Buying a Car as a Present? Get the Right Auto Policy, Too

One of the best presents you can buy for a lot of people would be a car. Especially for a new driver, or someone who really needs a car but doesn’t have the funds to get one, a car can mean a huge amount of freedom that they wouldn’t otherwise have. There’s more to buying a car for a present than just picking something out, paying, and taking it home, though. Cars have to be titled and registered, and they also need to be insured. You can’t go to a dealership in Plano, TX and put a car into someone else’s name, and you generally can’t insure a car that isn’t titled to you.

So, how do you get around this issue? There are several different things you can do. You can take your gift recipient to the dealership with you to buy the car, so it can be titled to – and insured by – them. You can also put the car into your name, insure it, and then transfer title to them after you’ve unveiled your surprise. Texas gives you options when it comes to actually buying the car, and transferring a title in Plano is generally not difficult. You may have fees or taxes that will need to be paid on your gift, though, so it’s important to check that out beforehand.

If you find a personal auto policy through Allegiance Insurance Agency, your agent can help you determine the best way to insure a car that you’re going to be buying as a present. Talk to the agent before you make the purchase, so you can be sure which direction you want to take when it comes to actually buying the car and giving it to your recipient. Then you’ll make the right choice and have the right insurance, too.


Why Buy Insurance From an Independent Agency?

While some people use the internet to directly buy insurance from major companies, surveys reveal that Americans continue to prefer independent insurance agencies. This holds true for both individuals and small business owners. You can gain three major benefits by choosing to work with an independent agent in Texas:

1. Local agencies provide helpful customer service in person or by phone. They take the time to thoroughly answer questions about different insurers and coverage options. This greatly simplifies the process of signing up for insurance. On the other hand, requesting quotes or purchasing coverage on a major insurer’s website often proves complicated. Application forms frequently ask difficult questions without sufficient explanation.

2. You will probably find substantially lower rates. As the Texas Department of Insurance points out, an independent agency lets you compare quotes from several insurers at once. This also saves time because you don’t have to manually send information about your home, car or business to numerous companies. Likewise, there’s no need to spend hours searching the Internet for reputable insurers that offer the desired coverage.

3. Independent agencies give people far more options. Since they work with multiple companies, they can sell many different kinds of insurance policies. Such firms also tell customers about insurers that provide the features they seek. For example, you could ask for quotes from companies with minimum deductibles below $500 or coverage levels starting at $15,000.

Basically, independent agents often supply the most choices, the lowest rates and top-notch customer service. Consider calling Allegiance Insurance Agency when you need affordable business, medical, home, life or auto coverage. The friendly staff at this family-run company will find the right policy to suit your needs and budget. Please dial 972-424-0700 to reach our office in Plano, TX.