Advantages that Come with Working With a Local Agent for Your Auto Insurance Needs

Busick Insurance Agency LLC is here to help drivers in Orleans, IN with all their auto insurance needs. When it’s time to renew or upgrade your policy, you can count on us to help provide the information you need to choose a policy that’s right for you. Working with a local insurance agent has many advantages, and today, we’ll review just a few of them to illustrate how your local agent can help you.

Your Local Agent Is Here to Help

Finding the right auto insurance policy can be confusing as your needs change. Rather than turning to the internet, it’s much more effective to sit down with your local agent. There are many different types of auto insurance, and it can be challenging to determine which one is right for your needs. Fortunately, your local agent can review the possibilities with you so that you can make an informed decision. No one wants to find out they don’t have the protection they thought they did when they were involved in an accident. Take the time to find out now which type of policy is right for your specific needs. Working with your agent will eliminate the guesswork of finding an auto policy that provides the necessary protection.

Call or stop by Busick Insurance Agency today!

Residents of Orleans, IN can rely on the team at the Busick Insurance Agency LLC for all of their insurance needs. From auto policies to life insurance and everything in between, we’re the agency to call. Contact us today to schedule an appointment to learn more about the different insurance policies available in our area.

We look forward to seeing you soon!

Auto Insurance Coverage Options

 The Busick Insurance Agency LLC agents serving the Orleans, IN area can explain the different coverage options available for auto insurance.

Auto Insurance Coverage Options

Different auto insurance coverage options allow drivers to have the flexibility to create an auto insurance policy that will meet their specific needs and protect themselves against unforeseen situations.

Liability Insurance

This is the most basic and essential coverage required in most states, including Indiana. It offers a minimum amount of insurance to help pay medical bills for injuries someone sustains in an accident you have caused. It also enables you to pay for their vehicle or other property.

Collision Coverage

This coverage pays for repairs to your vehicle in the event of a collision, regardless of who is at fault. It is beneficial if you have a new or valuable vehicle that would be costly to repair or replace.

Comprehensive Coverage

This type of coverage will protect your vehicle against damage or the total loss of your vehicle if it is caused by incidents other than collisions, including theft, vandalism, fire, or natural disasters. It provides the added peace of mind and financial protection you deserve.

Lenders usually require both collision and comprehensive insurance until your auto loan is paid off.

Uninsured and Underinsured Motorist Coverage

This type of coverage is designed to protect you if you are involved in an accident with a driver without insurance or sufficient coverage. It helps cover medical expenses and property damage when the person at fault cannot.

Contact Busick Insurance Agency LLC

To start your auto insurance policy with the types of coverage options you need, contact the experienced agents at the Busick Insurance Agency LLC serving the Orleans, IN area today!

How to Prepare Your Car for Winter Weather

Winter weather can be tough on your car. From freezing temperatures to dangerous road conditions, taking care of your vehicle is essential. Luckily, there are some easy steps you can take from Busick Insurance Agency LLC to prepare your car for winter weather in Orleans, IN.

Pack a winter weather emergency kit for your car

In a winter weather emergency, it is crucial to have a winter weather emergency kit in your car. This kit should include items such as a shovel, ice scraper, bag of sand or salt, jumper cables, flashlight, and extra batteries. Having a blanket, extra clothes, and non-perishable food items in your kit is also a good idea.

How to prepare your car for ice and snow

In the winter months, it’s essential to have tires with good tread to grip the road. You may even want to consider getting winter tires. Second, make sure your windshield wipers are in good shape. You don’t want to be caught in a snowstorm with wipers that don’t work. Third, keep your gas tank at least half full. This will help keep your engine from freezing.

How to prepare your car for freezing temperatures

When preparing your car for freezing temperatures, you’ll want to do a few things to ensure it can handle the cold weather. First, check your oil level; if it’s low, top it off. You’ll also want to check your coolant level and add more if it’s low. In addition, it’s a good idea to get your battery tested to ensure it’s strong enough to start your car in cold weather.

As the weather gets colder and winter approaches, it’s essential to make sure you’re prepared. At Busick Insurance Agency LLC in Orleans, IN, we can help you ensure you have the right auto insurance to protect you in case of any accidents or weather-related issues. Give us a call today to learn more!

Protect Your Vehicle with Auto Insurance in Indiana

To protect your vehicle, you need auto insurance. You’re required by law to have it in most states, which saves you financially if you’re in an accident. In Orleans, IN, coverage for your car, truck, or SUV is easy to find and relatively affordable.

Why Insure Your Vehicle in Indiana?

If you live in Indiana, auto insurance is required by law. The state requires all drivers to carry liability insurance, which pays for damages if you’re at fault in an accident. It’s a good idea to have more than the minimum coverage, though, because it will pay for your repairs if you’re in an accident that wasn’t your fault.

Insurance companies offer different levels of coverage, so you can choose the amount of protection that’s right for you. The more coverage you have, the higher your premium will be. But it’s worth it to have peace of mind knowing that you and your vehicle are protected.

Your Busick Insurance Agency LLC representative can help you determine the right coverage for your needs.

What Does Auto Insurance Cover in Indiana

Auto insurance in Orleans, IN covers a variety of things. The most important coverage is liability, which pays for damages if you’re at fault in an accident. It also covers your repairs if you’re in an accident that wasn’t your fault.

Other types of coverage include collision, which pays for damages to your vehicle; comprehensive, which covers damages from weather or theft; and medical payments, which pay for your medical bills if you’re in an accident.

Additions to your policy, such as roadside assistance or rental car reimbursement, can give you greater peace of mind.

Your Busick Insurance Agency LLC representative is available to answer any questions about auto insurance coverage.

Indiana Auto Insurance Terms Explained

When you are purchasing auto insurance in Indiana, the terms can be mind-boggling. It’s impossible to make a sound purchase when you are confused by all the terms that are being thrown your way.

At Busick Insurance Agency LLC, we want Orleans, IN residents to feel secure in their auto insurance choices. We can help you to design the auto insurance policy that you need.

Liability Insurance

For every state there are minimum requirements for your auto insurance liability coverages. Those liability purchases are to cover the losses of other drivers in the event that you have been in a collision.

That liability coverage includes bodily injury liability and property damages coverage. 

Collision Insurance

Collision insurance on the other hand will cover damages to your vehicle in the event of a collision. This could include damages to your vehicle in a car that you have rented.

Comprehensive Insurance

Comprehensive insurance is insurance coverage that will cover you financially in the event that you experience losses that are not related to collisions. This includes bodily injury to other parties as a result of a collision, vandalism, theft, or any other loss that is not a result of a collision.

In addition to these damages, you may also use comprehensive insurance for:

• Windshield damage
• Falling objects
• Fire, riot, or explosion
• Weather-related damage
• Accidents with animals

Uninsured and Underinsured Motorist Coverage

Uninsured and underinsured motorist coverage is another kind of coverage that is required in Indiana. When you are in an accident where there are underinsured or uninsured motorists, this additional coverage will cover your costs and claims. 

Get a Quote

When you are looking for auto insurance, there are a number of terms that could confuse you. That will make it easy to get the wrong auto insurance. At Busick Insurance Agency LLC, we want Orleans, IN residents to have the right Indiana auto insurance policy. It’s easier than you think. Call us for a quote today.

3 Risks of Driving Without Auto Insurance

Auto insurance in Indiana is mandatory. Every car plying on Indiana roads must carry a valid car insurance policy. Regrettably, you will still encounter some motorists in Indiana on the road without car insurance. But is the risk worth it? 

If you have been driving your car without insurance or thinking of doing so, think about the consequences. Busick Insurance Agency LLC of Orleans, IN has prepared for you the risks of driving your vehicle without auto insurance. 

You risk fines and penalties 

Like most states, all drivers in Indiana must provide proof of financial responsibility, which is car insurance while on the road. Failure to do that you risk fines and penalties penned in the law. Some of them include suspension of your driver’s license as well as registration suspension for one year and penalty fees ranging between $250 and $1,000. But why go through all this yet Busick Insurance Agency LLC can give you affordable coverage.

You risk losses of uncovered asset

With so many uncertainties on the road, you can’t afford to drive without car insurance. Why? If your car got into an accident, and you are at fault, you will have to bear the cost of the unplanned repairs that could cost thousands of dollars. Worse still, if your car is totaled, you may have to buy a replacement from your pocket.  

You risk uncovered liability costs

When you are at fault for an accident, you are responsible for third–party expenses. Think of bodily injuries, property damages, and worse legal expenses if the aggrieved party sues you. These expenses could leave you in debt or wipe out all your savings if you don’t have car insurance.

Car insurance in Orleans, IN

Driving without car insurance? The risk is not worth it. If you are in Orleans, IN, and its surroundings, please get in touch with Busick Insurance Agency LLC for affordable coverage.

Healing from an Automobile Accident: A Guide to Automobile Insurance and Safe Driving Laws in Indiana

Busick Insurance Agency LLC is a full-service insurance company that proudly serves the great city of Orleans, IN, and who can assist you with automobile insurance needs. Should you find yourself involved in an automobile accident in Indiana, you will likely strive to heal from the accident both physically as well as financially. These tips can help Indiana drivers understand the traffic laws in Indiana to aid in the recovery from an accident and to prevent being held liable in any future accidents.

Indiana is a fault state with regards to settling an automobile accident case. That means that the driver who is found to be over 50% at fault in the accident will be the party that is held liable for damages. However, being informed about the safe driving guidelines in Indiana and adhering to them can decrease the likelihood of being at fault in an accident.

It goes without saying that you shouldn’t drive while intoxicated. In Indiana, this is referred to as an Operating While Intoxicated (OWI) charge, and it applies when a driver has a blood-alcohol level of at least 0.08 or is driving under the influence of a controlled substance. This can result in a fine, a criminal charge, and being found at fault should an accident occur. If you have been drinking, you can avoid this by calling a cab or an Uber to take you home.

It’s also important to not text and drive. Indiana has a Distracted Driving law that prohibits typing text messages, transmitting messages, and reading emails while driving. Doing so can result in fines up to a maximum of $500 as well as being found at fault in an accident.

If you live in Indiana, and have further questions concerning automobile insurance, or are seeking coverage, contact Busick Insurance today.

Is Comprehensive Insurance Required For Financing?

When it comes to financing a vehicle, there are specific requirements that need to be met to get the funding necessary for a purchase. One of those requirements is full coverage auto insurance. Most require a certain amount of full coverage rather than allowing the buyer to select a coverage amount, and this also includes carrying comprehensive insurance.

What is Comprehensive Insurance?

Comprehensive insurance protects the vehicle against a variety of risks, whether it is parked or cruising down the highway. This type of insurance covers animal damage, hail, theft, and many other scenarios. This type of coverage is available in a variety of amounts. It usually has a deductible that the owner of the vehicle must meet before the insurance coverage pays the claim. Those who are considering financing a vehicle should consult a licensed insurance agent to obtain the correct insurance amount so they can complete the sale of the vehicle. 

Working With an Auto Insurance Agent

Before buying a vehicle, consult with an auto insurance agent to get a quote and compare it with other providers. Don’t be afraid to ask questions and find out what the fine print for each policy entails. Not all auto insurance policies are the same, so make sure the one selected provides adequate coverage with an acceptable deductible to avoid complications if there is a covered incident. Those who live near Paoli or Orleans, IN can count on Busick Insurance Agency LLC to provide the quality insurance products necessary to get peace of mind

Don’t guess when it comes to auto insurance policies. Get assistance from a knowledgeable insurance agency with licensed agents who can guide customers through the policy buying process and assist with claims. Call or stop by Busick Insurance Agency LLC, proudly serving Paoli and Orleans, IN. 

4 Tips for Preparing Your Vehicle for Harsh Indiana Winters

If you live in the Paoli or Orleans, IN area, you’re surely in for a brutal winter. There are some things you can do to prepare, such as switching some things out on your vehicle and getting maintenance on it. Also, you can talk to experts at Busick Insurance Agency LLC about auto insurance options that are ideal for this harsh time of year.

Check the Oil

Make sure you’re using the right type of oil for cold weather. This is because the cold will affect oil viscosity. Then, your vehicle may not function properly.

Check on Belts and More

Take a look over the belts, hoses, and battery in your car. Low temperatures can affect all of them. You might need to replace your old battery, especially if it’s more than three years old. You should also make sure that you have working windshield wipers and that you have enough windshield wiper fluid to avoid visibility issues.

Headlights and Brake Lights Are a Must

Speaking of visibility, it’s crucial that other drives can see your automobile. Since the winter is full of gray days and heavy snow, you should have brake lights and headlights that are in top condition. Check them often to be sure that there is no snow on them.

Tires Are Important Too

Check the tire pressure on your car’s tires often as well as that they have enough tread. If you’re hesitant to do this yourself, bring your vehicle to an auto shop. You should have chains in your vehicle at all times.

Even when you do all this and other protective measures for your vehicle, accidents and other issues can happen. If you’re in Paoli or Orleans, IN and want to learn about your auto insurance options, contact Busick Insurance Agency LLC right away.

3 Things to Know About Your Auto Insurance

When it comes to getting the right auto insurance for your needs, there are several things you’ll want to focus on. But the main issue is ensuring that you work with an Orleans, IN area insurance agency that you feel good about. You can get that feeling with the Busick Insurance Agency LLC where you’ll have the opportunity to talk with a knowledgeable agent about the vehicles you have and how you want to protect them. Not everyone who drives needs the same kind of insurance protection, so working with an agent can help you decide what’s right for you. Here are three things you should know.

  1. There are a lot of different coverage levels, and the one that’s right for you may not be exactly what you’d expect. Talking with an agent can help you get the proper coverage level for your cars and drivers.
  2. Your insurance needs can change over time, so it’s a good idea to make sure you’re updating your policy when you get a new vehicle or make other changes to your household.
  3. As cars age, they might not need as much coverage as they once did. Making sure you’re covering them in a way that adds value to your life is important.

Reach out to us today at the Busick Insurance Agency LLC, and let us help you cover your Orleans, IN area vehicles the right way. Have the peace of mind that comes with good insurance, and an agent you can talk to if you have questions or concerns. It’s also good to go over your policy periodically and make sure your needs haven’t changed. Our agents will be happy to help you do that to keep you and your vehicles protected. Contact us to get started.