FAQs

Yes, it is possible to obtain insurance without a driver's license. At Hartke Insurance, we collaborate with more than 25 insurance companies, many of which provide coverage for individuals who have never been licensed, have a suspended or expired license, or possess a foreign license. For more information about our auto and home insurance options in Evansville, IN, please contact us today.

No, visiting our office is not necessary to purchase a policy. We offer multiple convenient options, including email, phone, and even mail if required. Our adaptable approach has made us a highly recommended independent insurance agency in Evansville, IN for those seeking coverage.

Yes, insurance is required to register a vehicle. When you purchase insurance through Hartke Insurance, we provide immediate proof of coverage. Please contact us to begin the process of obtaining the auto insurance that Evansville, IN, residents rely on.

Yes, it is possible to insure a vehicle you do not own. Hartke Insurance represents over 25 companies that offer this type of coverage. As a trusted independent insurance agency in Evansville, IN, we are committed to accommodating your specific situation.

Yes, you can cancel your insurance at any time with a written request. Please note that cancellation is typically processed on a short-rate basis and may incur an early termination fee. For more details about canceling your home or auto insurance in Evansville, IN, please contact our agents.

Term life insurance provides coverage for a specific period, while whole life insurance lasts until age 100 or the policyholder's death, whichever comes first. Additionally, whole life insurance includes a cash value component. As a leading independent insurance agency in Evansville, IN, we offer both types of life insurance plans to meet your needs.

The consequences of missing a premium payment depend on your specific insurance company and their policy guidelines. In most cases, your policy may be canceled due to non-payment. If you have concerns about your home or auto insurance in Evansville, IN, we encourage you to contact us promptly to discuss your situation.

As an experienced independent insurance agency in Evansville, IN, we've observed several common reasons for claim denials. These include: unpaid premiums, insurance fraud, late incident reporting, excluded at-fault drivers, illegal activities, and inadequate coverage (such as using a personal vehicle for business purposes without appropriate insurance).

We provide numerous discounts to help you save on insurance, including homeowners, prior insurance, automatic payment, multi-vehicle, multi-policy, and good student discounts. According to Bankrate, the average Indiana driver pays $1,254 for car insurance. To explore potential savings on your home and auto insurance in Evansville, IN, please contact us for a personalized consultation.

A deductible is the amount you agree to pay out of pocket when filing a claim to repair your property. This applies to both home and auto insurance policies for Evansville, IN residents.