Tips for Choosing the Best Auto Insurance

Nov 12, 2018 (0) comment

Car insurance illustration with paper and a toy. Mauceri Bynum Insurance.

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Choosing who to insure your vehicle with is one of the most important decisions you will make. They will be who you can put your faith in after a frightening accident to help you repair your vehicle, and it is best that you trust them now to be there for you should the worst happen. But, you also do not want to pay a ludicrous amount each month. It helps to know how Texas is different in its requirements – as you know, in order to legally drive a vehicle, you need to be insured in some way. Getting into an accident while uninsured can cost you more legal issues on top of the stress and damages you are faced with. Here are some tips for choosing the best auto insurance to fit your needs.

Shop Around Thoroughly

You know that before you begin any significant home improvement project or other venture that you always should get at least three estimates before deciding on which service provider to proceed with. This is not only wise financially, but you also have the opportunity to get to know the people who you will potentially be working with. Auto insurance agencies and policies are no different; it is never a bad idea to compare rates on an insurance policy and shop around. Remember, your agent is on your schedule. You should never feel rushed to purchase the first policy you hear about. Take some time, do your own research, and you will undoubtedly make the right call.

Discuss Your Needs With an Agent

While you are shopping around for car insurance, you should make several appointments with potential agents. This is not only going to give you a feel for what a particular agency would be like to work with in the future, but it is also a way to get their assessment of your needs and what type of insurance policy would be the best suited for you. Know this going into it: in the state of Texas, you are only required to have minimum liability coverage. While many may take this as being “off the hook” from other expenses or add-ons, it would not be smart to assume so, or choose to take this route. You always have to keep in mind that not everyone is honest – there are thousands of drivers on Texas roads today that are either uninsured or underinsured. They are breaking the law, and with that being said, you may need to opt for an additional policy to combat these drivers. If you are convinced that you want to be completely safe, go with a comprehensive and collision coverage policy. Again, all of these can be discussed with a professional; we want you to be as protected as you can be.

Call Mauceri Bynum Insurance Today

Al Mauceri is a partner at Mauceri Bynum Insurance. He has been an insurance agent since 2006. Reach out to him via Facebook or call him at 214-733-8400. Serving McKinney, Allen, Plano, Frisco and Prosper.

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