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How Much Does Electric Vehicle Insurance (EVs) Cost?
Electric Vehicles (EVs) have become increasingly popular, and as their presence on the roads grows, there has been considerable interest in how they impact auto insurance prices. Here’s an overview of the relationship between EVs and auto insurance: Potentially Higher Premiums: Repair Costs: One factor leading to potentially higher insurance premiums for EVs is the…
Read MoreRaising my auto insurance deductibles, how much does it save in Texas?
The savings achieved by raising auto insurance deductibles in Texas can vary widely based on a myriad of factors. Here are some general considerations and steps to estimate your potential savings: Factors Influencing Savings: Type of Coverage: The savings can be different for collision and comprehensive coverages. Vehicle Value: Cars that are more expensive to…
Read MoreHow Comprehensive Insurance Protects Drivers in Texas
Comprehensive coverage protects you from various random acts which can cause harm to your automobile outside of having an accident. For example, if you were to be hit by a vehicle, the guilty party’s liability coverage is there to restore your property and other bills such as legal and medical expenses.
Read MoreCan I change my insurance agent but keep my insurance company?
Yes, you can switch insurance agents for your auto, home, landlord and other policies while keeping the same insurance company. Many times bad service and experiences are the agent’s fault and not the insurance company’s; so customers may want to use a new agent with the same insurance company. Here’s how the process generally works…
Read MoreThe Meaning of ” Full Coverage” in Auto Insurance
“Full coverage” in the context of auto insurance is a colloquial term that typically refers to a combination of insurance coverages that protect both you and your vehicle. It’s not a technical or official term in the insurance industry, but when people refer to “full coverage,” they usually mean a combination of the following types…
Read MoreWhat Does the Car Insurance Claim Process Look Like in Texas?
The car insurance claim process can vary slightly depending on the insurance company, the nature of the incident, and the specific policy in question. However, the general steps are typically as follows: Immediate Action at the Scene: Ensure everyone is safe. Address any injuries first and foremost. Call the police, especially if there are injuries…
Read MoreInsurance Companies Pulling Out of Texas – A Growing Concern
It happened in Florida following devastating hurricanes ravaged their state. The same in Louisiana following the unthinkable damage left in the wake of Hurricane Ida. Again, it would take place in California following wildfires. Now, in 2023, insurance companies pulling out of Texas has become a reality.
Read MoreDo auto insurance companies use new or after market parts?
Auto insurance companies can use either Original Equipment Manufacturer (OEM) parts or aftermarket parts when repairing a vehicle after an accident, depending on the circumstances, policy terms, and applicable laws in your jurisdiction. Original Equipment Manufacturer (OEM) Parts: These are parts made by the vehicle’s manufacturer or an authorized supplier. They match the parts that…
Read MoreWhat gas station usually has the lowest prices in Texas?
Gasoline prices can vary considerably by region, city, and even from one neighborhood to another, so it’s challenging to generalize which retailers consistently have the lowest prices across the board. However, there are certain types of retailers that tend to offer lower gasoline prices, based on historical patterns and their business models: Warehouse Clubs: Stores…
Read MoreWhat Does Liability Only Auto Insurance Cost & What Does It Cover in Texas?
According to a 2023 rate analysis, liability only auto insurance per year for minimum required coverage is: $682 for a good driver with good credit in Texas $1,111 for a good driver with poor credit in Texas $1,041 for a driver with an at-fault accident and good credit in Texas $1,407 for a driver with a…
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