Auto Insurance

Your car is valuable to you. In fact, it probably represents one of your most expensive investments. To protect all you’ve put into your vehicle, you need auto insurance. 

What is auto insurance? 

Essentially, car insurance is a contract between you and an insurance company. It’s there to protect you from financial losses because of accidents you cannot control. If you have a wreck or other accident, your insurer agrees to pay for some or all the vehicle’s damage and other losses. For the simple cost of a policy premium, you’ll have financial security in case of unfortunate mishaps. 

What do auto policies cover? 

Almost all drivers have choices about what’s in their policies. Most can contain a variety of protections: 

Ask your agent how to add these protective elements to your coverage. 

Why do you need car insurance? 

Most states require you to carry at least some of this coverage, usually liability insurance. Still, don’t sell yourself short by taking the bare minimum in protection. Let your agent help you determine a more comprehensive coverage portfolio. 

We cannot understate the importance of having adequate coverage. It will help you protect yourself financially. Rather than put your savings on the line trying to pay for a damaging accident, let your insurance step in. In the end, you’ll be glad you always carried coverage. 

How auto insurance deductibles work 

An auto insurance deductible is the specific amount you’re responsible for paying toward a claim before your policy will cover the remaining costs. Deductibles don’t apply to all types of claims and typically can be chosen or set by you. Generally speaking, the lower your deductible, the higher your insurance premium. Choosing a deductible you can afford is essential, especially considering that deductibles for auto insurance are due on a claim-by-claim basis. If you file multiple claims for repairs or replacing your vehicle during your policy term, you’ll likely need to pay your deductible each time.  

How auto insurance claims work 

The claims process varies widely based on the type of coverage you have and the type of claim you need to file. Generally, if you’re filing a claim against your collision or comprehensive coverage, your insurer will send out a claims adjuster to evaluate the damage and/or negotiate with the repair shop to agree on the cost of damages. Then, the insurer will approve or deny the claim and remit payment, which is sometimes a check directly to you if you’ve fronted the total cost of repair or to the repair shop less the cost of your deductible. Work with your agent now to find out how the claims process will work for you. 

Questions to ask your agent 

From initial contact to ongoing policy support, we’re here to help you make the most of car insurance. Our independent agents fully understand the intricacies of individual policies. We guarantee you’ll always have a support system in us. Here are a few things to consider as you prepare to get covered:  

• How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.) 

• What is the insurance company's level of service and ability to pay claims? 

• What discounts are available? (Ask about good driver, multiple policy and student discounts.) 

• What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.) 

Contact us today 

Don’t hesitate to get a quote on a personalized auto insurance policy right now! Contact us at 281-376-1933 or request an online quote right now! 

Classic Car

Minor Violation Forgiveness

Personal Injury Protection (PIP)