Auto Insurance Fishers IN

Get your auto insurance in Fishers IN with the agency that cares with affordable prices.

Getting protection for your vehicle has never been easier!

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Quality service

Are you looking for auto insurance in Fishers, IN? You’ve come to the right place! You might be practical when you choose cars — a versatile hatchback or minivan is just the thing.  Perhaps you prefer the rugged image of an SUV, or like to reward yourself with a convertible or luxury sedan. Maybe you’re a car collector and also have a classic muscle car or vintage sports car for weekend cruising. Whatever you drive, you know you need insurance for your car and the Hammel Family Insurance Agency has you covered! We have coverage options that enable you to get the auto insurance policy you want. We can help make sure that all of our customers’ assets are protected and will receive premium quality service from start to finish!

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Minimum Insurance Requirements

If you are driving a vehicle you must adhere to state laws regarding minimum auto insurance because it will protect you and other parties in case you are in an accident. Indiana’s car insurance laws require that drivers have 25/50/25 minimum liability insurance coverage for their cars. As per the law, your insurance policy must have a limit of $25,000 per person in bodily injury, $50,000 per accident and $25,000 in property damage. Liability insurance provides coverage for damage caused to others if you’re at fault in a covered loss; whether you injure them and/or damage their property. This insurance can include the services of an attorney to defend you if sued.

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Liabilities

Some policies separate liability coverage into two different parts; Bodily Injury Liability and Property Damage Liability. Bodily Injury pays for covered damage if you hurt someone and property damage pays for covered damage if you damage someone’s property. If you do not comply with the state’s minimum insurance requirements you may be charged with fines, penalties and your license may be suspended. Although having the state minimum coverage protects other people or property, a policy with extended coverage can likely cover everything and everyone involved in the accident, including you and your vehicle.

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Deductibles and Premiums

When you purchase an auto insurance policy you can usually choose one with a higher deductible to lower your premium. The premium is the amount you pay for the policy and the deductible is what you pay out of pocket before your policy kicks in, in the event of filing a claim. On the other hand, if you’re worried about a higher deductible being too much for you, you can select a lower deductible and pay a bit more for your premium. Check out IN.gov for more auto insurance information or contact us for a quote!