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.

Is Minimum Liability Coverage Enough for Your Auto Insurance?

When shopping for auto insurance in the Orleans, IN area from a reputable provider like Busick Insurance Agency, LLC, most will always start with the minimum coverage required by the state. While picking up the cheapest policy might allow you to register your vehicle, it won’t necessarily protect you from the high cost of living.

Not Every Accident is a Fender Bender

While your basic auto insurance policy provides some liability coverage that will pay for some repairs to another vehicle and the other driver’s medical bills, it does have a limit. However, if you are involved in a major accident that results in both cars being totaled and major injuries, your policy might max out and you can be left holding the bill.

Fancy Cars Require Expensive Repairs

Even if it is just a fender that needs to be fixed, if all your neighbors are driving luxury vehicles, it doesn’t take much to eat up that maximum limit on your basic policy.  If you extend your minimum and maximum coverage, there is a better chance that the vehicle you damage will get fixed with little effect on your savings account. That is what insurance policies are all about, after all.

Can You Afford to Pay the Difference?

Now, maybe you would be able to cover the cost of a repair that added up to a few thousand dollars. But what if the damage to the other car and their injuries totaled well over $80,000? Indiana law requires that your policy only pays for the first $50,000. Where is that other $30,000 going to come from? By talking to your Busick Insurance Agency, LLC representative in Orleans, IN, they can help you find the policy that will fit your situation and ensure that you can continue to enjoy your lifestyle without blowing the budget.

Contact our agents to learn more about an auto insurance policy and try our online rating tool for quotes.