Buying the cheapest car insurance in Indiana does not need to be an all day project. Although you need to make sure your insurance policy covers the minimum coverage levels required by state law, you have a lot of options when it comes to purchasing the cheapest car insurance in IN. Whether you battle traffic day in and day out in downtown Indianapolis or just drive to the grocery store with your minivan, the cheapest car insurance in Indiana helps to protect your vehicle and your driving privileges.

In Indiana, you must carry insurance with at least $25,000 and $50,000 coverage in bodily injury liability limits. The first amount refers to the limits for individual coverage, and the second amount refers to the total amount of liability coverage for the entire accident or incident. In addition, you must also maintain at least $10,000 coverage in property damage liability. Once you have the minimum amounts of coverage in mind, you can see what other options you have to get the cheapest car insurance in Indiana.

For example, if you do what you can to limit your fees and additional charges, you can get the cheapest car insurance in Indiana. One of the main reasons you may see fees attached to your policy is if you opt to pay your premium in installments over the course of several months. Most insurance companies add what is called an installment fee, which can change your premium from the cheapest car insurance in Indiana to one that is slightly more expensive.

Pay your premium in as few payments as possible to limit the amount of installment fees you need to pay. This lowers your overall premium amount, and allows you to have the cheapest car insurance in Indiana. Some insurance providers will even give you an additional discount if you pay your premium in one lump sum at the beginning of your insurance policy. Check with your provider to be sure this is the case, because this definitely gives you the opportunity at the cheapest car insurance in Indiana.

Another way to ensure that you get the cheapest car insurance in Indiana is to adjust your deductible. A really low deductible may sound like a great idea when you think about having to pay that amount after an accident, but the lower your deductible is the higher your premium goes. To truly get the cheapest car insurance in Indiana, you should raise your deductible to at least $500. If you can raise it even higher without causing yourself hardship if you have an accident, then that is another way to get the cheapest car insurance in IN.

Understanding your insurance policy helps you to find the best policy for both you and your pocketbook. Make sure that you check into all of the options available to you before you decide on a particular policy with a particular provider. In the end, many different variables go into purchasing the cheapest car insurance in Indiana and you want to make sure you select the correct options.