costs related to injuries or deaths you cause while driving, including medical expenses and lost wages.
While these coverages might meet your state’s legal requirements, they may not offer enough financial protection for your needs. If you have a car loan or lease, you might need additional coverage as part of your agreement. Consider adding the following to your policy:
- Collision coverage may cover damage to your car if you hit another vehicle or object.
- Comprehensive coverage may pay for your vehicle’s repair or replacement costs following a noncollision event, such as theft or vandalism.
- Medical payments coverage may compensate for medical expenses resulting from accident-related injuries.
How Much Does Coverage Cost?
Several factors impact auto insurance rates. Most insurers consider the following factors to calculate your premium:
- Your age
- Driving record
- Vehicle make and model
- Credit history
- Claims history
- Coverage options
Get Auto Insurance Today
Contact McBee Insurance Agency today for a free car insurance quote.