How to Choose Auto Insurance and Get a Quote
- Nate Jones, CPCU, ARM, CLCS, AU
- 4 days ago
- 2 min read
Updated: 3 days ago
One of the first things you’ll need is auto insurance that meets state requirements and fits your budget. At Wexford Insurance, we help new residents compare carriers, understand coverage, and request an auto insurance quote quickly. This guide walks you through the essentials so you can get insured with confidence.
Understand Indiana’s Auto Insurance Requirements
Indiana law requires minimum liability limits: $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage. These limits protect other drivers if you’re at fault, but they may not be enough for major crashes or multiple injuries. Many new residents choose higher limits (e.g., 100/300/100) for added financial protection and peace of mind.
Learn about Insurance requirements
Choose Coverage That Fits Your Needs
Beyond the legal minimums, consider optional protections that address common risks:
Pays to repair or replace your vehicle after a crash, regardless of fault.
Comprehensive
Covers non‑collision losses such as theft, vandalism, fire, hail, or falling objects.
Uninsured/Underinsured Motorist (UM/UIM)
Helps with injuries and damages if the other driver has little or no insurance.
Medical Payments (MedPay)
Pays for medical care for you and passengers, often regardless of fault.
Rental Reimbursement & Roadside Assistance
Keeps you mobile after a claim and helps with breakdowns.
Tip: If your vehicle is financed or leased, your lender may require collision and comprehensive.
Why Local Auto Insurance Matters
A local agency like Wexford Insurance understands Franklin’s roads, commute patterns (I‑65, US‑31), and weather risks such as hail and storms. That local insight helps tailor coverage limits and deductibles to your actual exposure. We also shop multiple carriers, so you get competitive pricing without sacrificing protection or service.
Tips for Getting a Quote Fast
Speed up your quote by preparing:
Driver info (license numbers, dates, and prior insurance).
Vehicle details (VIN, year, make/model, mileage, and use).
Preferred coverage limits and deductibles (so quotes are comparable).
Discount opportunities (bundle home/renters, safe‑driver programs, multi‑car, good‑student).
You can often finalise a policy the same day if you have documents ready and know your coverage preferences.
Franklin Specific Considerations
Commuting: Longer drives increase risk, consider higher liability limits.
Weather: Hail and storm damage make comprehensive coverage especially valuable.
Teen Drivers: Ask about driver training and good‑student discounts to manage costs.
Ready for Your Personalised Auto Insurance Quote?
Wexford Insurance makes it simple for new Franklin residents to choose coverage and save. We compare multiple carriers, explain requirements, and tailor options to your budget.
