Category: Auto Insurance

The speed limit signs posted by the side of the road aren’t just helpful suggestions. A speeding ticket can be more than a mild inconvenience. Speeding is dangerous to both yourself and other drivers and can affect your auto insurance premiums. This is one of many reasons why staying within the speed limit is just a good idea. 

It Pays to Have a Clean Record 

Speeding sounds like a harmless infraction, but it isn’t. If a car goes too fast, the driver will take longer to stop. This makes the vehicle more challenging to control, especially when trying to swerve around obstacles. The speed also adds extra force to the car, so a collision will hit harder and cause more damage. A driver who routinely speeds is dangerous, and insurance companies view them as risky. A single speeding ticket can cause your auto insurance costs to skyrocket. This moving violation could stay on your driving history for a good 36 months. That’s a long time to be paying higher insurance premiums. That’s why staying within the speed limit is a good idea. 

IAL Insurance Serving Indianapolis, IN

Just because you’re in Indianapolis doesn’t mean you should drive like you’re in the Indy 500! Drive safely. It’s good for you, for your passengers, for everyone else on the road, and it’s good for your insurance premiums. If you are in the market for auto insurance and are in the Indianapolis, IN, area, don’t hesitate to get in touch with IAL Insurance. Our knowledgeable and friendly agents will do all they can to help you find the insurance policy that best suits your needs. 

Living in Indianapolis, IN means most residents will need a car as an essential part of their daily lives.  Basic liability insurance is a legal requirement for all drivers on Indy roads heading off to work, school, running errands, and arriving safely home at the end of a long day. 

Drivers looking to extend their auto liability insurance coverage protect their rides with comprehensive auto insurance from IAL Insurance. 

Car accidents and collisions happen unexpectedly, and the financial fallout can be devastating. Comprehensive insurance extends protection beyond collision coverage. Full coverage auto insurance shields policyholders from extensive financial damages stemming from accident-associated medical costs, legal fees, and even automobile theft. 

What Comprehensive Auto Insurance Covers 

Comprehensive insurance is a financial tool that offers peace of mind and financial protection from a wide variety of unexpected incidents that can happen to drivers on Indy roads. 

If you’re thinking about starting a comprehensive auto insurance policy in Indianapolis, IN and you’re not sure what a typical policy covers, the following are a few examples. 

• Animal Collisions: Some insurance can cover incidents of colliding with animals. 
• Automobile Theft: Get reimbursement for the loss of a stolen vehicle.
• Collision-Related Damages: Shield yourself from the high costs of collision repairs. 
• Emergency Roadside Assistance: Roadside support for breakdowns and flat tires. 
• Fire Damages: Some policies can reimburse you for damage caused by fires. 
• Personal Property Coverages: Replacement or reimbursement for personal items. 
• Rental Car Services: Reimbursement for rental car fees when your car isn’t driveable. 
• Vandalism: Financial coverage for damage caused by intentional malicious acts. 
• Weather-Related Damages: Protect your vehicle from natural disasters and floods. 

Schedule A Consultation Today

Contact the licensed and knowledgeable insurance professionals at IAL Insurance in Indianapolis, IN to request a free consultation or quote! 

Taking a long-anticipated vacation means making reservations among them is probably a rental car. Most people book online these days, and when you start the process, you will be asked the location of the pickup and drop-off dates and the type of vehicle. Once you make these choices, the insurance questions will begin. At IAL Insurance in Indianapolis, IN, we are independent insurance agents who work to make sure that our customers have the right insurance to protect them. 

Does auto insurance cover a rental vehicle?

You may be confused about what insurance you need to purchase to protect yourself on your vacation. You may not need to purchase any, however, a lot depends on what coverage you have on your personal auto insurance. You will only have the level of courage that you have so if you have basic insurance, you do need to purchase insurance to cover the vehicle itself. 

If you have complete coverage on your vehicle including total glass coverage, you should be alright with using your own insurance. It is always a good idea to call your insurance agent to verify the level of coverage you have if you are unsure. If you are happy with the level of liability coverage that you have on your own policy, you don’t need to pay for excess liability insurance. 

Another kind of insurance that will be offered is for your personal property while it is in the vehicle. If you have a home, condo, or renters insurance, you don’t need this coverage either. It is included with your content coverage on those policies. If however, you are going to be renting a vehicle in another country, you need to buy all the insurance that is offered. 

We Are Here To Help

In Indianapolis, IN you can count on our team at IAL Insurance to provide the highest level of customer service. Call us today. 

No doubt driving for the first time is an exhilarating experience. Although it’s a memory you’ll never forget, there are also some responsibilities that need to get taken care of. One of those is making sure you have the right insurance policy. At IAL Insurance, we provide Indianapolis, IN drivers of all ages with a personalized plan that’s right for them. 

Know What Kind Of Vehicle You Drive

Your vehicle’s type, make, and model can all affect the cost of your insurance policy. You may qualify for discounts if you drive a newer car with additional safety features and modern technology. Our insurance experts can help provide a quote depending on your vehicle type. It’s also good to familiarize yourself with new technology in modern cars to understand how it can help make your driving experience safer.

Understand Your Coverage Options

Indiana law requires you to carry liability insurance, but that doesn’t mean that’s a full protection plan. New drivers are considered a higher risk, so it’s important to understand your coverage options. We provide policies that include bodily injury liability, property damage liability, and uninsured motorist coverage. Our agents can help explain the details of each one and how they can help protect you financially in case of an accident.

Let Us Help

Even if you have someone else helping you navigate the insurance buying process, an experienced agent can help ensure you have the right policy. At IAL Insurance, our agents understand the needs of new drivers and can help customize a plan that fits your needs. We strive to offer competitive rates while still providing top-notch coverage. Ultimately, having insurance should give you peace of mind while driving in Indianapolis, IN. Contact us today!