Driving a car is a necessity for many people. When you are looking to get a car and drive, one important thing to think about is your need for auto insurance. Having auto insurance is not only extremely important for anyone that owns a car, but it is legally required as well.
When You Want to Drive Legally
The first situation in which you will want to have auto insurance is when you want to drive your car legally. Driving a car come with a lot of responsibility and potential liability. Because of this, the state of Texas will require that you carry liability insurance coverage at all times. The state will require that you have property damage coverage of $25,000 for each accident as well as bodily injury coverage of at least $30,000 per injured person with a $60,000 per accident cap.
Another situation in which having insurance is a necessity is when it is a valuable car. If your car was expensive and is an important asset to you, getting additional collision and comprehensive insurance coverage is helpful and will provide you with coverage for a variety of other situations. This coverage will also be required if you have a loan or lease outstanding.
Since having auto insurance is so important, meeting with a professional to discuss your needs and options would be a great idea for many people. For those that are in the Richardson, TX area, visiting with the team at the Allegiance Insurance Agency could be a great first step. The team at Allegiance Insurance Agency will be able to help you to better assess your auto insurance needs and help you to pick a policy that works for you.
If you haven’t reviewed your auto insurance policy in a while, you may be unaware of gaps in your coverage. Over time, you may need to adjust your coverage to keep it up to date. By reviewing your policy with an agent from Allegiance Insurance Agency in Richardson, TX, you can determine if there are gaps in your coverage and how to correct them. Here are some areas where you may be lacking in your auto insurance policy.
Consumers who have full coverage often feel fully protected against any eventuality. If your liability limits haven’t been revised in some time, however, you could suffer loss if you’re found liable for an accident that causes severe injuries or property damage above your liability coverage. By adding umbrella insurance to your portfolio, you can increase liability coverage to $1 million or more to fully protect your assets.
Uninsured/Underinsured Motorist Coverage
Lack of uninsured/underinsured motorist coverage could put you at risk of financial loss. If you’re involved in an accident where an uninsured driver is at fault, you may wind up footing the bill for your injuries or damages. Without insurance, the at-fault driver will be incapable of assuming financial responsibility for the crash. Uninsured/underinsured motorist coverage gives you an extra layer of protection to safeguard your interests.
Collision and Comprehensive Coverage
Dropping collision or comprehensive coverage to save money on your premium could cost you more in the long run. If you’re vehicle’s damaged in a crash and you’re found at fault, you’d be responsible for repair costs. Without comprehensive coverage, you’d have to foot the bill for repairing or replacing your vehicle if it’s stolen or damaged in a storm.
At Allegiance Insurance Agency, Richardson, TX, we can help you revise your auto insurance policy to eliminate gaps, so you benefit from the maximum protection you need.
When you are looking to purchase an auto insurance policy, you may quickly find that the coverage every policy provides you is different. There are so many different coverages amounts that you may get confused and find yourself wondering how much auto coverage you need. Unfortunately, it can be tough to figure out exactly what you need. However, here is some information you should know when selecting coverage levels.
The first thing you should consider is whether you can afford to replace your car if it is damaged or in an accident. If you can’t or don’t want to pay for a new car out of pocket, you need to have full coverage. This protects your car if you cause an accident, are hit by an uninsured or underinsured driver or if your vehicle is vandalized. Also, consider how much of a deductible you can afford.
The next thing you need to keep in mind is that if you are at fault for an accident, another driver can personally come after you for anything beyond what your auto insurance policy covers. As such, you need a plan that will fully cover you and protect your assets if you are ever involved in a severe auto accident.
Determining the exact amount of auto coverage that you need can be challenging. But Allegiance Insurance Agency, serving the greater Richardson, TX area can help. Our trained professionals can take a look at your overall financial situation and auto situation and determine the best policy amounts for you. Give us a call today to get started.
If you’re looking to cut down on your auto insurance costs, there are a handful of upgrades you can perform. At Allegiance Insurance Agency, we know just how frustrating expensive insurance costs can be, which is why we want to give you a handful of pointers for lowing the insurance costs on your Plano, TX vehicle.
When buying a new vehicle, make sure it includes an alarm and security system. You might save a few dollars up front, but you’ll probably pay more in insurance. If you have an older vehicle, consider installing an alarm and security system.
Wheels are the easiest part of a vehicle to steel. An expert team can remove the wheels off of your vehicle in the amount if time it takes to walk in, order a coffee, and return to the car. Wheel locks will security the wheels in place and make it extremely difficult for anyone to remove the wheels without very special tools. Due to this, wheel locks can reduce the cost of your auto insurance.
Back Up Camera
Some technology makes your vehicle more expensive to insure. A back up camera is not one of these technologies. It greatly improves the safety of the vehicle and makes it easier to back up. If you have a larger vehicle, such as an SUV or pickup, seeing everything behind you is tricky, especially anything small. An installed back up camera can make this easier.
There are different ways you can cut down on your auto insurance costs. There are ways to do so with a few upgrades, including the ones mentioned. At Allegiance Insurance Agency, we want to help you save money on insuring your Plano, TX vehicle. So, consider making these individual upgrades whenever possible.
The beginning of the year is a popular time to purchase a vehicle. With many people receiving a tax refund from working hard throughout the year, what better way to spend it than on a vehicle? Unfortunately, it’s the one time of the year when a lot of lemons are sold. However, you can decrease your chances of purchasing a bad vehicle by following these simple tips.
Get the CarFax
Carfax reports are an industry standard these days. These reports itemize the history of a vehicle, allowing you to make an informed decision about whether you should purchase the vehicle or not. In Plano, TX, you can buy a CarFax report online for a fraction of the cost of making frequent repairs to a damaged car. At Allegiance Insurance Agency, we encourage our customers to purchase CarFax reports or other reports that highlight a vehicle’s history.
Take the Vehicle to a Reputable Mechanic for Inspection
Beyond purchasing the vehicle’s history, you should also get the vehicle checked by a professional. You can never be too sure when it comes to such a significant investment. The previous owner could have traded the vehicle because they started having problems. A licensed mechanic will help you discover any current problems with the vehicle.
Don’t Purchase a Car That’s Had Multiple Owners
Another important tip to keep in mind is to avoid vehicles that have had multiple owners. Even though the records may reflect a good history, you don’t want to take the chance on a car that’s had multiple owners. Our team at Allegiance Insurance Agency recommends limiting the number of drivers to only one.
If you are in the market to purchase a new car this year, then we have auto insurance coverage for you. With the laws of Plano, TX requiring auto insurance, we want to keep you legal. Give us a call today to get a quote for auto insurance.
Have you ever stared at the gas pump and wondered what the difference is between regular and premium fuel? Gas is gas, right? Well, that answer can go either way.
These two fuels are essentially the same for the most part. They are of the same chemical makeup and will both fuel your vehicle. The difference lies in octane levels and refinement. Premium gas is higher octane and more refined. What this means is that the premium gas has a lower pre-ignition rate. Pre-ignition is when a vehicle is high risk to ignite fuel before it is ready to be ignited. This can seriously damage motors and is not something you want to deal with, but only certain vehicles fall into the category and can avoid the situation by using premium fuel. Some vehicles call for premium because they simply operate better while burning it.
To find out if your vehicle have certain gas needs, make sure your vehicle’s manual does not specifically request premium fuel. Typically, high performance motors are most likely to encounter pre-ignition predisposition so you should definitely check your owner’s manual if this is what you own. If you have checked and no request is made for a specific fuel then you should feel free to use regular. Without a specific need for the higher octane gas your vehicle will not be effected by using one fuel or the other. It will operate and function normally with either one so you make the choice. Do you want to pay the price for a more refined fuel or save money by buying regular?
Making the decision of which fuel to use is only one of the many choices you will make over the life of your vehicle. When you are thinking over some of those bigger decisions, all of us at Allegiance Insurance Agency want to help all of you in Plano, Texas. Call us anytime you have a question and one of our friendly and knowledgeable agents will help guide with whatever you are dealing with!
Car accidents can be dangerous, expensive, and sometimes deadly. Unfortunately, many scammers are out there to take your money by staging accidents. These drivers may claim injuries that you will have to pay for as well as car damages. Being aware and knowing what to look for can go a long way in understanding how to avoid accident scams.
The Courtesy Wave
You put on your turn signal to indicate that you would like to move into the adjacent lane. A driver in that lane waves you in. As you move over, the driver speeds up to cause an accident. When the police arrive, he proceeds to tell them that he never gave you a courtesy wave and the accident becomes your fault. You will probably receive a ticket for reckless driving and your insurance rates may increase.
The Brake Slammers
All of a sudden, the person in front of you slams on their brakes. The traffic is light and there wasn’t a dog that ran into the road. They just stop so you had no choice except to ram into their vehicle. Without a doubt, the police will cite you, not them. To avoid this situation make sure that there is adequate space between you and the vehicle in front of you, preferable one car length.
The Swoop and Stop
A car will swoop in front of you and stop suddenly. A collaborator will pull next to you, so that you cannot swerve out of the way. This causes you to bump their vehicle. When the police are called the witness, or collaborator, would say that it was completely your fault. In this case, it is wise to be alert for drivers who are behaving recklessly by wandering in and out of lanes and stopping without warning.
Visit Alliance Insurance Services in Fort Collins, Colorado. They are an independent agency that offers quotes for many different policies, including home, auto, and business insurance. Alliance Insurance Services agents can help you acquire new coverage or talk with you about your existing policy.
Unfortunately, people use accidents as prime times to earn cash. You can take necessary steps to prevent this, but you have to know exactly how to, or you could find yourself doing more than just playing the victim.
1. Talk to Witnesses
The cops aren’t the only ones who can get statements. If you don’t call the cops, or even if you do, get a statement from as many witnesses as possible. When you speak with them, get their statement as well as all of their information in case you need to call upon them for insurance purposes or to defend you in the event the accident goes to court.
2. Call the Cops
This might seem like a step you don’t want to take, but it has the potential to work out in your favor. The cop can act as a witness to state that certain injuries weren’t possible from the accident. It’s not necessary to call the cops when a small accident occurs, but just because the accident is little, doesn’t mean it doesn’t have the potential to escalate. It’s necessary by law to contact the police if the estimated damage is more than $1,000.
3. Drive Safely
When you’re on the road, leave plenty of room between you and the car in front of you. This makes it so another driver can’t purposely stop in front of you abruptly, cause an accident and then sue you. The person might be doing this to claim you caused back or neck injuries that are hard to depute.
Driving safely and making sure you have statements of people from the accident will help you prevent fraud. You can make sure to protect yourself further by having the correct amount of insurance by contacting Allegiance Insurance Agency for a quote.
When it comes to saving money on your vehicle, one of the first things you need to think about is how you can save money when traveling down the rode. This of course starts with making sure you are saving as much as possible when on your gas mileage. Here’s a quick look at the top tips you can follow to ensure your gas mileage is as efficient as possible.
Make sure to perform regular maintenance
Performing regular maintenance is essential to the overall life of your car. With regular maintenance, you will have a smoother ride, and more importantly, you’ll enjoy better gas mileage. Even if you are already getting decent mileage, regular maintenance will boost the mileage so that you can save money. So although you might think investing in regular maintenance to be costly, it can actually save money over the life of your car.
Be easy on the gas and brakes
Another simple tip that you’ll want to follow is being ‘easy’ on the gas and brakes. This means you’ll want to perform easy takeoffs when first pushing on the gas, and even easier braking when coming to a stop or slowing down.
If you would like to learn more about saving gas mileage, whether it be on a road trip or to the office right down the road, then please contact a qualified agent working at the Allegiance Insurance Agency today. Not only will you learn how to increase your case mileage, but you’ll also be able to compare your current insurance policy with those that are currently available, meaning you might be able to save money on your next month’s premium.
People will unfortunately do the wrong thing from time to time, and fender bender fraud can happen to anyone. In Plano, TX, you need to be prepared for as much as possible on the road, so we’ll give you a few ways you can prevent fraud from taking over your life.
Even if you think think there was no damage and the other party states they’re fine. People change their minds quickly once they realize there could be money involved. Take pictures of your car, the property around it, the other person’s car, their drivers license and make sure everything is time stamped. It’s unlikely you’ll need all that evidence, but having it makes you prepared for the worst.
Get It In Writing
You may be reluctant to call the police, but it can really help to have someone else state what happened who has no stake in the game. This can be helpful if anything goes to court, or should you need additional documentation for your insurance.
The Truth Shall Set You Free
You might be surprised to know that the truth actually is powerful when it comes to fender bender fraud. Courts and insurance agencies see enough of it to generally know when someone’s story checks out and when it sounds fishy. Just stay consistent, and don’t panic if the other party is telling outright lies about what happened. You were there, so just recount it all as best as possible.
Coverage for Fraud
Allegiance Insurance Agency knows that Plano, TX might see fender bender fraud from time to time, and they’re here to help get drivers policies for whatever may happen. Call us if you need a quote to see how we can help you too.