Texas

Insurance In The Lone Star State

Texas is a vibrant state full of character and history.

Texas is the second largest and second most populated state in the United States.

People who live here are proud to be Texans and loyal to their neighbors.

You can see this pride in the ways that Texans display their flags and wear their cowboy boots.

The way that people greet each other and tip their hats. People are open and love the richness that this state has to offer.

From owning a home out in the country to renting a high rise in the states capitol, people choose to live here because of the diversity and richness you can find all around.

Texas is known for its vast plains and gulf coast properties. It is a unique place where cattle and horses roam on the side of the road.

Where people have strange accents that ooze hospitality.

When you live in Texas, you know that life is good.

To keep the things you love most protected, you need cheap insurance. 

Insurance Facts

  • Texas is the second-most populous state with over 26 million residents who account for about 8% of the total U.S. Population.
  • Texas still owns all of its public land, so when the Federal government wants to build something, it must first ask permission.
  • As far as land mass is concerned, Texas is the second-largest state in the Union, after Alaska.
  • Texas law requires drivers to pay for accidents they cause.
  • Fault is ultimately determined by the state, using evidence and testimony gathered at the scene of the accident.
  • The at-fault party is then required to pay all damages resulting from the accident.

Car Insurance

When looking through the options for cheap car insurance Texas offers, the more information at your disposal the better.

There are well over 22 million registered vehicles in Texas, with an average car insurance premium of $1,661 for a 12-month period as of December, 2016.

The price is higher than most states, but the good news is that plenty of companies are competing for your business.

Texas’ Car Insurance Requirements

 

  • Bodily Injury coverage requirements are a minimum of $30,000 per person and $60,000 per accident.
  • Property damage liability minimum requirements are $25,000.
  • Uninsured Motorist coverage is not required, but insurance company’s are required to offer it, and explain the coverage to consumers.

Other coverages to add to your policy for better protection:

  • Collision coverage which covers you and your own vehicle if damaged in an accident
  • Comprehensive coverage which will cover theft and small damages not incurred from an accident
  • Towing and Roadside Assistance will be greatly welcomed if you get stranded on the side of the road.

Discounts are everywhere!

  • Discounts for safety courses taken- taking a safety course can help your premiums go down because it proves that you are a safe driver.
  • Marital discounts
  • Good driver discounts- having a driving record which shows safe driving and responsible skills will only help you when shopping for insurance.
  • Multi-car discounts- Not only having multiple cars can help, but the types of cars your family drives could save you.
  • Multi-policy discounts- You may want to consider getting homeowners insurance, motorcycle insurance, car insurance, SR22 insurance and much more from the same insurance company.
  • Association discounts
  • Education discounts
  • Occupation discounts- Depending on what kind of job you have and how far you need to commute for that job could make a difference in your policy choice and price.
  • Excess vehicle discounts
  • Mileage discounts- Keeping low miles on your vehicle should keep your premiums lower.

Get your free quote today by clicking on the link below.

Feel free to call us for more information about cheap car insurance and how you can obtain it.

Car Quote

 

Motorcycle Insurance

Riding a motorcycle is a freeing feeling.

Turning the curves of a winding valley road, or heading out to the Gulf Of Mexico for a day trip is fun and exhilarating.

But when you are riding on two wheels instead of four, there is more risk involved.

Having cheap motorcycle insurance in Texas is very similar to having car insurance.

The minimum coverage that you will need is:

  • $60,000 bodily injury coverage total per accident.
  • $25,000 property damage coverage per accident.
  • $30,000 bodily injury coverage for each injured person in an accident.

But that is just the minimum. If you also want your own bike and injuries to be covered you need to obtain more.

Here are other options you might want to add to your policy:

 

  • Collision coverage can help cover costs to you and your own bike.
  • Comprehensive coverage will cover theft and other types of damages to your bike.
  • Towing and roadside assistance are always a good idea in case you break down. You could be covered or reimbursed for this.
  • Uninsured Motorist coverage is a great idea. If you get into an accident with an uninsured rider or driver, your costs will still be covered.
  • You can even have glass coverage which will just covered any broken or damaged glass to your car.
  • Rental reimbursement is always a good idea, in case you need to rent a car when in an accident.
  • Safety Apparel- you could get your helmet and other protective gear covered.
  • Custom Parts may or may not be covered in your policy. Check with a broker to find out if you can customize your bike
  • Medical Coverage- this is a must when riding a motorcycle

Here are the types of motorcycles that can be insured:

  • Two Wheel Motorcycles
  • Scooters
  • Mopeds
  • Motocross and Dirt bikes
  • Trikes
  • Custom Motorcycles and Choppers
  • Kit Bikes
  • Any factory-built two or three-wheeled vehicle

So call today and get a quote that fits your needs!

Homeowners Insurance

 

Your home is a huge investment. You have spent a lot of time and money getting it just the way that you want it.

Televisions, furniture, and all of your precious belongings reside in this house.

Don’t you want the best possible protection you can find? Look no further.

Texas is a great place to buy a home and if you are looking for that cheap homeowners insurance Texans need, we can help!

Waking up in your own home with your family and knowing that if the worst happened you all would be ok.  Now that is a great feeling.

Think about the amount of homeowners insurance you might want and call us today!

Here is what to expect:

 

  • Homeowners insurance is in place in case a disaster such as a fire occurs and your home is destroyed. You will need it insured to pay off the loan on the home and recover damages.
  • Credit can be an important rating factor when looking for homeowners insurance. The difference in cost between someone that has excellent credit versus poor credit is nearly half.
  • Homeowners insurance covers four basic types of insurance: structure, personal belongings, liability, and additional living expenses.
  • You have a few different types of coverage: a cash value coverage, a replacement cost coverage and a guaranteed or exceeded cost coverage.
  • An insurance company cannot just cancel your insurance. They have to have a good reason such as failure of payments.
  • If you plan to remodel your home, make sure you check in with your agent. Your reconstruction is not automatically covered in your insurance policy.
  • Think about where you live. Do you need fire protection or flood protection? If you live near the Gulf think about getting flood protection. If you . live in the north near the plains think about getting wind and storm damage protection.

Maybe you qualify for discounts. Here are some ways to get better homeowners insurance for less:

 

  • Monitored home alarm system- having an alarm system could deter burglaries and looks great to insurance companies.
  • Doors fortified with security locks- having a deadbolt lock is a sure-fire way to save you money.
  • Smoke detectors- this is not only a super safe idea for your family but could literally save lives.
  • Sprinkler system- these are more expensive to install, however this could save you money and pay off if something in your home catches fire.

 

Get your free online quote in a matter of minutes!

Home Quote

 

 

Life Insurance

 

 

The gift of life insurance is not only for yourself but for the ones you love most.

When you are gone, make sure that all of your debts and assets are paid for and taken care of.

Provide stability for those mourning around you.

Leave enough for funeral arrangements and burial.

You might not want to think about the end quite yet, but don’t wait too long.

Being prepared for the worst is part of life.

Not only can life insurance help your family and friends carry out your wishes when it comes to funeral arrangements, schooling for children or grandchildren, and even paying off debts, it gives peace of mind.

Even though reading a policy can be intimidating, the basic facts of life insurance are pretty simple.

You pay a monthly payment to the insurance company, and if you die, the people listed to receive the money will get the payout of your total coverage amount. 

 

Here is how most people decide on cheap life insurance:

 

  • When you are ready, these are a few ways you can decide how much money you need you policy to be.
  • First, you can take your average yearly salary and times it by ten. If you make 60 thousand dollars a year gross, you will want a 600 thousand dollar policy.
  • Most policies are paid for monthly and last an average of 20 years.
  • You can also opt to have permanent life insurance.Permanent life insurance is a life insurance product that can provide life insurance protection for your entire life. Depending on the type of product or company, it can range from  coverage to age 90, 100, 121 or lifetime.
  • You can also add up all of your debts and expenses and come up with an itemized list of how much money you need to leave to loved ones. If you want to pay for someones college, this will need to be specified in a will.

Take the time to make the call and ask about life insurance.

You won’t be sorry you did!

Life Quote

 

 

Health Insurance

Health is more than just being active. It’s about getting regular check ups and seeing a specialist.

Texans love to be outside. They also love their food.

The culture in Texas tends to be one of playing hard and working harder.

So make sure that you and your family have the right health insurance to meet your needs.

The best thing to do for your health is to know about preventative medicines and care.

Costs can vary widely between plans. Talk to a broker to know more about your plans and how you can save money. 

Most of the time if you have a higher deductible, your monthly premium may be lower.

We can give you a list of options so that you can choose.

 

 

This is how health insurance works:

 

  • Healthcare costs include: doctors visits, hospital stays, surgery, procedures, home care and other treatments.
  • To qualify for government healthcare, one must meet a financial criteria.
  • In a traditional healthcare plan, the doctor is reimbursed for all or some of the patients visits by the healthcare insurance company. This gives the patient the freedom to choose their own doctor and plan. For this type of plan, there is a premium paid and usually a yearly deductible.
  • The highest amounts of money spent on healthcare are for people 60 and older.  Not only does this mean that older people need more healthcare, but that premiums are usually higher depending on someones age.
  • HMO, PPO, EPO, Point-of service plans, high-deductible health plans HDHP, and health savings accounts, are all possibilities that may work for you.

 

When life happens, make sure you are covered with the proper health care plan.

Cheap health insurance is easy to obtain.

Just get your free quote today!

 

Health Quote

 

Renters Insurance

Just because you rent, doesn’t mean you don’t love your home.

You and your family share memories there. All of your belongings are in one place, your house.

With cheap renters insurance in Texas, you can pay very little for quite a lot.

Have you ever added up the value to all of the items in your home?

I bet if you itemized things, you would be surprised.

Landlords only have an obligation to protect the structural damage and liability to the home.

That doesn’t protect your things and your own personal liability.

To be a great renter and to be prepared for anything, check out getting renters insurance.

For less than $20 a month, you could be covered!

How Do I Qualify For Renters Insurance?

 

  • Renters insurance can be very affordable. You could get coverage for as little as $12 a month!
  • You may not think anything in your house is valuable, but add it up. Most renters have over $10 thousand dollars worth of valuables.
  • You could qualify for renters insurance discounts if you take the proper safety precautions. Put in fire alarms, a front door alarm, and even an automatic spotlight in the front. Anything to deter burglaries can help you save.
  • Many people do not know that the landlord is not responsible if there is a fire or damage to the home. If your personal belongings are destroyed, it is up to you to have insurance.

 

Know the facts by calling and talking to a professional insurance broker today!

Renters Quote

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