When you are purchasing Texas car insurance, a lot of questions about your own life will go through your mind. You have to think about driving records, what impacts your insurance rates, and what kind of coverage you need to drive on Texas roads.

At Allen Jones Insurance Agency, we want Seguin, TX residents to be clear on everything when it comes to purchasing your Texas auto insurance. We want to make sure that the most common car insurance myths don’t prevent you from getting the right coverage.

Car Accidents and Traffic Violations

It is common knowledge that when you get involved in an accident, you may be charged with a traffic violation or get a ticket. This will always impact your auto insurance. Some people think that if you don’t get a ticket or charge after an accident, your insurance is not impacted.

This is sometimes not the case. If the other driver makes a claim and involves your insurance company, you may see an increase in your premiums.

Texas Auto Insurance Follows the Car

This is among the most common confusions when purchasing car insurance, or when letting someone else drive your vehicle. If a friend or family member drives your car, your insurance will be involved in any problems that may come up.

Their insurance may be involved for medical costs. However, your insurance covers your property, regardless of who is driving at the time of a collision.

Driving Record is Not the Only Thing That Matters

There are a lot of factors that go into determining your car insurance policy. Your driver record matters. There are other things that are taken into consideration as well. 

Security features such as anti-theft devices, the price of your vehicle, and your insurance record will all play a role in your insurance premiums. It doesn’t mean you can’t get car insurance if there are some problems here, but this information will impact premiums.

Get a Quote

When you are looking for Seguin, TX auto insurance, make sure you have all the right information. At Allen Jones Insurance Agency, we can help. Call us for a quote today.

Auto insurance is one of the mandatory policies that vehicle owners are required to have, with Seguin, TX laws requiring drivers to have bodily injury liability, among other coverage options. This is because auto policies come with numerous advantages, helping you and other motorists get proper protection while on the road. Below, Allen Jones Insurance Agency explains the benefits of getting auto insurance.

Compliance With the Law

As previously stated, drivers within the state need to have proof of insurance for every vehicle purchased. This means getting insurance like liability coverage, personal injury protection, and, where required, uninsured/underinsured coverage. Without these, you risk getting penalties, with the long-term repercussions being the revocation of your license. The solution to avoiding such inconveniences is purchasing auto insurance which helps you comply with the legal requirements.

Financial Security

If you are involved in an accident that results in 3rd party injuries or property damage, you will be required to pay for these costs. If you do not have auto insurance, paying out of pocket will be inevitable. In addition to this, lawsuits arising from these emergencies also come with fees such as legal charges and damages. This can leave you in financial turmoil, with auto insurance coming in handy in providing compensation for any of these events.

Eases Your Lending Journey

Numerous lenders currently require auto insurance from borrowers as a guarantee that their investments are protected when accidents occur. Without this, your financing agent may be reluctant to sign off on your car loan. Auto insurance helps you get a smooth financing process during the purchase of your vehicle, acting as proof that your car has the suitable protection to keep it safe during perils.

To get auto insurance with the above benefits, consider calling Allen Jones Insurance Agency today. We provide customized policies for Seguin, TX drivers.

Shopping for auto insurance may feel stressful at first as there are a lot of factors to consider. Fortunately, a bit of research and time could make the whole process much easier. Talking with auto insurance pros is wise as well. Contact the Allen Jones Insurance Agency, which serves Seguin, TX, if you’d like further advice.

Should You get Full Coverage or Limited Liability Insurance?

Many drivers opt for full coverage auto insurance. This insurance typically covers damages and medical costs for drivers and their passengers and anyone else (such as another driver) injured in a car accident. Further, damage to your vehicle may be covered as well.

Limited liability insurance typically covers other parties but may not cover you completely. For example, if your car is damaged in an accident, you may have to pay out of pocket for repairs.

Deciding between full and limited liability insurance is one of the biggest decisions you’ll make when selecting an auto insurance plan.

What Other Events and Damages Are Covered?

When shopping for auto insurance, you need to consider the multitude of things that could impact your car. Is weather damage covered by a specific plan? How about vehicle theft? What if someone steals something, say a laptop, that was inside the car?

By examining individual auto insurance plans or talking with an insurance pro, you can figure out exactly what’s covered.

How Much is the Deductible?

Many auto insurance plans include a deductible. This means your insurance provider may not cover costs until you reach a certain threshold. Instead, you might have to pay out of pocket for repairs and the like. Often, you can select different deductibles when setting your auto insurance policy.

Many other factors should also be considered while shopping for car insurance. Contact Allen Jones Insurance Agency, which serves Seguin, TX, for professional advice.

Being able to drive provides a lot of freedom. But before you hit the road, you need to be sure you have the auto insurance required. Most states have basic auto insurance requirements. Basic insurance is the least amount you can legally have but do you need more? At Allen Jones Insurance Agency in Seguin, TX, our staff will meet your insurance needs and provide the information you need to make an informed decision. 

In Texas, drivers are required to prove they can pay for the damages caused in an accident. The most common way to do this is with auto insurance. The very least you can have in Texas is 30/60/25. This is liability coverage. It will pay $30,000 in medical expenses to one person and $60,000 for the entire accident. It also covers $25,000 for any property damage. If you know anything about medical expenses or vehicle prices, you realize this really is basic. 

If you don’t have a lot of assets, this is an acceptable amount of insurance. However, once you have a home, savings, or any other assets, this is not enough to offer you peace of mind. This is where talking to an insurance agent you trust is something you need to do. This protects the other people in an accident, but what about your vehicle?

If you have a car loan, you will need to carry collision and comprehensive insurance, and even if you don’t owe anything, this protection can really help out if anything happens to your car. Having the money to pay for repairs is not easy for everyone, and when you need your car to get to work, it has to get repaired. 

If you live in or near Seguin, TX, the Allen Jones Insurance Agency would love to talk to you about auto insurance. Give us a call or stop by the office for a free quote.