Personal Auto Insurance

Auto Insurance for Terre Haute and Wabash Valley Drivers

Crapo Insurance Agency is a local independent insurance agency serving Terre Haute and the Wabash Valley. Rather than limiting you to a single insurance company, we can compare available options from multiple carriers and help you understand the coverage you are considering before you purchase a policy.

Whether you have a clean driving record or have experienced tickets, accidents, or other driving issues, our goal is to help you identify coverage options appropriate for your situation.

Understanding Personal Auto Coverage

An auto insurance policy can contain several different types of protection. The coverage that is appropriate for one driver may not be the same as the coverage needed by another.

Bodily Injury Liability

Helps pay amounts you may legally owe when you are responsible for an accident that injures another person, subject to the limits and terms of your policy.

Property Damage Liability

Helps pay for damage you cause to another person's vehicle or other property in an accident for which you are responsible.

Collision Coverage

Helps pay for damage to your own covered vehicle caused by a collision or rollover, generally subject to the deductible selected for the policy.

Comprehensive Coverage

Provides protection for certain types of vehicle damage that are not caused by a collision, such as theft, fire, windstorm, or glass damage, subject to the policy terms and applicable deductible.

Uninsured and Underinsured Motorist Coverage

Can provide protection when you are injured or suffer a covered loss involving a driver who has no insurance or does not have enough insurance to cover the loss. Indiana requires uninsured and underinsured motorist coverage to be included in newly written auto liability policies unless it is rejected in writing.

Additional Coverage Options

Depending upon the insurer and policy, other options may include medical payments, towing, rental-car reimbursement, and other protections. We can explain the available choices and help you determine which options make sense for your situation.

Indiana Auto Insurance Requirements

Indiana drivers are required to maintain financial responsibility when operating a motor vehicle. The current state minimum liability requirements are commonly described as 25/50/25:

• $25,000 for bodily injury or death of one person
• $50,000 for bodily injury or death of two or more people in one accident
• $25,000 for property damage in one accident

These are the state's minimum requirements, not necessarily the amount of protection that is appropriate for every driver. The value of your vehicle, the assets you want to protect, the drivers in your household, and how your vehicles are used can all be part of determining appropriate policy limits.

Coverage for Different Driving Histories

Not every driver has the same insurance history. Crapo Insurance works with customers who have clean driving records as well as drivers who have experienced tickets, accidents, or DUI-related issues.

Because we are an independent agency, we can review available options rather than assuming that one insurance company or one type of policy will fit every customer.

Coverage availability, eligibility, and premiums depend on the individual applicant and the insurance company, but our role is to help you understand the available choices and find an appropriate solution.

More Than Just the Lowest Price

Price matters, but an auto insurance policy should also provide coverage you understand and protection that fits your circumstances.

When comparing policies, it is important to consider more than the premium. Liability limits, deductibles, vehicle coverage, uninsured/underinsured motorist protection, optional coverages, and exclusions can all affect how a policy responds when you need it.

Our goal is to explain those differences clearly so you know what you are purchasing.

Flexible Payment Options

Crapo Insurance currently offers several payment arrangements depending on the policy and insurance company, including:

• Monthly
• Quarterly
• Semi-annual
• Annual

Payment methods may include debit card, credit card, electronic check, or check by phone, depending upon the carrier and policy.

When Should You Review Your Auto Insurance?

It can be useful to review your coverage when your circumstances change—for example, when you purchase or replace a vehicle, add another driver, change how a vehicle is used, or simply have not reviewed your policy in some time.

A coverage review gives you an opportunity to confirm that your limits, deductibles, vehicle coverage, and optional protections still reflect your current needs.

Talk With a Local Independent Agent

If you need personal auto insurance in Terre Haute or the surrounding Wabash Valley, Crapo Insurance Agency can help you compare available options and understand the protection you are purchasing.