Surfing for Cheap Car Insurance

Find The Cheap Policy OnlineThough every driver wants to spend as little as possible on insuring his car, nobody wants cheap car insurance when it comes at the expense of their coverage. Of course, the amount of coverage you need besides the mandatory bodily injury liability is very much a personal choice and depends on the car you drive, your annual mileage, your location, and the number of dependents you have. Fortunately, even if you need extensive coverage, the internet offers a great way to find cheap insurance.

Find Cheap Car Insurance at Comparison Sites
Since the first comparison sites appeared on the internet a couple of years ago, comparing auto insurance has never been easier. These sites make comparing sites easy by allowing you to fill out information about yourself and your car, and then generating a number of tailor-made quotes from a variety of insurance carriers. Once you’ve received your quotes, you’ll immediately be able to see the differences in price and coverage. This allows you to select the quote that offers you all the insurance you need at a rate you can afford… and it’s often much more affordable than what you were paying before!

The AgentInsure Difference
AgentInsure is one of the most reputable insurance comparison sites and helps thousands of consumers find cheap car insurance every week. Besides providing you with real-time car insurance quotes, AgentInsure also gives you the contact details of one or more licensed insurance agents close to you so you can discuss all of your insurance needs in person, if you prefer. Why wait? Go to AgentInsure today to get cheap car insurance quotes!

Five Factors that Affect Your Home and Auto Insurance Rates

Consider the FactorsHave you ever wondered how insurance companies determine home and auto insurance rates? Naturally, the types of coverage you have and the amount for which you’re covered play a large part, but insurance companies look at more factors than the combined costs of, for example, bodily injury liability and collision insurance. What follows are five factors that affect your home and auto insurance rates.

  1. Marital status. Whether you’re single or married plays a large part in determining your insurance rates. In general, married customers are perceived to be more stable and less of a financial risk than single people, so they get lower rates.
  2. Number of dependents. If you have a family that depends on you, you’re more likely to behave responsibly, which results in lower rates. However, you probably also want more coverage to make sure your dependents are taken care of in the event of a major accident, so that can result in higher premiums.
  3. Property value. No matter whether it’s your car or your home, its replacement value is an important factor in determining your insurance rates.
  4. Location. Where you live is important for a number of reasons: crime rates, natural disasters, and distance to fire and police stations. Obviously, the safer your location, the lower your insurance rates.
  5. Your credit score. In all but three states, insurance companies consider your credit score as an indicator of your financial responsibility. A high credit score results in much lower insurance rates.

Required Austin Car Insurance

Austin InsuranceIf you live or work in Austin, Texas, and are looking for car insurance, you may wonder exactly how much coverage you actually need. You know there is a “state minimum,” but you are concerned that it might not be enough.

Only you can decide how much insurance coverage you will need, and that will depend on a number of factors. These factors include:

  • For example, if your car is not yet paid for, the lien holder may require you have full coverage, or if you use your car for business purposes, you employer may require you to have full coverage. If it is paid for, and is an older car, you may be able to get by with just liability.
  • Texas state minimum insurance requires that you have $25,000/$50,000 in bodily injury liability and property damage liability of $25,000. Again, unless you are required by your lien holder or employer to have full coverage, this is all the auto insurance coverage you need to be considered legally covered in Austin, TX.

If you want more coverage, you can choose from several options:

  • These include coverage for injuries caused by an uninsured motorist (coverage amounts are usually $25,000/$50,000), personal injury protection (usually $2,500), and medical payments ($2,000). Remember, these are optional; they are not required coverage requirements.

The best thing to do is to first determine if you are required by any other entity except the State of Texas to have full-coverage insurance. Then, get several quotes on both full coverage and liability alone. This will help you decide how much insurance you need.

Shedding Light on Texas Car Insurance Requirements

Insight on Insurance RequirementsMany Texas residents may be confused as to exactly how much car insurance they must have. Some may believe that full coverage is necessary, no matter what the circumstances, while others are aware that there is a “state minimum,” but they are concerned as to whether or not they qualify for just the “state minimum” or if they need full coverage.

Texas Car Insurance Requirements

The only Texas car insurance requirements necessary for you to meet “state minimum” requirements is what is commonly as “liability only” insurance. Simply put, this means that you take out only enough insurance to pay for repair or replacement of another person’s car if you are at fault. (Texas is not a no-fault state; in most instances, fault will be placed—usually by law enforcement officials—on one of the drivers involved).

Liability Insurance & Medical Expenses

Additionally, liability insurance covers any medical expenses of the other party involved should there be any. Liabilities only insurance does not cover repairs to or replacement of your car, nor does it cover medical expenses if you are injured.
If your car is paid for and is an older model, and if you are not required by your employer to carry full-coverage auto insurance, you can opt for liability-only insurance coverage. The dollar amounts required for bodily injury liability are $25,000/$50,000; for property damage liability it is $25,000.

The first thing you need to do is find out for sure if you are required to have full coverage. If you aren’t, and you want to go with just “state minimum” coverage, compare rate quotes between different insurance companies to find the best price.

Texas Bodily Injury Liability Frequently Asked Questions

Queries on Bodily Injury Liability ?Texas bodily injury liability coverage can be a confusing topic. If you have recently been involved in an accident, you may have questions about what bodily injury liability involves. After the shock of the crash, your next thoughts may be “How am I going to pay for this?” Here are the answers to some frequently asked questions about bodily injury coverage.

What is Texas bodily injury liability?
Basically, this service is included in your car insurance and will cover the medical expenses if you injury someone in an auto accident.

How much auto insurance for liability do I need in Texas?
You will need $25,000 worth of coverage for one person and at least $50,000 per accident.

Do I have to carry bodily injury liability coverage?
Yes. In the state of Texas it is mandatory to carry the minimum amount of insurance if you drive a vehicle on the roadways.

What happens if I am in a car accident and I do not have bodily injury insurance?
The first and second violation will result in a fine. If you have a third offense you will probably be fined and your license will be suspended.

If I have been injured in an accident, how long do I have to file a bodily injury liability claim?
The statute of limitations in the state of Texas states that the time limit to file a claim is 2 years.

If I am in an auto accident and someone in the other car is injured, will my Texas bodily injury liability coverage take care of the expenses?
Yes. Your insurance will pay up to your policy limits for one person or the limit for the entire accident.