If you are interested in buy an auto insurance policy you need to read this list before purchasing it:
- You are responsible for the accidents you cause in Texas.
State law requires individuals who drive in Texas to pay for the accidents they cause. Most of the population does this with liability insurance. A liability policy pays for the repair or replacement of the other driver’s car and pays for other people’s health costs if you are at fault in an accident. In Texas, you should have at least $ 30,000 in liability coverage for each individual injured, up to a total of $ 60,000 accidentally and $ 25,000 for accidental property damage. This elemental coverage is called 30/60/25 because of the amounts required for coverage.
- Decide how much liability coverage you need.
Either because of the cost of the car or the high cost of medical care, it is possible that the minimum amounts are not enough to really cover the needs that are had if you are the culprit of the accident. Other drivers may sue you to collect the difference. Consider raising the lower limits to fully protect yourself.
- Decide what other coverage you need.
Liability insurance does not cover the repair or replacement of your car or the medical care necessary for your injuries. Other types of coverage to consider to include in your policy are Collision (pays for damage to your car), Comprehensive (pays for damage caused by fire, hail, vandalism, or theft), Uninsured or Underinsured Driver (pays for car damage, medical treatment, lost wages, pain and suffering and other expenses if the driver who caused the accident did not have enough insurance or did not stop), Medical payments (pays for medical bills resulting from an accident) and Personal Injury Protection (pays for medical bills, plus 80 percent of lost income and cost of caregiver for an injured person).
- Get price quotes from various companies.
When you contact us and offer us your information, we can give you different budgets and different types of contracts from the companies with which we are affiliated so that it is you who decides while we offer you the best policies and the most economical prices.
- Look at a company’s complaint log.
A good way to verify a company’s customer service is to look at its complaint log, which is measured by a complaint index. A value of 1 is the average. Less than 1 means that you receive fewer complaints than the average insurance company, and a number greater than 1 means that the company receives more complaints than the average.
- Decide on a deductible.
A deductible is the portion of money you should pay before the insurance company pays. For example, if your policy covers you 5000 and you have a deductible of 1000 then your insurance will only pay you 4000 and the higher your deductibles, the lower your premium will be.
- Ask about discounts.
Most of the policies have discounts, such as discounts for owning a house for example. When you ask about the prices of the policies, inquire into the discount rates that insurance companies can give so that you can recognize what discount you can apply and save money.
- Check the company license.
If you already have a business in mind, check that your license is up to date. You can get this information by calling 800-252-3439.
- Avoid gaps in coverage.
Never cancel a policy until you get your new policy or a written statement showing that you have coverage. Keep buying if a company rejects you. If you have trouble finding insurance, ask our team to help you with your particular case.
- Know where to get help.
Our work team is ready to assist you and resolve all the doubts you may have before purchasing your insurance policy. You can call the phones:
Or you can enter our website and click on the WhatsApp icon to communicate directly with our hotline.