Car Insurance

Protect your Vehicle

Car accidents are stressful enough which is why you shouldn’t have to worry about insurance. Torian Insurance is an independent insurance agency with a variety of car insurance policies to fit your individual needs and budget.

Let's Talk!

Call (812) 424-5503 or fill out the form below to get started.

Car insurance helps protect you financially in the unfortunate event of a car accident.

If You Own A Vehicle, Car Insurance Is A Non-Negotiable

Pretty much every state has a minimum amount of car insurance that is legally required. Car insurance protects you financially in case you are ever involved in an accident. In exchange for paying a premium, auto insurance will cover expenses related to property damage, liability, and medical expenses following a car accident.

Car insurance policies are customizable and you only pay for the amount of coverage you need. Working with an independent insurance agency can help you determine the right amount of coverage.

While no one likes to think about the possibility of being in an accident, it’s important to be prepared in case it does happen. 

Protect Your Vehicle With The Best Auto Insurance

Contact A Trusted Insurance Agency

Insurance can be complicated, but that's why we are here to help. With 100 years of experience in the insurance industry we can answer all of your questions.

Find The Right Coverage For You

Based on your specific needs, the car you own, and your risk factors, Torian will help customize your car insurance policy and get you the best coverage.

Bundle, Save, And Rest Easy

Talk to Torian about bundling car and home insurance to save on your policy. When you are protected by Torian, you can rest easy at night.

We pride ourselves in offering the best car insurance coverage and services throughout Southern Indiana.

You can rest easy with Torian. As independent Insurance agents, we work for YOU, not the insurance companies! Our expert staff has your best interest at heart which means providing the best coverage.

Variety Of Insurance Policies

We offer a variety of policies to find the perfect one for YOU!

Peace Of Mind

You'll have peace of mind knowing that your family is protected in case of an emergency.

Trusted Partner

If something happens, our team will be there with you every step of the way.

Bundled Discounts

Bundle discounts save you time and money on all of your insurance needs.

Car Insurance Insurance FAQs

Car insurance is an important form of financial protection for vehicle owners. It helps to protect car owners from costly repairs and medical bills in the event of an accident or other disaster. Car insurance provides coverage for physical damage caused by a car accident, as well as legal liability if someone gets injured or killed due to an accident you caused.

Auto insurance is critically important because:

1.) It’s required by law

2.) It protects you financially if you are in an accident

3.) Provides peace of mind knowing you are covered.

4.) Owning and driving a vehicle puts you at additional risks

Some scenarios that car insurance is needed are:

  • You cause an accident and are held liable for the other party’s damages
  • You accidentally damage your own car
  • An uninsured driver hits you

Car insurance can help cover the costs of medical bills, vehicle repairs and even some legal expenses if you are ever involved in an accident.

For example:

  • If you are found liable for an accident, your car insurance will pay to repair the other person’s vehicle and any injuries they sustain.
  • If you accidentally damage your own vehicle, car insurance will pay for your vehicle to be fixed.
  • If you are injured by an uninsured driver, your car insurance can help pay for those medical expenses.

The most commonly required car insurance coverages are:

  • Bodily injury liability
  • Property damage liability

Other common types of auto insurance coverage include:

Liability insurance covers injuries and damages to others caused by an accident you are liable for.

Full coverage typically includes collision and comprehensive car insurance. Full coverage not only pays for damages and injuries of others but also will pay for your own damages in an accident and even damage from non collision events like hail.

Before you get a quote on car insurance, it is important to have the following information ready:

  • Birth date
  • Sex
  • Home address
  • Year, make, model, body style, and vin number of your vehicle
  • Marital status
  • Phone number & email address
  • Driver’s license number
  • Estimated miles you drive in a given period of time

To accurately compare car insurance quotes you should make sure the coverage, limits and deductibles are the same.

Working with an independent insurance agency gives you quick access to numerous car insurance providers and quotes. Insurance agencies will help you compare quotes and choose the right policy that fits your needs.

Car insurance costs are dependent on several factors such as:

  • The type of vehicle you drive
  • Your driving record
  • Safety features in your car
  • Where you live
  • Estimated costs of car repairs
  • How frequently you drive

Make sure you ask about car insurance discounts. There are often discounts for the following:

  • Multiple vehicles on a policy
  • Good grades/ good student 
  • Low mileage
  • Home and auto bundles
  • Claim-free history
  • Vehicle safety

We just love working with Torian! Everyone is so wonderful and helpful. We have had excellent guidance, explanations, and recommendations for all of our insurance needs. We completely trust Torian and never have to worry about a thing. Thank you!

I am confident Torian is looking out for my best interest. I don’t worry about when or if something will happen because I know I have the best coverage I can get and at the best cost. Thank you Torian for the great service you offer.

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