Paying too much for Car Insurance? We can help.
We have a number of top-rated companies for Auto Insurance, and we specialize in building a program that protects you, your family and your assets, while not making you overpay for insurance.
Whether you’re in Jeffersonville, Louisville, KY, or anywhere in Southern Indiana, our team is available to help with your car insurance. Fast, easy, efficient – we work for you.
When most people think about car insurance, they think about damage to their car. The truth is, car insurance covers much more than just your car.
It’s important to understand what your coverage options are — not just for your car, but for you and your family, and for people who may be injured as a result of your negligence.
The most important thing is having adequate car insurance limits.
If you were ever involved in an accident and found to be at-fault for someone else’s injuries or for property damage, you could literally lose everything if you’re not properly insured.
What a lot of people don’t realize is, having great coverage doesn’t necessarily mean having higher insurance premiums.
Because Innovators Insurance Group is 100% independent, we can take your current coverages and compare them with a wide range of insurance companies to see who offers you the best deal possible.
The best part? You don’t have to lift a finger. We’ll shop your car insurance to our companies, make them compete for YOU, and maximize as many discounts and savings as possible, all while not sacrificing on your coverage.
We’ll also take the time to provide you with recommendations and guidance. No two auto insurance quotes or policies are the same – we’ll make sure you’re not confused by what you’re paying for AND that you’re not overpaying.
How are we different than all those companies that advertise on TV and online?
All those big brand companies you see all the commercials for? They can only show you one option and one option only. That might be the best fit for you some of the time. But having choices and options for your car insurance – something that Innovators Insurance Group provides – is in your best interests all of the time.
Most importantly, as an independent agency, we aren’t beholden to any of our insurance company partners. We work for you.
Important Auto Insurance Coverages
When you browse through your quote policy, you may see certain coverages and wonder exactly what they are, and why they’re on your policy.
Let us clarify a few of the more important ones for you:
Collision Coverage
This is the part of your policy that covers your car in the event you damage the car itself somehow, as a result of an accident with a fixed or moving object like another car, a curb, a house, a guard rail, etc..
Comprehensive Coverage
This coverage also protects your car, but in the event that something else damages your car, that is not a fixed, or moving object. For example, theft, a rock that cracks your windshield while you’re driving on the highway, or an animal you might hit.
Property Damage
Suppose you damage someone’s car in an accident, or a guard rail, house, or some other property that belongs to someone else. This is the part of your policy that compensates the other person for that damage.
Bodily Injury Liability
This coverage protects your financial interest in the event you injure another party in an accident. This is the part of your policy that pays that other party for their medical bills and related expenses. Due to the high cost of medical care, it’s dangerous to carry liability limits that are too low. This is something we can help you decide on.
Uninsured & Underinsured Liability
This coverage pays you, in the event that you are injured by another party, and that other party was either unidentified, or they weren’t carrying a high enough limit of Bodily Injury Liability to cover your expenses. This is also a very important part of your auto policy because you have zero control over how much insurance other people are driving around with.
Common factors that determine how much your Car Insurance costs
Age — insurance companies use your age in their overall rating algorithms. Drivers who are under 25 and over 65 generally have higher rates because statistics show that those two age demographics have the most loss frequency and are therefore more at risk for financial loss due to an auto accident.
Credit — credit is a metric that has been used in insurance scoring for many years. The better your credit, the more favorable your rates will usually be.
Car — the type of car, engine size, safety features, etc.. are all part of determining the rate.
Driving History — your driving record and loss history plays a substantial role in the price. If you have a spotty driving history, or multiple moving violations or accidents, chances are your rates will be higher.
Household — insurance companies underwrite at the household level, meaning they try to judge based on the entire household, what the probability of loss will be. If there are multiple drivers in the house who are under the age of 25, that will impact everyone’s pricing in the household
Ready to pay less for your Car Insurance? Here’s our process.
If you are looking for a car insurance comparison, Innovators Insurance Group makes the process of finding the best company and price easy.
Step 1: We gather just a little bit of information from you.
Step 2: We shop your program and look for the best combination of coverage and cost.
Step 3: We present our recommendation to you.
It’s that easy. We do all the heavy lifting for you.
To get started, call our office directly, or complete the fields below to send us some basic information about your needs so we can get started on your policy review and comparison!