Rates and comparison: Insurance companies set different rates per their own underwriters guidelines from one company to the next and they must maintain a reserve for paying claims. To be absolutely correct in comparing a rate, the coverage must be the same. (comparison apples to apples). Persons living in different areas have different rates.

We provide the best rate per your request the first time !  You will never have to ask why you did not give me a better rate the first time discount auto insurance.

Rates do change all the time, rates can change should the insurance company decide they do not wish to write insurance in a particular area or market the rate would be higher (per the company policy).

Insurance rates quoted from one company, are for that company only. Independent agents can provide rates from several company's for comparison. We are an independent agency.
 
Discounts apply for age, driving record, the county the vehicle is kept or driven in, number of past claims,  and the vehicle itself (most stolen cost more), multiple company policy (car one car two home) (accidents per thousand in your county or area / claims) discount for purchasing 12 month to 6 month. The value of your vehicle changes as well over time which affects the rate.

Some company's charge a first time setup fee of $80 dollars.
We do not charge you a set up fee for selling you insurance nor make obscure claims as to discount or cost.

Question How much car insurance should I have and what type.
Answer This depends on your particular situation, today's automobiles can be very expensive to repair or replace, if you collide with a $60,000 car or are the owner of one.

Mandatory Texas auto liability insurance coverage is 25,000/50,000/25,000 meaning auto liability insurance $25,000 Bodily Injury for the death or injury coverage for any one person any one accident caused by anyone on your policy. $50,000 for all persons in any one accident. $25,000 Property Damage for damages incurred by an accident this does not include collision damage to your car. The minimum insurance coverage is often not enough to pay for all the damages and does not repair your car.

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Question ~ Is there anything I can do to lower my premium?
Answer ~ Most companies offer discounts you may be able to get a discount on your auto insurance if you have taken a drivers safety course or have two vehicles. Discount apply for purchasing 12 month to 6 month.
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For auto insurance, tickets and accidents can cause you to pay more, maintaining a good driving record is important. Forty seven states require you to have car insurance, having what the law requires plus optional coverage will help to protect you in the event of an accident.

Question If something is stolen out of my car, I should file a claim on my auto insurance 
No.  Your personal property is covered under your homeowners or renters policy.

When to File a Crash Report
If a law enforcement officer is not investigating the crash, you must file a crash report with TxDOT within 10 days if: there are injuries or a fatality, you suspect property damage exceeds $1,000, or you suspect a driver is intoxicated, unlicensed, has no insurance or attempts to leave the scene. If you don't file a report, you're subject to up to a $500 fine, plus court costs.

New residents are required to do the following within 30 days of moving to Texas: get a vehicle inspection, register and title their vehicle, and get a Texas driver license. New residents must have their vehicles pass inspection before having it registered and titled. After having it inspected, owners should take the following to their county tax office: inspection certification, proof of liability insurance, the vehicle's odometer reading if it is less than 10 years old, an original out-of-state title, proof of registration, proof of sales tax payment or current foreign/military ownership document, completed Form VTR 130-U, and the following fees: registration fee, title application fee of $28 or $33, depending on the county, and new resident tax of $90. TXDOT |

What to do if Your Car is Stolen Immediately contact the police and file a stolen vehicle report. Make sure you provide your Vehicle Identification Number (VIN) number to help law enforcement agencies locate your vehicle. If you do not have your VIN number readily available, contact your insurance company or financial lender. Report the theft to your insurance provider. Even if the loss is not covered, reporting the theft will protect you if the automobile causes harm to others after being stolen. If possible, have the vehicle's title, the location of all keys before the theft, a thorough description of the vehicle and any personal property that was stolen with the vehicle. If the vehicle is leased or still being financed, contact your financial institution.

Personal Injury Protection (PIP) Coverage Pays: Same as medical payments coverage, plus 80 percent of lost income and the cost of hiring a caregiver for an injured person. Covers: You, your family members, and passengers in your car, regardless of who caused the accident.

 Personal Injury Protection (PIP): An automobile insurance coverage mandated by law in some states. The statutes typically require insurers to provide or offer to provide first party benefits for medical expenses, loss of income, funeral expenses and similar expenses without regard to fault .
An insurance company must offer you 2,500 in PIP, but you can buy more. If you don’t want PIP, you must reject it in writing.
 
How can I determine the actual cash value of my vehicle.
A vehicle's actual cash value is determined by evaluating a number of factors, including the vehicle's age and condition prior to the loss, as well as any prior damage, improvements, or special equipment. Do some research in your area to see the sales price of vehicles similar to yours. You can also access www.edmunds.com

Would my insurance company just pay off the loan or lease:
Insurance companies do not ordinarily pay more than the actual cash value of the vehicle. If you owe more on your vehicle than the actual cash value, Loan/Lease Payoff coverage would provide you with protection for the difference.

Note - Binders for new autos can be issued to existing customer only, new insurance policy must be signed and new insurance policy payment subject to clearing insurance company's bank, before being considered to be in place or in force.
 

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