Muncie Car Insurance

Muncie, Indiana is about an hour’s drive northeast of Indianapolis and the home of Ball State University. Licensed drivers of Muncie benefit from having some of lowest car insurance rates in the nation.

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Muncie Indiana Car Insurance

Drivers in Muncie Indiana must carry a minimum of bodily injury liability coverage of $25,000.00 per person, $50,000.00 per accident and at least $10,000.00 of property damage protection.

Indiana law requires immediate driver’s license suspension for those who do not carry at least minimum liability. Minimum liability policies in Indiana must include uninsured and underinsured motorist liability amounts that are equal to the amounts of coverage in the liability section.

Licensed drivers may legally refuse uninsured motorist coverage by submitting a written statement of refusal to the insurance provider.

Indiana insurance providers must file a Certificate of Compliance with the Bureau of Motor Vehicles if the following occurs:

• An accident report involving the insured is filed.
• The insured party receives a traffic ticket within 12 months of receiving two or more tickets.
• The insured commits a serious traffic violation.
• The insured commits any traffic violation following a license suspension for not providing proof of insurance.
• The Certificate of Compliance is proof of meeting the financial responsibility of car insurance requirements.

A Driver found to be operating a vehicle without proof of the mandatory minimum car insurance will lose driving privileges for 90 days.

The second suspension for failing to show proof of insurance will be for one year if it occurs within three years of the first failure to show proof of insurance.

Additionally, any Indiana driver who has been convicted of operating their vehicle without car insurance will be entered into the Previously Uninsured Motorist Registry (PUMR) for 5 years. Drivers listed in the PUMR can be randomly selected to provide proof of insurance at any time.

Car Insurance consumers in Muncie Indiana have many options.

Licensed drivers are well advised to shop insurance rates at renewal time because changes in driver circumstances affect insurance premiums in meaningful ways.

Real Drivers of Muncie

Evan, 22, a recent graduate of BSU, is unable to find a job using his degree. His student loan debt and lack of reliable income keep him driving his 1999 Ford Escort station wagon from his college days. Since he has no assets worth protecting, he carries only the legal minimum for car insurance.

In Muncie, the minimum legal car insurance provides the following:

• $25,000.00 per person and $50,000.00 per accident of bodily injury coverage.
• $10,000.00 property damage.
• $25,000.00 per person and $50,000.00 for uninsured and under insured motorist protection.

Minimum liability coverage in Indiana includes a $1,000.00 deductible payment for damages paid in the event of an uninsured motorist loss.

Evan can get the legal minimum liability coverage in uninsured and under insured motorist coverage for the monthly installment amounts listed below:

1. Erie Insurance – $52.00
2. State Farm – $52.00
3. American Family Insurance – $58.00
4. Progressive Insurance – $65.00
5. Indiana Farmers – $80.00
6. Farm Bureau – $80.00
7. Farmers Insurance – $104.00

When Evan turns 25, if he is still driving the Escort, his monthly insurance payments could be reduced to the following amounts:

1. Erie Insurance – $33.00
2. State Farm – $35.00
3. American Family Insurance – $36.00
4. Indiana Farmers – $42.00
5. Progressive – $47.00
6. Farm Bureau – $50.00
7. Allstate – $59.00
8. Farmers – $75.00 dollars

Ashley, age 27, is expecting her first child with her husband Jeff who is 30. Ashley drives a 2004 Subaru Legacy station wagon and Jeff’s personal use vehicle is a 2005 Toyota Celica.

Ashley and Jeff have basic coverage with State Farm at $129.00 per month.

They could save a little by switching to Erie who charges $104.00 per month for the same policy. The Farm Bureau Insurance Company would charge them $198.00 per month and they would pay $171.00 dollars per month for the same coverage with Progressive Insurance.

In April, Jeff let his unlicensed younger brother drive his car; unfortunately, his brother was cited by the traffic officer. Allowing an unlicensed person to drive a car is illegal and caused Jeff and Ashley’s monthly installment to increase.

Basic Car Insurance Coverage

Basic car insurance includes the following amounts:

• $50,000.00 per person and $100,000.00 per accident for bodily injury.
• $25,000.00 for property damage.
• $50,000.00 per person and $100,000.00 per accident for uninsured and underinsured motorist protection.
• $25,000.00 for uninsured and underinsured motorist property damage coverage
• $50.00 towing allowance

Basic coverage also includes a $500.00 deductible

Extended Level Insurance Coverage

Loretta, 45, is employed by Indiana University Health Ball Memorial Hospital and is married to Bob, 47, a college instructor at Ivy Tech.

Bob and Loretta have two children who are licensed to drive, Michelle 20 years and Michael 17. Michael is a high school senior and Michelle lives at home while attending BSU. Loretta and Bob’s biggest asset is their home. This family owns four cars.

A 2010 Toyota Avalon, 2012 Ford Pickup truck, 2000 Honda Civic and a 1999 Buick Century sedan. This household of drivers is covered with an extended level policy which provides the following protections and benefits:

• $100,000.00 per person and $300,000.00 per accident for bodily injury.
• $50,000.00 for property damage.
• $100,000.00 per person and $300,000.00 per accident for uninsured motorist and underinsured bodily injury.
• $50,000.00 for uninsured and underinsured motorist property damage.
• $75.00 towing allowance
• $600.00 rental car allowance.

Extended level insurance requires a deductible payment of $500.00 dollars

Clearly, car insurance for this family is a big expense. This family of four drivers with four could pay a wide range of monthly installments for the same coverage.

1. Erie Insurance – $342.00
2. State Farm – $401.00
3. Allstate – $483.00
4. American Family Insurance – $501.00
5. Indiana Farmers – $589.00
6. Farm Bureau – $810.00
7. Farmers - $940.00

Lance, age 48, is single and drives a 2009 Corvette. In December 2013, Lance was cited for impaired driving, in May of 2014, he received another traffic citation for following too closely.

Because Lance owns several investment properties and drives a flashy car, he is concerned about being sued so he chooses a premium level coverage which has higher bodily injury and property damage protection maximums.

Premium Level Coverage

Premium coverage includes:

• $250,000.00 per person and $500,000.00 per accident for bodily injury.
• $100,000.00 for property damage
• $250,000.00 per person and $500,000 per accident for uninsured motorist and underinsured motorist protection.
• $100,000.00 protection for uninsured and underinsured motorist property damage.
• $75.00 towing allowance
• $900.00 rental car allowance
• Full glass coverage

Premium level coverage has a $250.00 deductible payment requirement.

Based on Lances driving history, premium level car insurance for his 2008 Corvette would have the following monthly payments to these insurance companies:

1. Erie Insurance – $59.00
2. State Farm – $79.00
3. Allstate – $118.00
4. Progressive – $156.00
5. Farmers – $187.00

Not only is it important to shop for insurance prices in Muncie Indiana, but it is also helpful to evaluate reviews from other consumers.

Not all insurance companies offer all levels of coverage to all drivers and many insurance consumers are willing to pay more for what they believe is a better insurance experience.

Enter your zip code below to find the best car insurance rates from companies in Muncie now!