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Many people think that buying auto insurance is as simple as buying "full coverage" or "liability only" protection.  These misunderstood generic terms can cost you thousands of dollars!  Not all plans are the same.  Most states require a minimum amount of coverage to keep yourself "road legal" but the limits they require are usually not adequate when it comes to covering a moderate to severe incident.  For example: The state of Indiana currently requires a minimum amount of liability coverage greater than or equal to
"$25000/$50000/$10000".  This means that you need at least $25,000 in coverage for any one person you've injured in an accident, a minimum of $50,000 in total injury coverage per accident, and a minimum of $10,000 in property damage coverage...  But what happens when you hit and total someone's brand new $80,000 sports car? Well if you only have Indiana state minimum limits it means you'll owe the $70,000 that your policy didn't cover.  Who has $70,000 just laying around?  With this considered, spending a few extra dollars a month on your auto coverage can save you thousands of dollars.  Auto insurance policies are not all the same!  A Hoosier Insurance Group agent can guide you to the right plan for you.
Posted 3:37 PM

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