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Posted: Wednesday, December 6, 2017 3:11 PM

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Save on South Bend car insurance. Get instant quotes, compare top insurers. Special rates online for Indiana drivers only.
How happy were you the last time you compared rates for cheap auto insurance in South Bend, Indiana? Want to save a bunch of money on your car insurance? Start comparing rates from top providers online. Compare for the lowest possible quotes. You are under no obligation of any kind and can purchase your coverage online in minutes directly from the insurance provider.

Cheap Indiana Car Insurance in South Bend!
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At Cheap-AutoInsurance.Com we've helped thousands save money on auto insurance since 2001. If you buy car insurance coverage to meet the Indiana financial responsibility law, you must buy at least the minimum amount. The current minimum liability limits are $25,000 for each injured person, up to a total of $50,000 per accident, and $10,000 for property damage per accident. This basic Indiana auto insurance coverage is often called 25/50/10 coverage. Depending on the types of coverage you purchase, automobile insurance pays for vehicle replacement or repair, court costs, medical expenses, towing, rental cars, and other expenses. Insurance companies in Indiana recommend that motorists carry more than the required minimum amount of liability coverage. Opting for a policy that only includes Indiana state requirements may help drivers get the best premiums. However, Indiana uses the tort system to determine who will pay for expenses that arise as the result of an accident. The driver who is found to be at fault is responsible for paying all of the costs incurred. The state minimum required amount of liability coverage does provide some protection for motorists, but people who cause an accident in South Bend will have to pay out of their own pockets for damage that goes over their policy's limits. A simple liability insurance policy only covers others if you are found to be at fault for an auto accident, we recommend additional collision coverage to protect your vehicle, yourself and your passenger(s). This is part of what is often referred to as full coverage insurance. You can also purchase comprehensive coverage and protect your vehicle in the event of fire, theft, vandalism or natural disaster. The South Bend-Mishawaka, IN-MI Metropolitan Statistical Area had 907 auto thefts reported in 2016 ranking it 98th nationwide in thefts per capita according to nicb.com

Young drivers are forced to comply with Indiana financial responsibility laws. In most cases parents can add their minor children to their auto policy to satisfy the state's financial responsibility requirements. Although adding a young driver to an adult's policy may be expensive, it's almost always cheaper than buying a separate car policy for the minor child. Some insurance providers offer a discounted rate for teenagers who have completed a Department of Public Safety approved drivers education course. Auto insurance carriers evaluate different elements when determining insurance quotes, including driving violations, accident claims, occupation, driving distance to work, and multiple cars and drivers. Also keep in mind that, premiums differ from company to company.
Ask if these Auto Insurance Discounts are available:

* Low annual mileage - For driving less than a certain number of miles per year.

* Defensive driver training - For drivers over a certain age who pass an approved defensive driving course.

* Security devices - Discount for devices that deter vandalism & theft.

* Multiple vehicles - When your company insures two or more vehicles in your household.

* Good driver - For drivers who maintain a good driving record.

* Good student - Offered to young drivers who have a "B" average or better.

* Auto/home multi-line - Discount given if your auto and homeowners policies are with the same company.

* Mature driver discount - Offered to drivers over a certain age, usually around 50.


To save the most on your auto insurance costs it is recommended that you:

(1) Maintain a good credit history.
(2) Remove risky drivers from the policy.
(3) Don't buy a vehicle that is frequently stolen.
(4) Increase the policy deductible amounts.
(5) Drop unneeded coverage on older vehicles.
(6) Take a safe-driver education course.
(7) Pay quarterly, semi-annually, or annually. Don't pay monthly.
(8) Buy a car with safety features, (alarm system, On-Star, steering wheel lock, etc.)



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For more information on South Bend,
go to Official Site for city of South Bend, Indiana.

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For more information on car insurance requirements,
visit the Indiana Department of Insurance.

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• Location: Indiana - IN, South Bend

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