Category: Auto Insurance

Your vehicle is one of your most significant assets, making it crucial to protect it with the appropriate level of car insurance. When shopping for car insurance, your insurance agent will generally ask you whether you prefer full-coverage car insurance or liability-only car insurance. At the Completely Independent Insurance Agency serving Zionsville, IN, we assist our customers in choosing the insurance coverage that best suits their requirements.

Full Coverage Car Insurance

Full coverage car insurance combines a variety of insurance types to provide maximum coverage in case something happens to your vehicle. Full coverage car insurance typically includes:

• Liability insurance, which covers the repair costs for another vehicle if you’re at fault in an accident.
• Comprehensive insurance, which pays for the repair of your vehicle if it’s damaged in a non-accident related situation, such as a fire or theft.
• Collision insurance covers the repair costs for your vehicle if it collides with an object or another vehicle.

Full coverage car insurance often includes optional roadside assistance, which can cover costs like towing or a flat tire if your car breaks down. If you have an auto loan, full coverage is often mandatory.

Liability Only Car Insurance

Liability-only car insurance covers the repair costs for the other driver’s vehicle if you’re at fault in an accident. It’s the most basic type of automotive insurance and is mandated by law in most states.

Are you looking for car insurance for your vehicle? Are you trying to decide between full coverage and liability only? The Completely Independent Insurance Agency, serving Zionsville, IN, can help. Contact us today to speak with one of our knowledgeable agents and learn more about how our insurance products can meet your needs.

The Bureau of Transportation Statistics reports that the average long-distance summer trip in the United States is nearly 300 miles one way. Americans love traveling, and there is much to see and do. However, before hitting the road, you should take a moment to consider safety. The proper preparation and ensuring that your car is properly insured can go a long way. If you’re looking for an insurance company that serves Zionsville, IN, and other nearby communities, contact the Completely Independent Insurance Agency before you hit the road.

Preparing for Summer Road Trips

First, you should study your routes and be aware of common dangers. For example, if you’re traveling through a hot desert, you must be mindful of the heat and have bottled water. You’ll need a spare tire, regardless of where you’re driving. Packing road flares, canned tire inflators, and other basic safety gear is also beneficial.

Of course, you also need the appropriate auto insurance policy. Suppose there are specific dangers, such as traveling to areas where car break-ins or inclement weather are common. In that case, ensuring you’re adequately covered with the correct auto insurance policies is wise. You may also want to consider a roadside assistance policy. These policies may cover certain costs, like changing a tire or unlocking your car if the keys are locked inside. You can purchase separate programs; some insurance policies will allow you to add coverage.

The right auto insurance policies and preparation can significantly reduce risks during your summer road trip. So before you hit the road, speak with an insurance agent. If you need an insurance agency that serves Zionsville, IN, contact the Completely Independent Insurance Agency before you hit the road.

Insurance Essentials When Test-Driving Vehicles in Zionsville, IN

Buying a new or pre-owned vehicle in Zionsville, IN, can be exciting, but it’s also a process that requires due diligence—beginning with test-driving potential choices. A crucial part of this process is ensuring that the vehicle in question is adequately insured.

Who Needs to Insure It?

The current owner should provide the insurance coverage for a car being test-driven—that could be either a dealership or an individual. That’s why most sellers won’t ask for proof of insurance before a test drive. Insurance isn’t a worry for test drives at an established dealership. However, when dealing with an individual car owner, always check if the vehicle is insured to prevent risks.

What if You Purchase the Car?

Even if you already have auto insurance, contacting your insurance agency before finalizing the car purchase is advisable. Your current insurer might not cover certain cars, so it is better to be aware of this before the purchase than afterward. If you replace your vehicle with a new one and already have car insurance, your policy might cover the new car automatically for a limited period. However, inform your insurer about the car purchase without delay. The grace period for coverage varies between insurers, generally ranging from one to four weeks.

Completely Independent Insurance Agency is dedicated to helping motorists find suitable auto coverage by comparing policies from various insurers. Our helpful and friendly staff in Zionsville, IN, can answer all your queries. You can also count on us for insurance for motorcycles and RVs. Get started today by calling Completely Independent Insurance Agency at 800-632-3102.

For complete auto insurance coverage in Zionsville, IN, you should purchase a policy with comprehensive coverage. At Completely Independent Insurance Agency, we can answer all of your questions about comprehensive coverage and other types of auto insurance coverage.

Here are four reasons to include comprehensive coverage on your auto insurance policy:

Comprehensive coverage includes flood damage.

Comprehensive coverage is especially important if you live in an area that is prone to flooding. A flood can completely destroy a vehicle. With comprehensive coverage, you’ll be reimbursed for auto damage that results from floods. 

Comprehensive coverage will pay for repairs after vandalism.

Collision coverage alone doesn’t usually cover damage costs after incidents of vandalism. With comprehensive coverage, you’ll be covered for both vandalism and theft. This makes comprehensive coverage especially important for those who periodically need to drive in high-crime areas.  

Comprehensive coverage covers damage resulting from a collision with an animal.

Getting in a collision with a large animal such as a deer can do a lot of damage to your vehicle. If you have comprehensive coverage, you can get damage caused by animal collisions covered by your auto insurance policy. 

Comprehensive coverage gives you more peace of mind as a motorist.

There are plenty of expenses that you could end up facing as a motorist, but including comprehensive coverage on your policy can protect you from most of them. This means that you’ll enjoy the most peace of mind as a vehicle owner if you have comprehensive coverage. 

Reach Out To Us

You can get a quote on an auto insurance policy with comprehensive coverage by getting in touch with Completely Independent Insurance Agency. Let us provide you with the auto insurance coverage you need in Zionsville, IN. 

Indiana is among the states supporting diminished value. This means that if you’re in an accident, the repair of your vehicle means retaining its resale value. Most cars in accidents don’t. 

Completely Independent Insurance Agency will help you file a diminished value claim against the at-fault party.

You’ll have to meet some requirements first such as:

*Repair documentation and pictures

*If you were at fault, you’re not eligible for diminished value

*The statute of limitations in Zionsville, IN is two years

Here’s what else you should know:

Isn’t Diminished Value The Same As Depreciation?

No. Diminished value is the difference between a vehicle’s value after repair from an accident and a vehicle’s value after normal wear and tear over time. When selling a diminished-value vehicle, it’s like he’s selling an ordinary car.

Diminished Value Claims

The statute of limitations for diminished value claims is two years. Uninsured and underinsured motorist coverage is available for diminished value, but not in the case of hit-and-run. There is law backing all this up, so if the at-fault party takes you to court, your Zionsville, IN attorney could win the case.

How It Works

It’s best if you hire a professional to prepare the pictures and documentation, such as a diminished value appraisal, for the insurance companies. Make sure this expert is of good reputation with plenty of experience and good reviews.

The claim with its corroborating evidence will be submitted to the at-fault driver’s insurance company. When you hire the diminished value expert (and having an attorney handy is a good idea), they’ll negotiate with the insurance company for an acceptable settlement.

Completely Independent Insurance Agency understands Indiana auto insurance. We’re standing by to help when you call or come by the office to learn more about it.

Driving is a necessity for most people. Public transportation is not an option in many small cities and towns. At  Completely Independent Insurance Agency in Zionsville, IN, we know how important driving is to our customers, and we make sure that they know the necessary documents they need to carry with them in their vehicles at all times. 

Documents you should always keep in your vehicle

Your auto insurance card

In the state of Indiana, you are required to carry auto insurance. The requirements are 25/50/25. This is $25,000 for injuries sustained by the first person in an auto accident where you are named as the responsible party. The total for all inured persons is $50,000. $25,000 is required for damage to property. Drivers are also required to have $50,000 in uninsured and underinsured drivers unless they opt out of this coverage in writing. Your auto insurance card is proof that you need to carry that you have auto insurance coverage. 

Your vehicle registration 

Vehicles in Indiana need to be registered with the state. The registration document identifies your vehicle by the VIN number so that you can prove that you are the owner of the vehicle you are in possession of.  You must always have an active registration to be on the road in your vehicle. If you are pulled over by law enforcement, you will be asked to show your registration, so make sure you keep it in your glove box. In some counties, you will need to get an emissions test. Be sure to check if it applies to you. 

Your driver’s license

Most people keep their driver’s license in their wallet as a form of ID. Make sure to carry your wallet with you anytime you are driving your vehicle. 

Keep Your Insurance Policy Updated

Contact Completely Independent Insurance Agency in Zionsville, IN for all your auto insurance needs.