Keep these items in your car in case of emergency

In Lafayette, IN you never know when you’ll be faced with an emergency in your car. At Blevins Insurance Agency, we want to make sure you’re safe on the road regardless of what situation you might find yourself in. That’s why we created a list of things to keep in your car in case of an emergency. 

Emergency items include things to sustain you, such as food; things to keep you safe, such as a blanket; things to use in case of a medical emergency, such as bandages; and things to help your car in an emergency, such as jumper cables.

Include the following in your car emergency kit: 

Items for you and your family:

  • Nonperishable food
  • Water 
  • Blankets
  • A change of clothes for each member of your family
  • Diapers, wipes, formula, and baby food (if you have young children) 
  • A pocket knife 
  • A car phone charger
  • Spare cash
  • A map of the area you typically travel 
  • A flashlight
  • Batteries
  • A whistle 
  • Garbage bags
  • Food for any pets that regularly travel with you 
  • A fire extinguisher
  • Personal hygiene items, such as toothbrushes and menstrual pads 
  • A paper and pencil 
  • Toys, books, and other items to keep kids occupied 

Medical items

  • Band-aids
  • Gauze
  • Medical tape
  • First aid kit
  • Any prescription medications for members of your family 
  • Pain relievers

Items for your car 

  • Jumper cables
  • Flares
  • Reflective triangles
  • A spare tire
  • Your car’s manual 
  • Ice scraper 
  • Cat litter or sand for traction in slippery conditions 

It might seem like a hassle to prepare an emergency kit for your car, but you’ll be thanking yourself in the event you or your family face an emergency on the road near Lafayette, IN. If you have questions about how to prepare your car for an emergency or how to make sure your auto insurance is up-to-date, contact Blevins Insurance Agency today.

Who should invest in auto insurance in Indiana?

Those that move to the Lafayette, IN area can find that owning a car is a practical necessity. With a reliable car, you will have an easier time getting around and enjoying all that the community has to offer. If you are going to buy a car, you also need to get the right insurance for it. There are various situations in which someone will need to have this insurance support.

When Driving on a Public Road

A situation in which you will want to have an auto insurance plan is when you want to drive on a public road. People that are going to drive a car here need to meet the standards and laws set by the state. This includes a requirement that all drivers carry liability auto insurance when on a public road. If you do not meet the minimum standards, you can face various penalties. 

When Trying to Protect Car

Your vehicle is likely one of the most valuable assets that you will ever own. Due to the importance and value of a car, you should always make sure that you get the proper insurance for it. When you get an auto insurance plan that includes comprehensive coverage, it will protect you against many scenarios that could otherwise result in a loss for you. 

Anyone that is a vehicle owner in the Lafayette, IN area will want to ensure they have the right insurance. As there are a lot of choices to make when you are looking for an auto insurance plan, the Blevins Insurance Agency is always a great company to start with when looking for support. The team with the Blevins Insurance Agency will give you any support that you need to build your next plan and ensure that you remain appropriately covered with insurance. 

Auto Insurance and Your Teen Driver: What You Should Know

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.

Is Auto Insurance Mandatory in Indiana?

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. 

Three resources to help you find the right auto insurance policy

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.