If I Buy a New Car Will My Insurance Policy Cover It?

The joy of getting a new car in Richardson, TX is like no other. However, owning a vehicle comes with responsibilities, including ensuring your current insurance coverage gets transferred to the new vehicle. The biggest question many new car buyers have is, “Will my insurance cover my new car?” Please continue reading to answer that question and then call us at Allegiance Insurance Agency with any additional questions. 

Is My New Car Covered?

If you get a new car, your existing auto insurance will automatically cover it. However, the coverage you have on the new vehicle depends upon whether the car is a second car or a replacement car. If it is an additional car, you receive the same coverage as the car on your policy with the most coverage. However, if it is a replacement car, you will receive the same coverage as the car it is replacing. 

It is recommended you contact your insurance agency as soon as possible to update your policy to include the new vehicle. 

How Long Is My New Car Covered?

Typically, you have four days to notify your insurance agent about your new car purchase. If you know you plan to purchase a vehicle, it is best to contact your insurance company before you go shopping to verify your policy’s details and ensure your new car is covered. 

I Bought My First Car — Do I Need Coverage Before I Purchase It? 

If you purchase a car and do not have any existing car insurance policies, you must obtain car insurance before buying the vehicle. 

When you buy your new car in Richardson, TX, we will be here to help get you insurance coverage. Call our agents at Allegiance Insurance Agency today for additional information about car insurance and if your new car is covered under your current policy. 

What Are the Auto Insurance State Minimums for Texas?

As a Texas driver, it’s your responsibility to meet the minimum state auto insurance requirements to legally drive in Texas. Our team at Allegiance Insurance Agency of Richardson, TX is committed to ensuring that Texas drivers know what’s required to legally drive within the state of Texas.

Texas State Minimums for Auto Insurance

According to Texas law, all Texas drivers must carry auto liability insurance. Auto liability insurance includes bodily injury, property damage, and personal injury protection coverage. The bodily injury liability coverage requires that Texas drivers carry at least $30,000 per person and $60,000 per accident. Property damage liability requirements must be a minimum of $25,000 per accident. Personal injury protection coverage or PIP is $2,500 but can be rejected. It’s optional. 

Auto Liability Insurance

Auto liability insurance provides protection and coverage for other drivers on the road. This insurance is designed to provide compensation to other drivers for bodily injury as well as property damage in accidents where you are found to be at fault. This insurance prevents you from having to cover the full cost of property or medical damage to others if you are at fault. Of course, it also o9edrers medical bills and helps to pay for damage to other people’s vehicles and property. Liability insurance may also cover lost wages as well. Everyone benefits from auto liability insurance. The coverage protects both the driver as well as other motorists. Our team at  Allegiance Insurance Agency of Richardson, TX understands the benefit and necessity of carrying auto liability insurance. We’re here to educate, inform, and guide the auto insurance process. We can answer questions and make recommendations to help fit your unique situation. Give us a call. We’re here for you. Our job is to educate you and meet your insurance needs.

Why should I get auto insurance in Richardson?

In the Richardson, TX area, people will have a lot of different professional opportunities and recreational activities that they can take advantage of. If you are going to move here, owning a car will make it a lot easier to get around to enjoy all of the amenities. When you are searching for a new policy here, you should carefully assess your insurance needs. There are several reasons why you should get an auto insurance policy when you own a car here.

Insurance Will be Required 

One reason that you should get auto insurance here is that it will likely be a requirement for you. Anyone that wants to drive their cars on a road in Texas will be required to have liability auto insurance. With this form of auto insurance, you will have the protection to pay for any damages you cause in an accident. Also, if you have taken out a loan or lease to get the car, the financier will likely have auto insurance requirements that you need to meet.

Insurance Protects Assets

Additionally, you will want to have auto insurance because it can protect your asset. Buying a car is a big purchase and investment that you need to carefully protect. A great way that you can protect this asset is by getting a full auto insurance policy. If you have full coverage, you will receive protection against a variety of risks including theft and accident damage.

When you are going to get auto insurance in Richardson, TX, you should call the Allegiance Insurance Agency. The team at the Allegiance Insurance Agency knows how important your choice is when it comes to picking a new policy. They will be able to assess by giving guidance to help you choose the right policy that meets your coverage needs. 

5 Tips for Driving Safely During Summer Road Trips

A family road trip can be the highlight of your summer. As Texas highways can be quite crowded during the summer, it’s important to practice safe driving habits. These road trip safety tips from Allegiance Insurance Agency can help prevent mishaps that can derail your travels.

Service Your Vehicle

Have your car serviced before traveling to avoid breakdowns far from home. Ask your mechanic to do a thorough checkup to include fluids, battery, brakes, and tires. You should also inspect your signals, wipers and lights before leaving your home in Richardson, TX and getting out on the open highway.

Pack an Emergency Road Kit

You should always pack an emergency road kit for long-distance travel. In addition to a reliable cellphone and charger, your kit should have a first aid kit, flashlight with batteries, jumper cables, flares, basic tools, healthy snacks, drinking water, and blankets.

Stay Vigilant

Road trips can take a lot out of a driver, especially when kids are in the car. Make sure to take regular breaks to stretch your legs, get a bite to eat or grab a cup of coffee. You can also use your breaks to text friends or return calls that came in while you were driving.

Be Mindful of Others

Summer weather in Texas appeals to everyone from pedestrians to motorcyclists to RV drivers. When traveling through small towns, be mindful of others. Stay within speed limits, leave plenty of space between you and other drivers, yield to pedestrians, and always signal when changing lanes to avoid accidents.  

Update Your Auto Insurance

Update your auto insurance to keep it current and relevant to your driving lifestyle. Quality auto coverage will take the stress out of summer driving. To purchase the auto policy you need in Richardson, TX, contact Allegiance Insurance Agency.  

Questions To Ask Yourself When Shopping For Auto Insurance

If you are a car owner, one of the most important things you should have is auto insurance. It protects you and your vehicle from the costs resulting from property damages and injuries in case of an accident. It also gives you peace of mind by letting you enjoy your car ownership. Finding proper auto insurance coverage might be a challenging and time-consuming process. In order to make the right choice, there are several questions you should ask yourself. 

What Type of Coverage Do I need? 

Do some research and decide what exactly you want before contacting and insurance agency and talking to its agent. Figure out what type of coverage will better fit your needs and budget, so you will not feel pressured when discussing the options with the insurance agency. 

What Deductible Should I Choose? 

A deductible is an amount that you, as a car owner, will have to pay out of pocket before your insurance starts covering the expenses. The lower the deductible is, the higher your insurance policy will cost.

How Often Do I Drive? 

Do you drive 100, 500, or 1,000 miles per month? The mileage is one of the most important things to consider when shopping for auto insurance. If you do not drive much, it might be worth getting a mileage-based type of insurance to save money. 

Where Do I Park My Car?

Your address has an impact on the cost of auto insurance. For example, if you park your vehicle on a street or in front of your porch, you face a higher risk of vandalism or theft, which will increase the cost of your insurance. Moving to a safe suburb in Richardson, TX will significantly decrease the premium costs. 

If you have already answered these questions and are ready to get auto insurance for your vehicle, our agents from Allegiance Insurance Agency serving Richardson, TX are ready to assist you. Call Allegiance Insurance Agency today to learn more about the policies available. 

Does My Car Insurance Cover Hail Damage?

Bad storms can bring high winds and hail to the Richardson, TX area. If your car is setting outside, hail damage can be costly to repair. The agents at Allegiance Insurance Agency can discuss your policy options with you to ensure you get the coverage you need. It’s important to know what type of insurance coverage you need to cover hail damage and the cost to repair it. 

Comprehensive Coverage

A comprehensive insurance policy will cover hail damage as well as most other types of damage. It also covers vandalism, theft, and flood damage. This type of policy is a must if your vehicle still has a banknote attached to it. Most lending institutions require you to carry comprehensive coverage for as long as you are making payments. Once your car is paid off, you have the option to drop your coverage to collision or PL/PD.

What Does Collision Coverage?

Unlike comprehensive coverage, collision insurance will only cover damage to your vehicle that is a result of a collision or crash. It will not cover any type of weather-related damage. Collision is much cheaper than a comprehensive policy and is a popular choice for individuals who have recently paid their car off and are looking to reduce their premiums. 

If you live in the Richardson, TX area and have questions about what each type of auto insurance covers, contact the agents at Allegiance Insurance Agency. They have the answers you need and will go over all of the options with you. They can help you decide which policy best suits your needs. Call and talk to them today so you can schedule an evaluation of your existing policy.

When Do You Need an Auto Insurance Review?

It is a good idea to make sure you have adequate insurance protection to conduct a regular annual auto insurance review. Life changes of certain kinds and changes to your vehicle(s) are also a good time to have an auto insurance review. Talk to your agent at Allegiance Insurance Agency, serving Richardson, TX and the nearby area, when any insurance adjustments may be needed.

Changes that Affect Auto Insurance

Here are some changes that are good reasons for an auto insurance review:

Moving

Let your agent know if you are planning a move.

Marriage and Divorce

Getting married or divorced usually means changing the authorized drivers on the auto insurance policies.

Getting a New Job

If your new job adds to your commute distance, then this is something you want to tell your agent.

Changing Where a Vehicle is Parked

If you change where the vehicle is parked, for example, putting it in a secured garage instead of parking it on the street, let your agent know.

Letting Another Driver Use the Vehicle

If you allow another driver to use your vehicle, then ask your agent about adding them as an authorized driver.

Vehicle Improvements

Examples of improvements that warrant an insurance upgrade include custom work done on a vehicle, such as a new custom paint job. Also, installing new equipment, such as an expensive stereo system, a GPS device, an alarm, an anti-theft device, or adding a hitch to pull a trailer.

If you are going to pull a trailer be sure to let the agent know and discuss the value of what you will be pulling so that the protection for that item, such as a boat, can be put into place as well.

Changing Vehicle Usage

If you start using your vehicle for carpooling or work-for-hire, you will want to adjust the auto insurance to change it to a commercial policy to provide protection for the passengers and the new use.

Selling the Vehicle

Make sure the title is changed to the new owner before canceling your auto insurance to make sure there is no gap in insurance coverage. If you have any of these changes or others contact your agent at Allegiance Insurance Agency in Richardson, TX.

Does Auto Insurance Cover Hospitalization?

Auto insurance is something that it not only necessary, it is required. This is a fantastic coverage that helps to keep you covered and safe every time you set out in your car or in the car of others. It does cover a wide range of different issues and helps you get back to being healthy and feeling great, even after a serious accident. For those that live in the Richardson, TX area, the agents with Allegiance Insurance Agency can help you to find the coverage you want and need.

For the most part, your auto insurance is going to cover a range of different medical procedures that are the result of an auto accident. This means that you are going to be able to use your auto insurance to cover some of the cost associated with an auto accident. If you are hospitalized, however, the insurance coverage does change a bit. Your auto insurance may help cover your deductible for your health insurance, but when it comes to the point that you are hospitalized due to an accident, generally your health insurance would take over in terms of coverage for the hospital stay.

In cases where you are found to not be at fault for the accident, you may be able to go after the insurance of the other driver to help cover your deductible for your health insurance so that you can then get the treatment you need for less money. Your auto insurance is going to cover a great deal but you may also need to work with your health insurance to cover the cost of your treatment and of getting back to feeling good. For those that live in the Richardson, TX area, the agents with Allegiance insurance agency can help you find the coverage that works best for you.  

When to Bundle Auto Insurance for Your Family

As your Richardson, TX family matures and grows older, your children will start driving cars. We at Allegiance Insurance Agency suggest that you bundle your auto insurance policies with those of your children to create lower premiums and maximum protection.

Teen Drivers May Have Trouble With Insurance

Teenage drivers have typically been considered a higher risk to insure because they are newer drivers and may behave in dangerous ways when on the road. Therefore, you can expect much higher premiums for your teens than you would for yourself because you have a history of skilled driving.

However, teens also experience complications such as difficulties finding comprehensive coverage and limitations on what kind of policies that they can buy. Teen drivers may find it hard to either pay for these rates or parents may struggle to justify paying them for the teen.

Bundled Policies Provide Many Benefits

When you bundle your policies together as a family, you provide many benefits. First of all, you’ll create a simpler-to-pay lump payment that makes it easier for your family to pay on time. Just as importantly, you can help your teen out in many ways.

For example, teens on a bundled policy with their parents will save money and be open to more high-quality insurance policies. Work something out with your teen, where they pay you their share of the policy every month, and you can save together as a family.

Consider Bundling Your Policies

As you can see, bundling your family’s policies together can help to streamline the situation and decrease your premiums. So if you live in Richardson, TX and want high-quality auto insurance for your family, please contact us at Allegiance Insurance Agency right away to set up a bundle that will protect your family.

When Will Auto Insurance Be a Necessity?

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.

Valuable Car 

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.