Category: Auto Insurance

So, it’s finally time for your teen to start driving. It is a relief that you won’t have to drive them around everywhere they want to go any longer, but at the same time, it is stressful because you know you have to add them to your auto insurance policy—not to mention the fact that they’ll be out on their own for you to worry about constantly.

While our team at Blevins Insurance Agency can’t help you with the worry, we are dedicated to helping families in Lafayette, IN navigate difficult auto insurance issues like adding a teenager to an existing insurance policy. Here are a few things you should know before your teen gets behind the wheel.

Make Sure to Choose the Right Vehicle

The vehicle that you choose for your teenager will have a significant impact on the premiums that you pay. While your teen may want a sports car, it is going to cost a lot more to insure than a four-door sedan. This is because a sedan is seen as safer in the eyes of the insurance company. Appearance is not everything, despite what your teen may believe.

Get Your Teen Insured ASAP

It is important that you add your teen to your auto insurance policy as soon as possible. Failing to do so could result in even higher premiums, especially if your teen gets into an accident before they’re properly insured. While your teen could get their own policy, it is generally more affordable and easier to simply add your teen to your existing policy.

Look into Discounts

Since insuring a teen driver can be costly at times, you will want to check into any discounts that your insurance company may offer. You may be able to get a discount based on your teenager’s grades. You may be able to get a discount for having your teen sign up and take a defensive driving course. In the end, your teen may start studying more and driving better while also helping you get better rates!

When you need to ensure that you and your teen driver have the proper auto insurance, contact us at Blevins Insurance Agency. We have been keeping Lafayette, IN families properly insured since 1998.

Auto insurance comes in handy to protect you and your car when the unthinkable happens. So, purchasing auto insurance should be a no-brainer as its benefits outweigh the risk of not having one. Whether you are in a brand-new car or an old one, an accident can happen at any time, and if you are liable, you are deemed to pay for all the expenses. For this reason, most states require that you carry a minimum car insurance coverage.

In Indiana, for example, all car owners are required by law to have an auto insurance policy. Blevins Insurance Agency of Lafayette, IN has prepared what you need to know about Indiana auto insurance.

State-required auto insurance in Indiana

The following coverages should be part of your Indiana auto insurance policy. They include:

• Bodily injury liability: Pays cost-related injuries to another person if you are at fault for an accident.
• Property damage liability: Pays damages that you cause to another person’s property.
• Uninsured motorist bodily injury: If you are hit by an uninsured, this policy can pay for medical bills.
• Uninsured property damage: If an uninsured motorist hits your car or property, the coverage can pay for the costs involved.

While adhering to the state minimums is superb, you need to consider other auto insurance options for better protection. Optional car insurance coverages include:

• Comprehensive coverage: It covers your car from non-collision perils like theft, vandalism, and hail.
• Collision coverage: If your vehicle hits an object or collides with another car, this policy pays for damages or replacement of the car.
• Medical coverage: The coverage pays for medical costs of injuries sustained during an accident for you or your passengers.
• Roadside assistance: Provides services like towing, gas delivery, puncture repair, and other roadside repairs when your car stalls away from home.

Ready for your auto insurance? Get in touch with Blevins Insurance Agency for an affordable quote. Better yet, you can visit our Lafayette, IN offices to speak to one of our agents. 

The auto insurance policy you choose can greatly impact your finances when you need to file a claim. We can help you learn more about finding the right auto coverage in Lafayette, IN at Blevins Insurance Agency.

The following are three resources to help you find the right auto insurance policy.

Internet searches

The Internet is a vital resource when you’re shopping for auto insurance. You can use the Internet to get quotes on various policies and to compare them. Doing your research on the Internet is important for finding quality coverage at a competitive price in your area. 

Insurance company representatives

You can also contact insurance providers directly and ask their representatives any questions you have about insurance options. This helps you to understand the details of particular policies from certain insurance providers doing business in Indiana. 

Make a list of any questions you have before getting in touch with a representative from an insurance provider you’re interested in buying a policy from. This will help you find answers to any pressing questions and give you a feel for the customer service offerings of particular insurance providers. 

Your auto dealer

If you buy your vehicle from a car dealer, you may be able to get a good recommendation on an auto insurance policy to meet your needs from your dealer. Dealerships may have advice on which auto insurance providers offer the most competitive rates for particular vehicle models.

Don’t be afraid to ask questions about insurance providers when you purchase a vehicle from a dealer. 

Do you have more questions about finding auto insurance in Lafayette, IN? Get in touch with us at Blevins Insurance Agency to find the answers you’re looking for.