How do your auto insurance needs change when you pay off your car?

When it comes to finding the right insurance to protect your car, the Blue Hen Insurance LLC team is here for residents in the greater Middletown, DE area. For many people, our cars are an important part of our everyday lives. Our need for reliable transportation makes protecting our vehicles very important. There’s no reason to go it alone when our team is here to help you make any needed changes.

Congratulations on paying off your car!

Paying off a vehicle is a great accomplishment. Now that you own your car outright, you might be wondering how this new reality changes your auto policy needs. Fortunately, our team is here to review your current policy and help you decide if it’s time to adjust your policy.

Many financial institutions have minimum coverage requirements that you must carry while paying off your car loan. Of course, that doesn’t mean that once your loan is paid off, you should drop your coverage. There are some instances when more comprehensive protection makes sense, even if you don’t have a loan. 

This is a situation where sitting down with your local agent is the right move. Our team can review your new situation with you and provide some information about how your coverage needs may have changed. Factors to consider are the age of your car, its replacement value, and how long you plan to keep driving it. 

Talk to our team today.

Blue Hen Insurance LLC is here to help residents in Middletown, DE, and the surrounding communities with all their insurance needs. Now’s the team to get to know our team. Give us a call or stop by our office today.

We look forward to seeing you soon!

Auto Insurance and Accident Facts Every Driver Should Know

If you are going to operate a motor vehicle, it is crucial that you make sure that you are properly insured. Car accidents are common, and they can result in expensive medical and repair bills. The right auto insurance policies can reduce risks and provide coverage. If you’d like to learn more about car insurance rates, contact Blue Hen Insurance LLC, serving Middletown, DE and other areas nearby.

Accident Stats and Facts

Americans rely extensively on their vehicles, and in 2021 there were more than 280 million vehicles in operation, according to Statista. The United States is home to more than 220 million people with driver’s licenses. Ultimately, around 215 million people carry car insurance. The average American will drive more than 14,000 miles per year.

Car accidents are common as well, and many people will end up involved in one at some point. Indeed, each year there are more than 5 million car accidents. While many of these accidents are relatively minor, more than 40,000 people are killed in accidents per year.

Given how common car accidents and drivers are, it should come as no surprise that the auto insurance industry is quite large. Indeed, IBIS World reports that the auto insurance market is worth over $300 billion. Data collected by the National Highway Traffic Safety Administration (NHTSA) suggests that vehicle accidents cause more than a trillion dollars worth of damage per year.

Consult With Us

If you’re operating a vehicle, it’s crucial to protect yourself, your family, and other drivers by taking out a car insurance plan. Contact Blue Hen Insurance LLC, which serves Middletown, DE and other communities to discuss auto insurance options.

Do You Need Roadside Assistance Coverage?

As a driver, it’s not enough to just have auto insurance. At Blue Hen Insurance LLC, we’re providing roadside assistance coverage to the people of Middletown, DE. It’s important for vehicle owners to have coverage in a variety of situations, including roadside trouble.

What is Roadside Assistance?

If you’re constantly driving a vehicle, then you’ll know the likelihood of experiencing a roadside breakdown. Some drivers have to pull to the side of the road when their transport has developed a flat tire, a faulty battery, a damaged auto part, or an electrical problem of some sort. If you don’t have auto repair experience, then you’ll need to call a service to tow your vehicle into an auto shop. Roadside assistance can be surprisingly costly, especially if you don’t have auto insurance to pay for everything. That’s why many vehicle owners opt to buy auto insurance that covers roadside assistance. This is the type of insurance policy that covers gas delivery, vehicle towing, puncture repair, and any other services related to roadside assistance. 

Is Roadside Assistance Coverage Necessary?

For many drivers, roadside assistance coverage is an important policy to include. Some people own vehicles that are likely to experience a breakdown while driving on the road, or they live in areas where roadside assistance is expensive. Either way, having roadside assistance coverage will provide drivers peace of mind. This kind of policy is considered a part of a comprehensive insurance package that covers all the buyer’s needs. 

Getting Roadside Assistance Insurance in Middletown, DE

If you’re interested in hearing about our roadside assistance coverage, contact Blue Hen Insurance LLC. Our team of experienced agents will be happy to answer any of your questions related to auto insurance. 

How to Prepare Your Car for a Summer Roadtrip

Ready for a summer road trip in Middletown, DE? Not so fast! Your car needs a little TLC before you hit the road, and here at Blue Hen Insurance LLC, we know just where you can start. Here are a few tips you can use to prepare your car for your next road trip.

How to Prepare Your Car for a Summer Roadtrip

1. Visit a Mechanic

Before a long trip, you want to have an inspection done by a professional. While there are basic maintenance tasks you can perform ahead of time by yourself, like checking your tire pressure, you will want a mechanic to inspect your brakes in case wildlife runs in front of the road, a car suddenly stops, or unruly weather causes you to stray off the road.

2. Check Your Car Insurance Policy

You don’t want to have to worry about whether you have coverage while you’re sitting on the side of the road with a broken windshield. Make sure your car insurance policy is current so you can be prepared if there’s an accident. 

3. Test Your Air Conditioner

If you’re warm on short trips to the grocery store, imagine what an entire road trip in the summer heat will feel like with your AC not working! Check the temperature in your car with the AC running and make sure it’s in working condition before you head out on the road.

Begin Your Adventure Now

Middletown, DE is beautiful, especially in the summer. Ready to go exploring? Contact Blue Hen Insurance LLC today to learn more about car insurance policy options that will be the right fit for your next summer trip. 

Collision Insurance: What It Is and What It Covers

Car accidents are, unfortunately, a fairly common occurrence. Should you find yourself in a crash, you’ll be responsible for paying to have your car fixed or replaced if you don’t have collision insurance. This form of insurance is often required for those that are leasing or financing their car but optional for those that own their car outright. Unlike liability insurance, a collision policy will kick in even if you are found to be at fault.

What’s Covered By Collision Insurance

As previously mentioned, collision insurance covers the repair or replacement of your car should you be involved in an accident. In general, this type of policy applies during

  • Single-car accidents where there’s a rollover or a collision with an object such as a fence, tree, or guardrail
  • Accidents involving another car, including hit and runs

Though it may not be required, having a collision policy in place to protect against these types of situations can prevent you from paying thousands of dollars out of pocket.

What’s Not Covered By Collision Insurance

It’s important to remember that collision insurance only covers damage to your car and not injuries or damage to other vehicles or objects. Other instances where collision insurance does not apply include weather-related damage, car theft, and collision with animals. If you would like to have these events covered, you’ll need to buy comprehensive insurance as well.

Looking for a Customized Insurance Plan in Middletown, DE?

Contact Blue Hen Insurance LLC Today!

When you need peace of mind that your car is protected in the event of an accident, turn to the professionals at Blue Hen Insurance LLC. Drivers in Middletown, DE have trusted us to provide them with a personalized policy that gives them the right amount of coverage without breaking the bank. Contact our team today to receive your quote.

Types of Automobile Insurance Available

It is required by law that Middletown, DE residents obtain automobile insurance of various types. Blue Hen Insurance LLC is here to help you navigate the different types of coverage available to you. 

Types of Automobile Insurance Available

One category is PIP or personal injury protection. This coverage is typically purchased in states that follow no-fault laws which declare a person must cover their own expenses regardless of who is at fault for the accident. Delaware is an at-fault state yet still mandates this insurance product. 

PIP will cover your medical costs, and it can also make payment for lost wages. State regulations require you to purchase at least $15,000 per person or $30,000 per collision. 

In addition, you need to procure liability indemnification. Your Blue Hen Insurance LLC representative and go over the exact scenarios that would be included, but generally speaking, it would pay for expenses resulting in property damage to the other party’s vehicle. It will also extend to their hospital bills and lost income. $25,000 is required per person and $50,000 per wreck.

Collision coverage indemnifies your vehicle in the event that you come into contact with another object, and this can include things like a lamp post, a mailbox, or a car. Comprehensive insurance takes care of situations that do not involve a wreck, such as falling tree branches or hailstorms. 

Underinsured protection helps when the other party has insurance but lacks a sufficient amount to cover your costs. An uninsured policy is for situations where another driver has no insurance at all. Gap insurance pays off your loan balance if it is less than what you receive from your settlement. 

Get The Right Coverage Today

We invite you to reach out to us today to discuss your specific situation by phone, online, or in person at the office. We serve those who live in and around Middletown, DE, and we look forward to doing business with you. 

How To Reduce Your Chances of Being in an Accident

No one wants to be in an accident. They’re costly, stressful, and can sometimes result in serious injuries. But did you know that there are things you can do to reduce your chances of being involved in a collision? Our team at Blue Hen Insurance LLC in Middletown, DE is here to provide you with a guide.

Here are some tips on how to stay safe on the roads:

Become a Defensive Driver

Becoming a defensive driver means being aware of your surroundings and making sure you’re always paying attention to the other vehicles on the road. Additionally, it means obeying the speed limit and following all traffic laws.

Make Sure Your Vehicle Is Always Well-maintained

This means regularly checking your tires, brakes, and lights and making sure they’re all in good working condition. It’s also important to have any necessary repairs made in a timely manner. 

Plan Your Route Ahead of Time

If you know where you’re going and what route you’ll be taking, you’re less likely to get lost and end up in an unfamiliar area. This can help you avoid getting into a situation where you’re more likely to be involved in an accident.

Never Drive When You’re Tired

Drowsy driving is one of the leading causes of accidents. If you’re tired, take a break and get some rest before getting back behind the wheel.

Get Auto Insurance Today

By following these tips, you can help reduce your chances of being involved in an accident. However, even the most cautious drivers can’t always avoid collisions. That’s why it’s important to have quality auto insurance coverage from a trusted agency like Blue Hen Insurance LLC in Middletown, DE. We can help you find the right policy for your needs and budget so that you can rest assured knowing you’re protected in the event of an accident. Contact us today to get started.