Why You Need Auto Insurance in Texas

The state of Texas is well known for being an enormous place with a variety of quickly growing cities. For those that are in the Dallas or Ft. Worth, TX area, the size of the Metroplex makes it a practical necessity to own a car. If you are thinking about buying a new or used car, you also need to consider your auto insurance needs carefully. There are several reasons why you may need to get an auto insurance policy in Texas.

Ensures Legal Compliance

One reason why you should always have auto insurance when you are driving a car in Texas is that it will ensure that you comply with state auto insurance requirements. All drivers in Texas are mandated to have a minimum level of auto liability coverage. This will ensure that they can pay restitution if they are at fault in an accident. Those that are caught driving without it could face stiff penalties.

Lender Requirements

While it is not required by law, anyone that has an auto loan will also need to have collision and comprehensive insurance at all times. This type of insurance can protect you against many different situations that could cause a loss. This could include protection against theft, vandalism, and even accident damage. Since the lender wants to make sure that their collateral is protected, the loan agreement will require that you carry this insurance. 

Getting auto insurance is a necessity for drivers in the Ft. Worth, TX area. To make sure that you get an excellent policy, you should work with Main Street Independent Insurance for your insurance needs. Main Street Independent Insurance will work with you to make sure that you know all of your options and are able to get a quote easily.

4 Tips to Prevent Car Theft

Having your car stolen, vandalized, or burglarized is not something you want to discover. However, car theft is a real risk in Ft. Worth, TX. For that reason, you should take some preventative measures to keep your vehicle safe. At Main Street Independent Insurance Agencies Inc. we put together four tips that will help prevent your car from being stolen, vandalized, or burglarized. Keep reading.

1. Never Leave Valuables in Your Car

A purse. A cell phone. Cash. Never leave items like these in your car. Would-be thieves will not hesitate to bust a window or pick a lock if they see a prize inside. If you must leave some valuables behind, always lock it in the trunk. 

2. Secure Your Vehicle

Keep your vehicle locked at all times. Whether you’re out shopping, at a friends house, at work, or parked right in front of your own home, always keep your car locked. Also, install an alarm system to deter thieves from breaking into your car and stealing items or the car itself. 

3. Park Smart

Wherever you go, park smart. This means park in well-lit areas at night, utilize secure parking garages in big cities, and park close to other cars and areas where there are people and things going on. 

4. Never Leave Your Car Running

Even if you have to run into the store or house for just two seconds, never leave your car running. Instead, follow the rules above. Turn off the car, make sure valuables are unseen, and lock the car before you go inside.

To learn more about protecting your vehicle from theft, contact the friendly agents at Main Street Independent Insurance Agencies Inc. serving the Ft. Worth, TX area. Our friendly team will answer all your questions and help you find an auto policy for your needs.

Ways to Lower Your Auto Insurance Premiums

One of the best ways to lower your auto insurance cost in Ft. Worth, TX is to have a good driving record, but there can also be other things to do to lower your premium.

Consider Your Vehicle: Before you purchase a used or new car, look into the insurance cost. Insurance premiums factor in the cost to repair it, the likelihood of theft, and the overall safety record. You may also get discounts for features that can reduce theft or risk of injury.

Ask for a Higher Deductible: A deductible is what you pay when you file a claim before your insurance kicks in. A higher deductible can lower your premium. Keep in mind you will have to pay your deductible if you use the insurance, so it should still be something you can afford.

Lower Coverage on Older Cars: You may want to drop collision and comprehensive coverage on older cars. If the car is worth less than 10 times the premium, the coverage may not be effective. You can look up the value of your car online and be sure to review your coverage to make sure your needs haven’t changed.

Multiple Policy Discounts: Ask your agent at Main Street Independent Insurance Agencies Inc. if getting your home and auto coverage together can give you a break.

Have a Good Credit Record: A solid credit history can help reduce your insurance cost. Many insurers use credit information to price out policies. Studies show that those who do a better job at maintaining their credit have lower claims. To help your credit score, pay bills on time and keep your balances low.

Low Mileage Discounts: See if you can get a low mileage discount if you drive fewer than the average number of miles per year.

Contact Main Street Independent Insurance Agencies Inc. serving Ft. Worth, TX, to get a quote on auto insurance. 

Is having auto insurance always a necessity?

Driving a car is a necessity for many people in the Ft. Worth, TX area. Most people that drive a car in this area are aware that they will need to have auto insurance in place at all times while they are driving. However, there are situations in which you do not necessarily need to have auto insurance on your car.

You Won’t Drive It

One situation in which you will not need to have car insurance in place is if you do not plan on driving your car. If you plan on having a car that will simply sit in your garage or sit in a storage unit, you do not necessarily need to have the minimum liability coverage. However, if you cancel car insurance when your vehicle is in storage, you could create a gap in your insurance history and will not have any coverage if the vehicle is damaged. Further, if you do take the car out of storage, you need to make sure that you have liability coverage in place the second it hits the road. 

No Loan on the Vehicle

Another situation where you may not need auto insurance is if you do not have a loan. If you have a car that is going to simply sit in storage and is not collateral for any type of loan, there will not be a loan agreement that will require you to carry insurance. 

If you have a car in the Ft. Worth, TX area, the team at Main Street Independent Insurance will be able to help you to get a reliable insurance policy. When you meet with the team at Main Street Independent Insurance, you will receive help in picking a policy that provides you with the right level of protection. We also serve residents in Colorado as well.

5 Mistakes to Avoid When Getting Auto Insurance

Many car owners make the mistake of choosing the cheapest car insurance policy without truly considering the coverage it provides. When an accident happens, they discover they weren’t as protected as they thought. By being careful in your choice of car insurance, you can avoid the following mistakes and get the quality coverage you desire.

Not Comparing Policies or Researching Companies  

Comparison shopping for auto insurance may take time, but it will save you money in the long run. It will also help you find a reliable company to work with for your coverage. By researching both policies and insurers, you can get the best deal overall. 

Not Knowing Minimum Requirements

All states have minimum car insurance requirements. When purchasing car insurance, Texas auto owners should make sure they are fulfilling these requirements.   

Compromising Coverage for Costs

Car insurance should provide you with the protection you need to cover the costs of an accident. If you compromise coverage for low insurance cost, you could wind up paying thousands of dollars for damages out of pocket. At Main Street Independent Insurance in Ft. Worth, TX, we can help you get essential insurance coverage at reasonable costs.

Not Exploring Discounts

Most insurers offer discounts on car insurance coverage. By taking the time to explore these discounts, you can save substantially on your policy. If you have a safe driving record, have safety features on your vehicle, or bundle home and auto coverage, for example, you could qualify for a discount on your policy.

Getting Needless Coverage

Many auto insurance policies come with add-ons that aren’t really useful to your coverage. Eliminating these add-ons can save you money on your premium.

For more information on auto insurance coverage and costs, contact Main Street Independent Insurance in Ft. Worth, TX.

Protection Again Uninsured Drivers in Texas

Drivers in Ft. Worth, TX and around the state are required to have automobile insurance before they get on highways and interstates of the Lone Star State. Many people drive without insurance. If one of them hits you, will your insurance cover the damages to your car or your personal injuries? The same can be asked about hit-and-run drivers.

Ask your representative at Main Street Independent Insurance whether you should include coverage for uninsured or underinsured drivers your auto insurance policy.

Uninsured/Underinsured Motorist Coverage

Under Texas law, you can buy additional coverage that pays for damages and injuries due to an accident caused by uninsured and underinsured motorists. Optional coverage means that you don’t have to include this part of your regular insurance policy. However, you must put it in writing that you refused the coverage.

This type of coverage protects your family members and other passengers inside your vehicle at the time of an accident. It also includes anyone driving your vehicle with your permission.

This versatile policy covers medical or funeral expenses, car rental, auto repairs, and the replacement of a vehicle if necessary. Ask your agent if you should include the following in your uninsured motorist coverage:

  • Lost wages
  • Pain and suffering
  • Disfigurement, and disability (up to your policy’s maximum)

Contact Us

You work too hard for your money to let someone else’s irresponsible actions put you at risk. Contact your representative at Main Street Independent Insurance to discuss your uninsured or underinsured insurance options. Feel free to make an appointment for a quote at our Ft. Worth, TX office. If you have any questions about auto or other types of insurance, call us at 855-662-6246 today.

 

Can You Change Auto Coverage at Any Time?

Auto coverage is something that is not only required by law, but that is also simply a good idea. For those that do have auto insurance, it can be difficult to determine when you can change coverage and what type of coverage you may need to change. When you take out an initial auto policy, you tailor it to the specifics of your car. You can change coverage whenever necessary. Main Street Independent Insurance in the Ft. Worth, TX area can help you find the coverage you need every time.

There is no set limit or time frame that applies to when you can change the coverage that you hold on your car. As long as it meets the minimum requirement that is required by your state and where you live, you can change your coverage whenever you want to. This means that if you find you need more or less coverage and you have only had your policy for a few months, you can certainly change it to better fit your car that is being covered.

If you need less coverage, you can always change it by contacting your insurance agent. It is important that you keep your coverage in line with the minimum requirements of your state or area. You can change or drop coverage and switch to a new policy or a new company at any time. It is required, however, that as long as a car is on the road, it must be insured so you should take the time to make sure you always have coverage and that it meets the minimum requirement.

For those in the Ft. Worth, TX area, the agents with Main Street Independent Insurance can help. Reach out to our offices to speak with an agent and learn more about how an auto insurance policy can benefit you.

Factors to Consider When Getting Auto Insurance

One of the most significant assets that most people own is their car. For those that are in the Ft. Worth, TX area, having a good insurance policy in place is very important. But several factors should be considered when getting a new insurance policy.  

Minimum Requirements

When you are looking to build a new auto insurance policy, the first factor that you should consider is what the minimum requirements are for coverage. Similar to other states, Texas requires that all drivers carry minimum levels of liability insurance coverage. The State of Texas requires all drivers to comply with the 30/60/25 coverage law. This means that you will be required to carry liability bodily injury coverage of $30,000 per person and $60,000 per incident plus property damage of $25,000 per accident. 

Collision and Comprehensive

As you are looking for a new auto insurance policy, you will also need to consider whether you should get collision and comprehensive insurance coverage. Collision insurance coverage will provide you with coverage to your vehicle in the event you are found at fault in an accident or if the other driver that is at fault does not have coverage.  

Comprehensive coverage will provide you with a wide range of coverage types including coverage if your car is stolen, vandalized, damaged due to weather, or if you are involved in an accident with an animal. Both collision and comprehensive coverage are typically required by auto lenders and it would be a good idea if you cannot afford to replace your vehicle.  

When looking for a new auto insurance policy in the Ft. Worth, TX area, reaching out to Main Street Independent Insurance would be beneficial. Main Street Independent Insurance is a leading consumer insurance agency and can help get you into a policy that provides you with the necessary coverage. Reach out to our agents for more information.

The Importance of Taking Photos After a Car Accident

At Main Street Independent Insurance, serving the Ft. Worth, TX area, we highly recommend that you take photographs after a car accident. However, you may not understand why this is recommended. Here are a few of the reasons why we recommend you take photos immediately after a car accident. 

Helps Show the Damage Done

Following a car accident, some people claim more damage was done to their car than what was really done. When you take photographs of both your car and the other car, you are able to document the exact condition of both cars. This helps to ensure you are not required to pay for damage that is not there or could not have been caused by your accident. 

Can Show the Reason for the Accident

In some cases, there are extenuating circumstances that caused the accident. The road may be icy, in poor condition, or trees may have been blocking a stop sign. After a car accident, be sure to take pictures to document exactly what caused the accident and why it may not have been your fault. 

May Help Prove Fault

The last reason you should take photographs of the accident scene is that it may help to prove fault. In some cases, it comes down to your word against the other drivers if there is no proof of who was at fault. But pictures may show who was at fault based on the final position of the cars. Taking photos may help you to prove that you were not at fault. 

Following a car accident, your current insurance company may try to raise your auto insurance rates. If they do, take the time to shop around. Here at Main Street Independent Insurance, serving the Ft. Worth, TX area, we are committed to providing reliable insurance for all drivers. Call us today for a quote or try our online rating tool.