Auto Insurance


Auto Insurance

Get the car insurance coverage you need at a price you can afford. Serving Indianapolis and all of Indiana.

A suitable auto insurance policy is essential for swiftly getting you back on the road in case your vehicle suffers damage or loss due to an accident, fire, theft, or other incidents covered by your policy. Additionally, it offers crucial coverage for medical and legal expenses that may arise from injuries, loss of life, or property damage resulting from a vehicular accident. At Paul Branham Agency, as an independent local insurance agency, we specialize in finding you the perfect policy for your automobile. We achieve this by comparing quotes and coverage options from multiple leading insurers. Our services extend beyond cars, encompassing coverage for motorcycles, classic cars, motor homes, boats, Jet Skis, and ATVs as well.

Request a free online quote or call us at 1-812-327-0690 to get started

How much auto insurance do i need?

Located in the heart of Indianapolis, our team at Paul Branham Agency has a deep understanding of the specific auto insurance needs of our local customers. Navigating the varied auto insurance requirements in Indiana, and across different states, can be complex, but we’re here to simplify it for you.

In Indiana, as in most states, there are specific requirements for auto insurance. These typically include:

  • Liability Coverage: This is essential to cover losses you may cause to others in the event of an accident.
  • No-Fault Coverage: This type of coverage is designed to cover medical and related expenses for you and your passengers, regardless of who is at fault in an accident.
  • Combined Liability and No-Fault Coverage: Some drivers opt for both for comprehensive protection.

It’s important to note that even in states where auto insurance isn’t mandated, drivers are legally required to be financially responsible for any losses they cause. Carrying auto insurance is the most straightforward and often the most affordable way to meet this requirement.

As a leading provider of auto insurance in Indiana, the Paul Branham Agency is committed to helping you find the right coverage that aligns with state requirements and your personal needs. Whether you’re in Indianapolis or anywhere in Indiana, we’re here to ensure you’re fully protected on the road.

Financing a Car?

When financing a car, it’s typically required to have insurance that covers damage to your vehicle. This is crucial not just for legal compliance but also for protecting your investment. The types of coverage you’ll need include:

Collision Insurance:

This insurance is essential for covering damage to your vehicle in the event of an accident. Standard collision insurance pays for repairs up to your car’s fair market value. Remember, this type of coverage comes with a deductible – the amount you pay out-of-pocket before your insurance policy takes over. Opting for a higher deductible can lower the cost of your collision insurance premium.

Comprehensive Insurance (Other Than Collision)

Comprehensive coverage is critical for protecting your vehicle against non-collision incidents. This includes scenarios like theft, vandalism, natural disasters (such as floods or hurricanes), and even windshield damage or fire. Similar to collision insurance, comprehensive coverage pays up to the fair market value of your vehicle, minus your deductible. While not legally mandated, comprehensive insurance is often required by lenders when you finance a car to ensure the vehicle is fully protected under various circumstances.

Both collision and comprehensive insurance are integral components of a full coverage policy, especially when financing a vehicle. At Paul Branham Agency, we specialize in helping you understand and choose the right coverage for your financed car, ensuring that you are compliant with legal requirements and financial lender policies.