Finding a Policy for a New Driver That Fits Their Needs

Our team at All-Tex Insurance can help residents in Granbury, TX, find high-quality policy options. This support is even more important if you or your teen are a first-time driver. Here’s what you need to know about factors that affect policies and how to mitigate them.

Factors That Affect Policies 

When buying insurance as a first-time driver, you need to pay close attention to the following issues to ensure that you understand why your coverage might seem so high at first:

  • Age: Drivers under 29 often get charged far more or have fewer insurance policies available.
  • Vehicle: Depending on your new car, you might get charged more or require specific policy types.
  • Credit Score: Teens likely have little to no credit score, which affects their insurance. 
  • Gender: Though potentially unfair, male drivers often get charged more than female drivers.
  • Mileage: Cars with high mileage typically need a more expensive policy. 
  • Coverage Types: Depending on your policy, costs and coverage may vary.

Tips for Better Coverage 

Follow these tips to get lower coverage costs and to mitigate your expenses:

  • Bundle Policies: Often, insurance companies provide discounts when teens stay on their parent’s policy.
  • Shopping Around: Spend time seeking different providers and policies to get your needs.
  • Balance Purchase Budget: A lower-cost care is often far easier to insure. 
  • Choose a High Deductible: You can cut back on insurance premiums by raising the deductible. 
  • Pay Upfront: Insurance companies prefer you to pay for your policy in one lump package.

Find a Great Policy

If you’re ready to buy an excellent car insurance policy as a first-time driver or need to help your teen in this search, contact us at All-Tex Insurance, as we serve the Granbury, TX, area. We’ll sit down with you and your teen, discuss what kind of support you need, and ensure you get insured.

Safety Tips For Driving in the Rain

Driving in the rain can be challenging and potentially dangerous because wet roads diminish both traction (i.e., your ability to control the vehicle) as well as visibility. To help ensure you drive safely in the rain, All-Tex Insurance in Granbury, TX offers these helpful suggestions.

Safety Tips For Driving in the Rain

In addition to checking your tires, giving yourself extra time, avoiding cruise control, and staying alert/focused, consider these helpful safety tips for driving in the rain –

Slow Down

While it may seem obvious to most, reducing your speed when driving on wet roads is essential, as this offers two benefits – more control and an increased reaction time in the event of a hazard or danger.  

Increase Following Distance

To avoid a rear-end collision, leave more room between your car and the one you are following because the wet conditions require additional braking distance.  

Turn On Headlights

Visibility is crucial for any driver, but especially important when raining. Low beams are best as this enhances visibility without creating dangerous glare.

Defog Your Windows & Windshield.

Rain and the added moisture/humidity causes fogged window, further reducing visibility. Most cars have defogger/AC settings that help.  

Be Cautious of Hydroplaning

When tires lose contact with the road – because of water on the pavement – it is known as hydroplaning. Avoid sudden braking/accelerating, and try to follow the tracks of the car you are following. If you hydroplane, ease off the gas, and maintain a firm grasp of the steering wheel.

If you live or work in the greater Granbury, TX area, and would like additional information regarding how to protect yourself and your vehicle, contact the insurance professionals of All-Tex Insurance.

Why should i get an auto insurance plan in Texas?

Anyone that resides in the Granbury, TX area will find that it can be much easier if you have access to a car. With a vehicle, you will be able to get around the area more efficiently and safely. While there are benefits that come with having a car, it is important to recognize all responsibilities as well. One task that you need to take seriously is your need to get insurance.

You will need an auto insurance plan for many reasons:

Comply with Obligations

A reason that many people will need to get an auto insurance plan is so they can comply with their obligations. If you are going to buy a car here, you may take out a loan as well. In these situations, your lender will require that you carry insurance until the loan is repaid. Further, all drivers in Texas are required by the law to carry liability insurance. 

Financial Coverage

It is also a good idea to get an auto insurance plan to receive financial coverage. A quality auto insurance plan offers various forms of financial protection. If your car is stolen or damaged, a full plan will give you the financial resources to repair or replace it. You will also receive the financial resources you need to cover damage that you could cause during an accident. 

Give Us A Call

It is always a good idea to get an auto insurance plan when you are in the Granbury, TX area. When you are looking for insurance in this region, calling our team with All-Tex Insurance is advantageous. Our professionals with All-Tex Insurance will help you assess all of your options and needs. This will ensure you are appropriately covered and comfortable that you have support from our team when you need it. 

Driving Without Insurance is Against the Law – Get Auto Insurance!

Only two states in the country do not require car insurance. Unless you live in Virginia or New Hampshire, you need it. If you live in or near the Granbury, TX area, All-Tex Insurance can help you.

Auto insurance provides financial protection. If you are at fault in an accident, you could be held responsible for associated costs.

Types of Auto Insurance

Liability coverage helps pay for the legal costs, the injured party’s medical costs, or their lost wages if they are unable to work. It also provides coverage if you cause damage to their vehicle.

Collision coverage protects your car if you hit another vehicle or object.

Comprehensive coverage will protect your car against unexpected damage such as hitting an animal or a tree branch falling on it.

Uninsured/underinsured motorist is protection for when a driver hits you and they do not have auto insurance or very little of it.

Personal injury protection covers your medical bills and those of your passengers, regardless of who is at fault.

Each state mandates different types of insurance coverage. There are several additional options available, such as gap insurance, which covers the difference between what your car is worth and the amount you owe for it. Most basic car insurance policies include bodily injury liability, PIP, or personal injury protection, property damage liability, collision, comprehensive, and uninsured/underinsured motorist.

Get Auto Insurance Today

So, unless you are a resident of New Hampshire or Virginia, make sure you are obeying the law by having car insurance. You risk your financial future without it.

If you are a resident of Granbury, TX, contact the specialists at All-Tex Insurance today to receive a no-obligation quote or answers to any questions you may have. You will be glad you did.

What Is The Difference Between Liability And Full Coverage Auto Insurance?

Liability coverage can be thought of as the minimum amount of coverage that you must purchase to drive legally in the United States. Full coverage, on the other hand, typically includes liability coverage as well as other types of coverage such as comprehensive, medical, and bodily injury coverage. Consult with All-Tex Insurance in Granbury, TX for expert insurance advice.

More on Liability and Full Coverage Auto Insurance 

Liability coverage only protects you from financial responsibility if you cause an accident. Let’s say that if you’re driving to work and rear-end a car at a stoplight, the other driver will likely want to be compensated for the damages to their car. If they’re hurt they may want compensation for medical bills. These expenditures will be partially covered by liability coverage. 

Full coverage protects you against legal responsibility as well as material damage to your vehicle. Your liability insurance will pay for any damages you make to another person or their property, regardless of the person at fault. 

Full coverage or “all hazard” coverage includes liability coverage and often comes with additional cost. It may include things like emergency medical expenses, towing and rental car expenses, or a hotel stay if you’re repairing the car. 

Some full coverage policies include things like trip interruption coverage, or even lost wages if you are unable to work because of an accident. These benefits are often only available if you purchase them as an add-on to your policy. 

Give Us A Call

Full coverage auto insurance includes liability coverage, but it also includes coverage for things like towing, rental car, and medical expenses if you are in an accident that wasn’t your fault. 

Many experts recommend that you have at least liability coverage on your policy, but it’s especially important if your car has high value or you have family members riding in it. You can usually increase your liability limits for a small monthly premium. Get expert insurance advice by contacting our agents at All-Tex Insurance in Granbury, TX.

Why You Should Bundle Your Home and Auto Insurance

Most people have multiple insurance policies for the things in their lives. They may have renter’s or homeowner’s insurance. They may have insurance for their vehicle. If they have recreational vehicles, they may have insurance for that. If you have multiple policies, you might want to consider bundling your insurance policies.

It is often cheaper to bundle your different insurances. Many companies will decrease the cost if you bundle more than one type of insurance. Some companies will knock off up to twenty-five percent of the policy in order to get you to do more business with them! 

It is also easier to have one insurance company, instead of having multiples. This will allow you to see your plans, make claims, and pay your fee all in one place! If you would rather have automatic payments, you will have fewer places to store your personal information. 

If you have multiple policies, you will be more likely to be dropped by your insurance company. Most companies will drop those who file a lot of claims. You should only file a claim every few years. More than that, you could get dropped. However, they are less likely to drop you if you have multiple policies with them. 

Many people shop around when they look for insurance for their needs. They consider bundling and going with one company for all of their needs. This is often easier and cheaper! 

If you want to talk about bundling your home and auto insurance (or any other insurance), don’t hesitate to contact us today at All-Tex Insurance in Granbury, TX.

How Much Auto Insurance Should I Buy?

You faithfully renew your car insurance every year, but have you thought about the amount of car insurance you need? Is your auto insurance enough to pay for your SUV’s damage when your teenage son drives it through a garage? Will your car insurance cover you sufficiently if you cause bodily injury to a pedestrian?

If you are unsure about how much auto insurance you need, keep reading as All-Tex Insurance of Granbury, TX sheds more light on the amount of car insurance sufficient for you.

Minimum auto insurance required in Texas

Before going far, let’s first explore the basic auto insurance required by Texas. The state-required auto insurance forms the minimum amount of car insurance you should hold at any given time. In Texas, motorists are required to have auto insurance that meets the below requirements:

  • Bodily injury liability of a minimum of $30,000 per person and twice the amount for accidents involving many victims
  • Property damage liability of $25,000 per accident
  • PIP of $2,500 though you can reject in writing

As you can see, the limits for the state-required auto insurance coverage are limited. It’s for this reason we ask our clients to increase limits.

How much liability insurance should I have?

The amount of liability coverage you should have should assume the worst-case scenario: a severe accident. Though liability insurance doesn’t protect your car, it cushions your finances. We usually advise clients to have a combined bodily injury and property damage liability of at least $500,000. However, should you require additional coverage, we recommend you invest in umbrella insurance.

How much collision or comprehensive coverage should you have?

How many repairs can you handle without insurance in case of an accident or a peril like a hailstorm? But what about a total loss? Can you handle the replacement of your car out-of-pocket? When deciding how much collision and comprehensive coverage you need, think about the work case scenario: a total loss. Then, get coverage that covers you beyond what you can handle from the pocket.

Are you ready for car insurance in Granbury, TX? Don’t hesitate to contact All-Tex Insurance for an affordable quote.

Why basic auto insurance isn’t always the right choice

In the state of Texas, you don’t actually need to have auto insurance; you do however have to prove that you could pay for any damage that you might cause in an accident where you are at fault. For the average person, the easiest way to prove that is to actually have insurance.  At All-Tex Insurance in Granbury, TX, we are locally owned and operated and work with multiple carriers to provide our customers with the most choices at the best prices. 

The basic amount of liability coverage you should have in Texas is 30/60/25. That is $30,000 for injuries sustained by the first injured person in an accident with a max of $60,000 for all injuries and $25,000 for damage to property. Why this might not be the right choice is that with the steep rise in medical costs, it doesn’t take long to blow through $60,000. If the cost of the injuries goes over that, you could be paying out of pocket which might prove to be a hardship. Why put your hard-earned assets at risk? 

While liability coverage protects others from you, what about your vehicle? If it is damaged in an accident where you are at fault, you will need to pay for the repairs or possibly the replacement of your vehicle. If you still owe on your vehicle, you are liable for that as well. If you have collision coverage, it will pay to have your vehicle repaired or replaced so that you can carry on normally. 

What if your vehicle is stolen or damaged by something that is beyond your control. Again, you would be responsible to repair or replace it. Not everyone can afford to do that.  When you count on your vehicle every day, you need to make sure you have more than basic auto insurance. 

Contact All-Tex Insurance in Granbury, TX when you are ready to discuss your auto insurance needs. 

Spring Auto Insurance Facts to Remember While Researching Future Coverage

All-Tex Insurance provides coverage to the Granbury, TX community. We strive to make sure that our clients find the policies they need to be prepared for whatever challenges life throws their way. We assess each of our client’s personal situations so that we can offer them a custom policy. We are confident that we can help you regardless of your individual needs.  

Auto Insurance Facts To Remember in Spring

Auto insurance covers you and your vehicle as you navigate the ever-changing road conditions daily. Driving is unpredictable, as accidents can happen at any time. Auto insurance ensures that you’ll be prepared if something unexpected happens. The policy covers your vehicle if it suffers damage due to a collision. Liability coverage protects you if you are ruled to be at fault for the collision. As you are researching coverage, think about the seasonal adjustments that you’ll have to make, such as during the Fall.

Potential Theft

Research shows that auto theft crimes rise during the Fall. Comprehensive coverage protects you if you are a victim of auto theft.

Potential Animal Collisions

As you drive through Granbury, TX in the Spring, you may see deer and other animals. It’s important to stay alert, as hitting one of those animals can cause significant damage to your vehicle.

Rear-End Collisions

Rear-end collisions are common during the Fall, especially at places like the mall. If you’re heading to a popular mall to do some shopping, make sure that you avoid parking in tight spaces. That will reduce the chances of you being involved in a collision.

All-Tex Insurance Will Help You Find Coverage

Visit our website to learn more information about auto insurance.

Why should I get auto insurance in Texas?

The Granbury, TX area is a great place for anyone to live. At the same time, those who are here will find that they need to have a car to get around town. As you are in the market for a new car, you should also look for insurance. There are many reasons people here need this coverage. 

Insurance is a Legal Requirement

It would be best to get auto insurance when you are in Texas because it is a legal requirement. When you are a car owner and driver in the state, you will have liability rules and regulations that need to be met. When you are looking for a new policy, you need to ensure that you meet these basic requirements. If you do not have this coverage, you could face some serious penalties.

Insurance Protects Your Vehicle

As you are shopping for a car, you will find that the purchase price can be significant. Due to this significant investment and the fact that your car is a necessity, you will want to ensure that you are properly protected with auto insurance. When you get a full policy, it will include coverage that will help you replace or repair the car following an accident, theft, or other forms of damage. 

Getting a new auto insurance policy in Texas is always a good idea. When you are in the market for your next policy, it would be a good idea for you to call the team at All-Tex Insurance. Those in the Granbury, TX area and work with All-Tex Insurance will get the support needed to choose the best policy for their personal situation.