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Auto Insurance

Gardner Insurance covers


Benefits of Insuring with Gardner:

  • Receive personal attention from your neighborhood agents right here in Madison. (No worries about contacting us through a call center or speaking to a different agent each time you call.)
  • Discounts and savings available on our auto insurance policies.
  • Over 30 years family experience in the insurance industry working with reputable auto insurers.
  • 24×7 claim services. Personal help with your claims and in getting back on the road safely.
  • Control your own policy with updates and changes as needed.
  • Online/automatic bill payments available.

Online price quote


Types of Car Insurance Offered by Gardner Insurance

Compulsory (required by Indiana law) Coverage:

  • Bodily Injury to Others (liability insurance)
  • Personal Injury Protection (also liability insurance) – PIP covers a broader range of medical costs, lost wages and the replacement of services if someone is injured in an auto accident.
  • Bodily Injury Caused by Uninsured Auto
  • Damage to Someone Else’s Property

Optional Coverage Available:

  • Optional Bodily Injury to Others
  • Medical Payments (pays for medical expenses for you and your passengers as a result of a car accident)
  • Collision
  • Comprehensive – Losses to a car resulting from fire, theft, falling objects, riots, earthquakes, floods & collision with a bird or animal. This is normally required if a vehicle is leased or financed.
  • Substitute Transportation (i.e. car rentals)
  • Towing and Labor
  • Bodily Injury Caused by an Underinsured Auto

Online price quote


Gardner Also Will Insure:

– Motorcycles
– Boats/Recreational Vehicles
– Collector Cars

Please contact us for details and prices at (812) 265-6166or email
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Car Insurance FAQs:

Q. What should I consider when purchasing car insurance?

A. There are many things to consider when purchasing auto insurance, and your Gardner Insurance agent can help you sort through all of the options and details. It’s important to find a good price on car insurance, but don’t base your decision solely on a bargain. Sometimes you can be under insured and not discover this until after an accident occurs. Then you quickly learn that your insurance only covered a fraction of your expenses. If you have doubts about your current insurance, or wonder if you have the proper coverage, we will help find the coverage best suited for your needs.

Q. What is collision coverage?

A. When your insured vehicle overturns or collides with another object, collision coverage pays for the damage to your vehicle. Collision coverage also may extend to a non-owned vehicle or one rented for personal use that is in your custody or that you are operating.

Q. What is comprehensive coverage?

A. If your insured vehicle is damaged due to an event other than a collision, comprehensive coverage will pay for the damage. This includes damages from fire, theft, windstorm, flood and vandalism. If your vehicle is stolen, comprehensive covers transportation and loss of use expenses when applicable.

Q. What is bodily injury liability coverage?

A. If an insured person is legally liable for an accident, bodily injury coverage pays for injuries/death to people involved in the accident other than the insured driver. It also pays for legal defense costs if you are sued.

Please contact us so we can review your policy and make suggestions on how you can lower your auto insurance rates. (812) 265-6166 or email
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Auto Insurance Terminology:

Additional Interest Insured
A company or person who has been named as an additional interest insured on a policy can be liable for an accident that involves an insured person or vehicle. For example, a lien holder can be an additional interest insured.

Continuously Insured
Being continuously insured means your insurance coverage from an insurer or more than one insurer was in effect at all times without a break or lapse in coverage for any reason.

Declarations Page
Is also known as an auto insurance coverage summary. This page is provided by your insurance company and lists the following:
– Types of coverage you have elected
– Limit for each coverage
– Cost for each coverage
– Specified vehicles covered by the policy
– Types of coverage for each vehicle covered by the policy
– Other information applicable to the policy

A deductible is the amount you agree to pay out of pocket for damage resulting from a specific loss or accident. Generally, choosing a higher deductible will lower your premium.
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Driver Improvement Course
Drivers age 55 and older can take a voluntary driver improvement course to refresh and enhance their driving skills. Taking this course may qualify these drivers for a discount if they meet eligibility requirements.

An insurance coverage limit is selected by you and is the most an insurance company will pay for damages or injuries that apply to the coverage. Indiana law specifies the minimum limit that must be purchased for each required insurance coverage.

Loan/Lease Payoff Coverage
Loan/Lease Payoff coverage, sometimes called “gap” coverage, pays the difference between what you owe on your vehicle and what your insurance pays if your vehicle is declared a total loss or stolen and not recovered (less your comprehensive or collision deductible).

Named Insured
The first person in whose name the insurance policy is issued.

Medical Payments (MedPay) Coverage
MedPay is an optional insurance coverage that pays for reasonable and necessary medical and funeral expenses for covered persons. These expenses must be incurred as a result of an auto accident.
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Personal Injury Protection (PIP) Coverage
PIP is a coverage in which the auto insurance company pays, within the specified limits, the medical, hospital and funeral expenses of the insured person, people in the insured vehicle and pedestrians struck by the insured vehicle.

Policy Expiration Date
Your current insurance policy ends on your policy expiration date, which is found on your current policy documents, Declarations Page , insurance identification card or recent cancellation notice. This date should not be confused with payment due dates.

Policy Term
The length of time your policy is active and in force is your policy term.

A premium is the amount of money paid to an insurance company in return for insurance protection.

Principal Driver
The person who drives the car most often is the principal driver.

Property Damage Liability Coverage
If an insured person is legally liable for an accident, property damage coverage pays for damage to others’ properties resulting from the accident. It also pays for legal defense costs if you are sued.
– Rental Reimbursement Coverage< - Rental reimbursement provides rental car coverage if you have a claim that is covered under comprehensive or collision coverage. Daily rental amounts are subject to the limit purchased.   – Top of Page
Uninsured Motorist Coverage
If a driver or owner of a vehicle does not have insurance and is legally liable for an accident, you can use your uninsured motorist coverage for injuries, including death, that you, your resident relatives, and occupants of your insured vehicle sustain, up to the limits you select.

Underinsured Motorist Coverage
If a driver or owner of a vehicle is legally liable for an accident, but does not have enough insurance, you can use this coverage for injuries, including death, that you, your resident relatives, and occupants of your insured vehicle sustain, up to the limits you select.

Uninsured/Underinsured Motorist Property Damage Coverage
If a driver or owner of a vehicle is legally liable for an accident, but does not have insurance or does not have enough insurance, you can use this to cover damage to your insured vehicle, up to the limits you select.
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– Homeowners Insurance
– Life Insurance
– Umbrella Insurance