Category: Auto Insurance

Most auto insurers, like All-Tex Insurance, offer roadside assistance coverage as an additional safety net in their policies. While this elective coverage isn’t a state requirement in Texas, it has a comparably small premium cost and can provide significant financial relief for expenses such as tow trucks or locksmiths. This blog explains the benefits of roadside assistance, how to add it to your policy, and how to use it.

Roadside Assistance Coverage

The roads and highways around Granbury, TX, can experience a wide array of unexpected mishaps. Flat tires, locked-in keys, and breakdowns are all common occurrences. However, roadside assistance insurance provides help no matter where in the U.S. you travel, serving similar functions to auto clubs, except nationwide.

Roadside assistance provides you with service directly at your vehicle’s location, no matter where in the U.S. you travel. If you run out of gas or lock your keys in your car during a sightseeing trip in Georgia, roadside assistance will bring you gasoline and a locksmith, so you’re soon on your way again. Perhaps your car breaks down during your road trip to rural Maine; roadside assistance will arrange a tow truck, allowing you to reach a mechanic. Simply put, roadside assistance responds precisely to your needs no matter what happens with your vehicle.

How to Add Roadside Assistance to Your Auto Policy

We usually include roadside assistance coverage in every full-coverage auto policy quote. Please let us know if you wish to add it but are only requesting Texas’ minimum coverage. We’re happy to add roadside assistance to your quote. If you already have your policy and it does not include roadside assistance, call or email us, and we’ll add it to your policy. Considering its affordability and convenience, we wholeheartedly encourage our customers to take advantage of this beneficial, low-cost coverage.

How to Use Roadside Assistance 

When you experience trouble with your car, call the toll-free number for roadside assistance or send an alert from a mobile app. The dispatcher will then contact a local business partnered with the corporate provider of the roadside assistance service. This ensures you get help quickly, even if you’re experiencing problems in an out-of-the-way location.

Update Your Auto Insurance

Contact All-Tex Insurance today to update your auto insurance. Before you keep your vehicle’s engine running in Granbury, TX, ensure your policy comprises roadside assistance coverage for optimal peace of mind.

Auto insurance, traditionally associated with car ownership, is evolving to support and encourage multimodal mobility by offering innovative coverage options and incentives that align with the changing transportation landscape in and around the Granbury, TX area.

Flexible Coverage Options

Auto insurance companies are adapting their policies to accommodate the diverse needs of modern commuters who utilize multiple transportation modes. Rather than solely focusing on coverage for personal vehicles, insurance providers now offer flexible policies that extend protection to other modes of transportation, such as bicycles, scooters, and rental cars. This flexibility enables individuals to tailor their insurance coverage to align with their specific mobility preferences, encouraging the adoption of alternative transportation options.

Coverage for Ridesharing and Carsharing

The rise of ridesharing and carsharing services has transformed how people access transportation, offering convenient and cost-effective alternatives to car ownership. Auto insurance companies have responded by developing specialized insurance products tailored for rideshare drivers and users of carsharing platforms. These policies provide coverage for vehicles used for commercial purposes, ensuring that drivers and passengers are protected while utilizing shared mobility services. By offering insurance coverage for ridesharing and carsharing, auto insurance companies facilitate access to these sustainable transportation options and contribute to reducing reliance on personal vehicles.

Incentives for Sustainable Travel Behavior

Many auto insurance companies are introducing incentives and rewards programs to encourage sustainable travel behavior among policyholders. These incentives may include premium discounts for using public transit, participating in bike-sharing programs, or maintaining a low-mileage driving record. By rewarding environmentally friendly travel choices, auto insurance companies incentivize multimodal mobility and support efforts to lessen air pollution and traffic congestion.

How All-Tex Insurance Can Help You

At All-Tex Insurance, we can help answer questions concerning auto insurance. We serve the Granbury, TX, area. Call us today. 

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.

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.

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. 

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.

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.

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.

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.