Bloomington Car Insurance

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Insurance That Fits Your Driving Needs

Bloomington, Indiana is a college town, and it caters to the younger crowd with hip restaurants, nightlife and shops. Its population is around 79,000, although this increases when school is in session. Many of the recent graduates from Indiana University remain and accept jobs in the city, and many things are geared towards single, educated people.

There is good public transportation in and around the city, and a good percentage of commuters take the bus or walk or bike to work. However, more than 70% of commuters drive their own cars or carpool with others, so having dependable Bloomington car insurance is important.

Unlike the northern areas of the state, Bloomington has a more temperate climate, which means it gets less snow than other cities, which decreases accident risk during the winter. It also has a relatively low traffic fatality rate, with around eight fatalities a year.

However, it is impossible to prevent all crashes, so carrying car insurance is important, even if you do not plan on driving a lot. To make sure individuals have adequate coverage, the state requires a minimum amount of insurance for each driver.

Bloomington Car Insurance Requirements and Coverage Options

Every driver must carry two types of insurance coverage: property damage and bodily injury to others. For each one, drivers must also have minimum covered limits. Drivers must carry a minimum amount of $25,000 for damage caused to another's property. For bodily injury or death, drivers must carry a minimum amount of $25,000 for injury to one individual and $50,000 for injury to two or more individuals.

Many drivers choose to add optional types of protection, as the minimum requirements are often insufficient to cover the total expenses related to a collision. Additional options include:

  • Comprehensive: This type of coverage pays for damages to your vehicle caused by things not related to a crash, such as fire, theft, glass breakage, animal collision and extreme weather.
  • Collision: This covers damage caused by a collision with another driver or object.
  • Medical payments: This pays for medical expenses related to your or any passenger's injuries due to a car-related incident.
  • Underinsured and uninsured: This covers damages caused by another driver with inadequate or without car insurance.

To help you find the right Bloomington car insurance for your needs, VIU by HUB presents you with multiple quotes from different insurance providers. You can compare them and make a more informed choice for what works best for your situation.

Factors That Affect Car Insurance Rates

The average annual rate for Bloomington car insurance is $1,300, but this varies drastically based on numerous factors. Adding on extra coverage types, such as collision and comprehensive insurance, increases your quoted rate, as does increasing the limits of your required coverage. Also, the lower your deductibles are, the higher your rate is. Additional factors that affect your rate include:

  • Your driving record
  • Make, model and year of the insured vehicle
  • Sex and age
  • Use of the vehicle
  • Claims history
  • Your address and where the car will be when not in use (such as in a garage, parking lot or on the street)

Once you receive initial quotes from VIU by HUB, you may want to find out from each insurance company if there are ways to reduce the rate. These may include insuring your home with the same company, insuring multiple drivers with one company, safety features in your vehicle or a good student discount.

When looking for Bloomington car insurance, take into consideration how much you will be using your vehicle, your budget and other factors.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


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