Avoid Costly Auto Insurance Mistakes when Applying for Cheap Car Insurance

Posted on 16 June, 2015  in Uncategorized

Trying to find cheap car insurance to fit your budget, lifestyle and coverage requirements may take research and planning to get the best policy for you. To make matters worse, some people make mistakes when applying for coverage. They may over insure, under insure, provide false information or end up with a more costly auto insurance policy. Learn from other people by avoiding these common auto insurance mistakes when applying for cheap car insurance.

Before Shopping for Cheap Car Insurance

Trying to shop for cheap car insurance without making a list of your requirements first is asking for problems. The best way to buy insurance is to prepare in advance and have a list of exactly what you’re looking to buy.

Firstly, you need to know the minimum requirements for cheap car insurance in your state. Let’s use Texas as an example. You can find the minimum auto insurance requirements for the state of Texas at the Texas Department of Insurance.

A quick look at your budget should give you a rough estimate of how much you can afford to spend for a monthly or yearly premium.

Before shopping, you’ll need to decide what would be an affordable deductible. This is the amount you pay out-of-pocket before your cheap car insurance kicks in.

Determine whether there is still a loan on the vehicle. Loan companies or banks typically require you to have comprehensive and collision coverage, which adds up quickly. If there is no loan on the car, you can decide whether you want to pay for these types of insurance.

Common Auto Insurance Mistakes

• Not buying adequate amounts of liability insurance coverage on a cheap car insurance policy. It’s tempting to cut costs and save, but you might want to think about purchasing more than the minimum amount required by the state in case of an accident or lawsuit.

• Paying for comprehensive and collision insurance when driving an older vehicle. There comes a point where the cost of comprehensive and collision isn’t worth paying for because of the age of your car.

• Research any insurer you’re considering to learn about their background, claim complaints, dependability, stability, Better Business Bureau rating and customer service.

• Never lie or forget to include important information on an insurance application such as claims you’ve made in the past, traffic violations, DUIs or accidents. In all likelihood, this information will eventually be found, and it may be cause to turn down a new claim or cancel your cheap car insurance policy.

• Don’t assume you’ll automatically receive discounts you may be entitled to such as safe driver, loyal customer, over 50, safety feature discounts and so on. Always ask your agent if you think a discount is applicable in your situation. More discounts mean cheap car insurance.

• Low deductibles may seem to be a logical idea. However, lower deductibles increase the amount of your premium that’s paid monthly or yearly. Safe drivers will rarely make a claim, so paying higher premiums is costing you more money in the end.

• Too many people focus on the monthly premium when buying cheap car insurance and not the purpose of the insurance. Granted, you have to consider costs, but you must make sure you have adequate limits, coverage types and a company that you can depend on when there’s an accident.

• Many consumers assume they have full coverage when they write a check for cheap car insurance. Sadly, this is often not the case. Check with your agent to be sure you haven’t missed something or have gaps in your insurance coverage.

Cheap car insurance is possible by determining your insurance needs, researching and choosing the most appropriate insurance coverage.

Cheap Texas Auto Insurance: How Cheap is Too Cheap?

Posted on 15 June, 2015  in Uncategorized

The honest truth is that everyone in Texas is interested in cheap car insurance(https://www.texasquotes.com/cheap-car-insurance/). The trick is to balance the cheap part of the equation with reliable and dependable insurance. You will need to have the latter in case you do get into an unforeseen accident. This is because Texas law does require anyone who drives in the great state to pay for any accidents that they cause.

The majority of drivers in Texas cover themselves against any fault for accidents by purchasing auto liability insurance. Put simply, this insurance pays the costs to replace or repair the other driver’s vehicle, and similarly pays for the other individual’s medical expenses from the accident when you are ruled at fault.

The kicker is that when you buy cheap car insurance to cover yourself for the state’s so-called financial responsibility law, you are required to purchase at least the set minimum amount. Presently, the minimum liability limits are $30k for every injured person to include a maximum of $60k per accident, as well as $25k for property damage per accident event. Such basic and not necessarily sufficient cheap car insurance is also known in Texas as the 30/60/25 coverage.

The reality is that because of constantly rising car prices and often ridiculous medical care costs, these minimums could not be sufficient to cover all of the other driver’s expenses should you be at fault in the accident. To collect the difference in amounts, the other drivers could sue you and win. This is why you should seriously consider buying a greater amount of cheap car insurance than the minimum basic limits in order to protect you and your family financially.

Another thing to consider is that liability insurance does not pay to replace or repair your car, or to treat your own injuries, should you suffer any. This means that you really should thinks seriously about purchasing other kinds of cheap car insurance coverage, like collision, medical payments, and comprehensive, in order to cover these often considerable costs.

Once you acquire such a cheap car insurance policy, you can expect to receive a proof of insurance card from your new insurance company. You will be required to show your currently valid auto insurance card in all of the following cases:

When a police officer asks to see it
If you have an accident
When you receive or renew your driver’s license
Whenever you register or renew your car’s registration
Should you get your car inspected

You could choose not to carry liability insurance, but it is not highly recommended. The state of Texas enforces a number of stiff penalties for violating their financial responsibility laws. On a first offense, you will be fined from $175 to $350. On a second offense you will suffer a penalty of from $350 to $1,000, plus the suspension of your driver’s license and also the impediment of your car. If they catch you without a driver’s

Tips for Finding the Best and Cheapest Car Insurance in Texas

Posted on 15 May, 2015  in Uncategorized

If you’re living in Texas, you know how important it is for you to be able to get around where you need to go. If you do not have a car its own insurance, you are going to be forced to rely on others or public transportation to get everywhere. The real reason a lot of people do not think about getting car insurance for their own vehicles is for the simple fact that they think it is too expensive for their current budgeting needs. If you feel that getting car insurance is just too pricey, there are a couple of ways for you to find the best insurance at the cheapest rates. The first way is to check https://www.texasquotes.com/cheap-car-insurance/ for the best Texas Auto Insurance quote.

Car insurance is an absolute must when you’re living in Texas. It protects you if you ever get into an accident or deal with anything related to the integrity of your car. If there is ever a problem, you will be able to contact the insurance company and they will do their very best to remedy the issue. The other thing to remember about auto insurance is that it is a legal necessity when you’re driving a vehicle on the road. If you get caught without insurance, you can receive a pretty hefty fine in the state of Texas.

Now that you know how vital it is for you to have car insurance, it is important for you to find the best rate and company to go with for your own benefit. The truth is that there are many Cheap Car Insurance 10-15 plans out there for you to choose. You can first begin to find these plans by searching for specific companies. Gather the names of a few different companies and then compare their rates to get a good idea as to how much they charge for this type of coverage. Most companies will enable you to get a free quote either on the phone or Internet to save you time and hassle.

Once you find the right company, you can begin to develop the insurance policy that is right for you. One of the best things about car insurance policies in the state of Texas is that they can be customized to fit your own individual needs. If you don’t want to spend a small fortune, all you have to do is remove some of the coverage that you know you’re not going to use at all in the future. Some of these coverage plans might be roadside assistance or even rental car reimbursement for those who might need a vehicle when their own is out of commission.

You will find that getting the right type of insurance plan helps you to feel confident in your driving and makes you less anxious when you’re on the road. When you know you are fully covered, it will be a whole lot easier for you to just relax and drive without the worry that you’ll get into an accident and do not have insurance or you may get stopped by a cop and receive a pretty expensive fine that puts many points onto your driver’s license. You can compare a variety of different companies to see which one is going to be the right fit for you. From there, you can do an online free quote to get a feel for the price that you may be paying for the policy. If you would like to spend less on the insurance, you can easily do this when you customize the plan and remove some of the things that you know you are not going to need or use in the future.