Need Auto Insurance in Plano, TX?
Texas Auto Insurance: Your Questions, Our Answers
Why do I need it? Number one reason: It’s the law in Texas. And a good law at that. We should be happy that most states require auto insurance coverage and that there are insurance companies around to absorb the risk. When you think about it … it’s a jungle out there!
What would happen if I did not have it? Hefty fines are involved in those that do not carry auto insurance. If you were involved in an accident you need to know that you are able to pay for the damage you caused. The cost of treating injured people from even the simplest accidents can be enormous.
Okay, I get it. Texas requires we have coverage. End of story. Correct?
Not really. Most Texas auto insurance companies advise against carrying only the state’s minimum auto insurance requirements. If you are involved in a serious accident, the costs will significantly exceed your auto insurance coverage, making you liable for thousands of dollars out of you own pocket. It is not good planning to cut corners on auto insurance coverage. You’ll need that protection if you’re ever involved in an accident.
How do I get the best deal? The best deal always equates to getting the best value for your dollar. Generally speaking, choosing high limits and high deductibles is a smart choice. Choosing a high deductible will require you to pay more money out of pocket if you’re involved in an accident, but will lower your auto insurance premium. Choosing high limits protects you in the event you were involved in an accident. The more coverage you have, the less it will cost you if you get in an accident. Typically, higher limits cost only a few dollars more.
Any more tips on getting a good deal? A list from one of our trusted partners includes various discounts that may be available to you. You will find that list at the bottom of this article.
Remember the best deal is ALWAYS that you have the adequate coverage you need with a reliable and affordable company. If and when you are involved in an accident you will thank yourself over and over for investing in the additional auto insurance coverage.
How do I know what is adequate for my needs for auto insurance in Plano, TX? A trusted local independent agent should be able to ask the right questions to direct you in learning what coverage is best for you. In addition to basic liability coverage, you may also want to include Comprehensive (COMP) and Collision. Collision and Comp ensure you can replace or repair you vehicle in the event it’s damaged. Although Texas law doesn’t require Collision and Comp, the bank that loaned you the money to buy that new car probably will. With a new car and a loan to go along with it, you won’t want to be out of a vehicle if it were to get damaged and then still be responsible for making a payment on a worthless wreck in the junk yard.
Consider how you use your car, where you live, the age of your vehicle, your personal assets that need protection, and your passengers when making a decision on what is adequate for you.
You need insurance to:
~ Guard the investment you have in your car
~Pay for medical bills after an accident including accidents caused by uninsured or underinsured motorists
~Safeguard you from costly damages of an accident related lawsuit
~Help protect your valuable assets (such as your home, retirement saving, stocks, etc)
~ Help pay for damage repairs due to theft, vandalism, or natural disasters
~ Help give you peace of mind when you or your loved ones are on the road
Great Discounts and Advantages from Travelers Insurance Company That Can Lead to Savings *
- Safe Driver Advantage
- Paid In Full Discount
- Multi-Car Advantage
- Early Quote Advantage
- Multi-Policy Discount
- Hybrid Vehicle Discount
- Good Student Discount
- Driver Training Discount
- Student Away at School Discount
- Home Ownership Discount
*The above Discounts and Advantages are taken from Travelers Insurance Company.
Rita Cheek offices with her husband Randy in Plano, TX. Both Rita
and Randy believe as independent agents they are best able to serve their
clients. Randy and Rita, being seasoned in the insurance industry and both
having the heart of a teacher, are always willing to share their knowledge when
working with a client. Cheek Insurance Agency prides itself in helping their
clients find affordable coverage to meet their individual insurance needs.
Cheek Insurance Agency seeks out partners who provide the most reliable and
affordable insurance coverage for Texas. Some of the companies Cheek Insurance
partners with include Travelers, The Hartford, Mercury, MetLife, Progressive,
Republic, Midland National Life, North American Life, Assurity, United Home
Life, Baltimore Life, West Coast Life, Mutual of Omaha, Gerber, and Sentinel.
