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4 Common Mistakes New Car Owners Make When Buying Insurance

When you buy a new car, one of the first things you need to do is purchase car insurance. This can be daunting, especially if you are new to it. There are many things to consider when buying car insurance, and sometimes, new car owners make mistakes that can be quite costly. Gill Insurance Agency in Plainfield, IN can help you navigate this important coverage.

Here are four common mistakes new car owners make when buying insurance and how to avoid them:

Lying on the Auto Insurance Application

This mistake is quite common, especially with new car owners. Many people think that by providing false information, they will be able to get lower rates. However, this is not the case. Insurance companies use sophisticated software to verify the information that applicants provide. If they find out that you have lied on your application, they will either cancel your policy or refuse to pay out claims.

Not Doing Your Research

Many people simply choose the first insurance company they come across without doing any research on them. This is a huge mistake as different companies offer different rates and coverage. It’s essential to compare different companies before settling on one.

Not Getting Enough Coverage

Another common mistake is not getting enough coverage. This can be a costly mistake, especially if you get into an accident and don’t have enough coverage to cover the damages. That’s because the insurance company will only pay up to the limits of your policy, and the rest of the money will come from your pocket.

Not Understanding Your Insurance Needs

Do you understand your insurance needs? If not, you’re not alone. A recent study showed that nearly half of new car owners don’t know what type of insurance they need. Do your research before buying a policy, so you don’t end up overpaying or underinsured.

Avoid the Above Mistakes and Purchase Your Car insurance Today!

Are you a new car owner? Ensure you avoid these common mistakes when buying insurance for your vehicle. If you need help, our team of experts at Gill Insurance Agency in Plainfield, IN is always here to help. Give us a call today or visit our website for more information.

What coverage comes with an auto insurance plan in Plainfield?

For most people in the Plainfield, IN area, owning a car is considered a necessity. When you are an owner of a vehicle, you will have a much easier time getting around town and going to work or school. Once you buy a car, it is crucial that you also get a quality insurance plan. Your auto insurance plan will offer various types of support that make coverage well worth the investment. 

Liability Support

One type of coverage that you will receive with your auto insurance plan is liability support. If you drive a car, you will run the risk that you can cause an accident. If this occurs, you will need to cover damages incurred by the other driver or other parties involved. Your auto insurance plan will offer you the support required to cover these damages if a situation like this arises. 

Protect Assets

You also will want to have auto insurance to protect your assets. If you purchase a car, you will be making a significant investment. A great way to protect this is with a comprehensive and collision insurance plan. This coverage will give you support if your car is stolen or damaged in an accident or you incur another type of covered loss. 

In the Plainfield, IN area, you will likely want to own a car. Due to the necessity and importance of a vehicle, you will also want to ensure that you get the right insurance for it. As you are looking for an insurance plan here, you can start your search by calling the Gill Insurance Agency. There are a lot of choices to make when looking for coverage, and Gill Insurance Agency can help you build an ideal plan. 

Auto insurance riders to consider

Drivers in Indiana are required to carry basic auto insurance. This is liability coverage and protects other people from you, the driver who causes an accident. At Gill Insurance Agency in Plainfield, IN, our team doesn’t believe in one size fits all. As independent insurance agents, we have more flexibility to customize the right insurance product for all of our customers. 

Beyond basic insurance, there is insurance to cover your vehicle which is collision and comprehensive. Besides that, there are some riders, also known as endorsements, that are options you can choose to add to your policy. 

Roadside assistance

When you are out on the road and have a breakdown or a flat tire, it is good to know you can just call and assistance will be on the way. This is basically the same coverage you would get from an auto club membership but for a lot less money. In the event that you have an accident, the insurance company will send roadside assistance to get your vehicle out of danger. 

Gap Coverage 

When you drive your new vehicle off the lot, it loses value in the insurance company’s eyes immediately. If you have an accident within a short time, you could be in the unenviable position of owing more money on your vehicle than the insurance company will pay you to replace it. Gap coverage will make sure you are not left in the lurch. 

Accident Forgiveness

Not every company offers accident forgiveness, but many do. This will guarantee that if you have an accident, it is not going to affect the premium that you pay for your insurance. But, not all coverage is the same. Be sure to take a good look at it to determine if it is worth the cost. 

Contact Gill Insurance Agency in Plainfield, IN with all your insurance questions and needs. 

What Does Auto Insurance Cover?

Choosing auto insurance can be very confusing yet vital. You need to ensure you are choosing adequate coverage that will protect you when something happens. As Gill Insurance Agency of Plainfield, IN explains, here is what auto insurance covers.

Bodily Injury Liability

This type of coverage offers you protection when you accidentally hurt someone in an accident. It helps cover their medical expenses, including things like doctor visits, prescriptions, and ambulance rides. In addition, if the injured party decides to sue you for damages, this coverage can help pay those legal fees.

Property Damage Liability

Property damage liability helps cover repairs to a third party’s property if you damage it in an accident. It can be a house, car, fence, mailbox, or store. However, note that repair to your vehicle is not covered in this scenario, and you will need a separate policy for that.

Collision Coverage

This type of coverage helps cover repairs to your vehicles due to a collision with another car or object. It also helps cover an accident involving your vehicle alone, such as a rollover accident. If your vehicle is too damaged to be repaired, this cover will help replace it.

Comprehensive Coverage

Comprehensive coverage helps pay to repair or replace your vehicle when exposed to various risks other than collisions. Such risks include fire, damage, vandalism, theft, and falling objects like trees or hail.

Insured/ Underinsured Insurance

You may find yourself in an accident where the negligent driver lacks sufficient insurance or is uninsured. In such cases, this coverage can help pay for medical expenses and repairs to your vehicle, preventing you from a financial loss.

If you own a car in Plainfield, IN, and you need to know of the available coverage at your disposal, feel free to contact Gill Insurance Agency. We have experienced agents ready to answer your questions and help you choose the right policy for your car.

Why Do You Need Car Insurance?

As a skilled and experienced driver who has not had an incident for more than ten years in Plainfield, IN, you might be wondering why you need car insurance. However, as Gill Insurance Agency will tell you, you never know when you will be involved in an accident, which means that you should always remain covered. Besides adhering to state insurance regulations, there are other instances where you will benefit from having car insurance. 

Peace of Mind

As an experienced driver, you might feel as though you are safe while driving on the roads. However, not everyone is experienced, which means that other drivers are likely to hit your car. In such instances, especially those involving underinsured drivers, you will be able to cater for your repairs and other necessary expenses that are likely to occur.

Supplement Your Health Insurance

What many people don’t know is that car insurance can help in supplementing health insurance policies. There are some accidents that your health insurance will not cover. For instance, dental injuries sustained during the accident might not be covered. Instead of paying from your cash savings, car insurance will come in handy and pay everything that your health policy has not paid. 

Save Time and Hassle

When an accident happens, you are likely to be involved in negotiations and many discussions with other drivers and property owners. You will be spending much of your time that you could be using productively. However, with car insurance, you will not be involved in time-wasting negotiations. Your insurance provider will take charge of everything, including the legal issues that will probably ensue.

Gill Insurance Agency has seen many auto owners take the simple route of avoiding car insurance in Plainfield, IN, after which they have painfully paid for. To avoid being in such situations, make an effort to have your car insurance ready at any given time. Reach out to us for more information.

Auto Insurance Requirements in Indiana

When people think of Indiana, they may think of the Indianapolis 500 race. Still, as a regular driver of a motor vehicle, you will want to follow the requirements and laws for auto insurance in Indiana.

Liability Insurance

The agents at the Gill Insurance Agency in Plainfield, IN understand the state requirements for auto insurance. Under Indiana law, all drivers must have at least bodily injury and property damage liability insurance. This type of policy will cover any injuries sustained by others involved in an accident that is determined to be your fault and will cover any property damaged in the accident.

Indiana law also requires each motorist to obtain an uninsured and underinsured insurance policy. This type of policy will cover medical payments for injuries sustained in a crash with someone who doesn’t have insurance or who has very little and will also cover property damage. In other words, if you or your passengers are injured due to an accident with someone with no insurance, your medical bills will be paid.

Comprehensive Insurance

Comprehensive insurance is important to have, not only for your peace of mind but for the bank or other lender that loaned you the money for your vehicle. This type of policy will cover your vehicle if it is damaged or destroyed by a natural disaster, fire, or vandalism. It will also cover your vehicle if it is stolen.

Collision Insurance

This part of your auto insurance policy will cover damages to your vehicle whether you collide with another car or if you collide with an object, such as a telephone pole.

To determine the best auto insurance coverage for you and your vehicle, call upon the agents at the Gill Insurance Agency in Plainfield, IN for an appointment or quote today!

3 Tips for Filing an Auto Insurance Claim in Plainfield

After you get into an accident, the sheer adrenaline can start to unnerve you. No matter how it happened or who was at fault, even minor collisions can rattle the status quo. This is why it can be somewhat confusing to file an auto insurance claim in Plainfield, IN. Gill Insurance Agency wants you to have more information before you even start the process. 

1. Start with the Information 

Eye-witness accounts, police reports, photos: there are plenty of things that you can use to strengthen your version of the events. Because two people may view the same situation very differently, the point is to provide as many indisputable facts as possible. It may take a little extra effort, but you’re much more likely to come out ahead in this case. 

2. Work with Your Insurer 

An insurance carrier should be able to adjust their numbers based on the reality of the situation. For example, if a claims specialist estimates the repairs without seeing the car first and underestimates just how much is needed to fix the vehicle. Keeping a cool head and explaining the situation can go a long way to avoiding miscommunication that could result in a refusal to cover the damages.

3. Ask Questions

As difficult as it can be to consider your rates going up or what will happen if you’re found at fault, doing so puts you in control of the situation so you can be proactive as opposed to reactive. There may be steps you can take to mitigate your circumstances once you understand them. 

If you want to learn more about auto insurance in Plainfield, IN, call Gill Insurance Agency to discuss how different kinds of policies will cover you under certain types of claims. 

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