Dallas Auto Insurance Coverage
Car insurance can be confusing. There are legal requirements, different coverage levels, deductible choices, and optional coverages. Figuring out how to choose the best Texas Auto Insurance policy is not the easiest task. That’s were we come in. AmeriAgency Insurance makes it easy for you to find dependable coverage with our free online quotes. Or give us a call to speak to one of our licensed agents. Let us do the work for you. You’ll be surprised how quick and easy it can be and how much you could save.
When choosing car insurance, asking the right questions can save you time, anxiety, and most importantly, cash. Many agents will not go through every aspect of your policy because they assume you’ll read it when you get home. However, the likelihood of you finding time on your own to read through the fine print is next to impossible.
Even if you find the time to read through your policy word for word, it’s not always easy to understand. Asking your agent the right questions is crucial to getting the coverage you need and the benefits you want at the very best price.
1. Do I have both comprehensive and collision coverage?
This is an important question to ask because comprehensive and collision coverage are separate and you may have one, the other, or both. Collision covers vehicle repairs when an accident occurs, regardless of fault.
Comprehensive coverage pays for damage caused by anything that is not a collision, (i.e.: theft, vandalism or weather damage). Although each option has its own deductible, it is generally best to have both policies, especially if you own newer cars that you can’t afford to replace.
However, if your car is older, it might not be worth it to carry both. For example, it may not be worthwhile to pay $400 a year for collision and comprehensive insurance to protect a car that is valued at only $3,000.
2. Is my policy customizable?
Some policies come as a package, meaning you get what is included regardless of what you actually need. Other policies may be customizable to your specific needs, which can save you money and provide the best coverage. If your agent is able to provide a policy that is tailored to your individual requirements, they can be sure you’re getting exactly what you need at a price you can afford.
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