Jan 14, 2019 | Insurance
Getting your car on the road doesn’t have to be extremely expensive if you live in Austin, Texas. You can get cheap auto insurance online from a local direct agency such as EZ Insurance of Austin, Texas. Before you invest in auto insurance you should know a few things about what the law requires in the state of Texas. Requirements for Auto Insurance in Texas The state of Texas requires that all drivers must establish financial responsibility for their vehicles. Everyone needs to take out affordable liability insurance so they have financial responsibility in the event an accident occurs when operating a motor vehicle. Texas state law requires that coverage of $25,000 property, $30,000 personal injury for the driver and $60,000 worth of personal injury insurance for all persons involved in any potential accident involving the insured vehicle is in place at all times. This obligation is easily met by purchasing a simple auto liability policy. TexasSure is an insurance verification program that is used in the state of Texas by law enforcement officers. It gives officials real-time, instant access to insurance information, so you need insurance to avoid serious legal issues. Where to Get Cheap Auto Insurance Affordable car auto insurance through EZ Insurance of Austin, Texas is extremely easy to obtain. You can get up to a 35% discount on insurance policies through over 30 competitive insurance companies, or you can use our in-house companies as well with their instant online application. You can get an instant online quote by visiting our website at https://ezinsuranceagency.com/ or by calling their phone number at (512)444-4445. If you are purchasing...
Jan 7, 2019 | Insurance
When you’re on the hunt for cheap auto insurance, you want to make sure that you’re looking at the right time to get the absolute best deals. When shopping for auto insurance online, there are some times when you’ll be more likely to find good deals than others. Here are some tips to help you shop for your car insurance at the best time. There’s no one best time for everyone A myth about shopping for insurance is that there’s one time of year that’s best for buying insurance, regardless of who you are or what type of policy you are looking for. There are many factors that go into your policy price, so don’t buy into this falsehood when doing your shopping. The best times to shop for car insurance will have more to do with your existing policy. Shopping right before your renewal date is usually best However, there is one time of year that’s best to shop for insurance – right before your policy is set to renew. At this point, you’ll have your renewal rates from your current insurance company, so you can use those to compare to other rates on the market. Switching to a new carrier at this point can sometimes even get you a discount, because many companies offer advanced quote discounts to reward customers who are responsible and shop ahead. It also means that you can switch insurance companies without any extra fees if you need to. You should get insured right away If you don’t have car insurance at all and you’re driving, you shouldn’t waste time waiting around to...
Dec 31, 2018 | Insurance
Buying your first car can be very exciting – it means freedom of movement and independence in your city. However, it also means you need to buy auto insurance, and this can be very daunting at first for many people. It’s important to take your time when searching for an auto insurance provider to make sure you find the best option for your needs. Here are four top tips to keep in mind when buying auto insurance for the first time. 1. State requirements are important Each state has different requirements for car insurance, so good coverage in one state may not be sufficient in another. Many first-time buyers don’t think about this and then get into trouble later on if they move or travel frequently for work. A good solution to this is to work with a local auto insurance agency, because they’ll make sure your policy keeps you covered in your city and state. 2. Make sure you know exactly what you’re signing Many young people don’t read all the way through their insurance policies, preferring to get all the paperwork done as quickly as possible. While this may not seem like a big deal, it can cause problems down the line if you don’t really understand what you’re paying for. Ask your insurance agent to explain everything to you in plain English, and don’t be scared to ask questions. 3. Don’t be scared by high rates Most young people start off with high insurance rates because they are considered much more risky for insurance companies to take on. This can be daunting, but chances are, your...
Dec 23, 2018 | Insurance
When it comes to finding cheap auto insurance, you have a huge range of choices. Deciding which company and policy is best for you can be very overwhelming, particularly if you don’t know much about insurance. Although there are many national companies offering auto insurance, it’s sometimes more effective to opt for a local company instead. Here’s why you should give your local insurance provider a try. They are familiar with unique state and local requirements Every state has its own regulations when it comes to car insurance, and if you go with a national provider, you may be expected to know them instead of getting guidance when shopping. A local insurance provider is an expert in state policy requirements, so they will make sure you get an appropriate policy for your location. They can provide better customer service Smaller local insurance agencies have fewer clients, which means they can give each customer a more personalized experience. They can work with you to address any challenges you may have while insurance shopping, and they can also help you pick the best policy for your budget. Working with a smaller agency means the staff can spend more time making sure you’re happy with your policy. Local insurance agents can save you money Many national auto insurance websites tout their affordable policies, but you won’t always get the cheapest price by going to them. Local insurance agents know how to get the best price for you given factors like your vehicle, your driving history, your financial history, and more. This approach can actually save you money in the long run, because...
Dec 17, 2018 | Insurance
When you are thinking about an insurance policy, the main questions that you might ask yourself are: am I working with the right provider and am I getting a good deal? These questions lurk in the minds of many prospective policy buyers considering many providers are offering different kinds of deals. Insurance is not a tangible asset, which means that you cannot afford to land in the hands of a wrong provider. When researching auto insurance online, for instance, many first time buyers hastily go with any affordable insurance policy they get their hands on; this has often proven to be a bad idea. For the sake of erring on the side of caution, here are three things to consider when researching an insurance provider online: Reputation Finding a reputable insurance provider can save you from getting into an unpleasant situation. Today, any information you need is at your fingertips. The internet has made it easy to do just about anything in the comfort of your home. This means that it’s already a huge red flag when an insurance provider does not have any form of online presence. And if you can’t find reviews from past clients, then that it is in your best interest to move along. Price range Different providers offer different price quotes for the same policy. What you are looking for here is a price range that is reasonable for the provided coverage. You do not want to overspend on a cover when you could get the same services at a lower cost. EZ Insurance of Austin, Texas is an excellent example of a provider...
Dec 7, 2018 | Insurance
There’s no doubt about it, everybody is searching for cheap auto insurance or discount insurance. Auto insurance costs are what many consumers are keen on when purchasing a vehicle, along with the kind of protection covered by that particular policy. Although every motorist is required to have insurance, burning questions about insurance policies keep popping up behind the scenes. Here are some of the frequently asked questions surrounding auto insurance rates and their respective answers: Why are car insurance rates higher for younger drivers? Many people feel like insurance companies have a bias against younger drivers when determining quotes for motorists. This is not true, simply because the rates are based on data pulled from a person’s driving history. Insurance companies have decades of data at hand, which help them easily track trends and fix rates based on a driver’s driving experience. Reports show people with less experience behind the wheel are more vulnerable to reckless driving and auto accidents. A great percentage of younger drivers belong to this group, and reports also suggest that they also lack sufficient financial history to obtain a strong insurance score. As a consequence, drivers with a low insurance score end up receiving higher quotes on their policy. Do rates rise when a person is involved in a “not-at-fault” accident? Nobody can tell for sure whether or not your rates would rise if you found yourself in this dilemma. Often, the outcome depends on the views of your specific state and those of your insurance provider. There are still some other factors at play, which state officials investigate within a given threshold to...
Nov 29, 2018 | Insurance
When you’re in the market for car insurance quotes, you may be hoodwinked into believing that the lowest price is the greatest value. But purchasing the wrong insurance can cost you an arm and a leg if things go wrong, so take the time to arrange the best deal. Here are five costly pitfalls people often make when buying auto insurance. Not shopping around Make it a routine to review your auto insurance annually. Most motorists just renew their policy without comparing offers from other insurers or asking questions. Only 30 per cent of drivers get insurance quotes every year, and 70 percent automatically renew their policy. To get the right coverage at the best price, get four to five quotes from different insurance companies when renewing your policy. Purchasing the minimum Most car owners purchase the minimum liability coverage mandated by law and think that they have enough coverage. Sadly, that’s not enough in some circumstances. Before buying any auto insurance coverage, understand your assets and your financial risk if you get involved in an accident. Make sure your liability limits are in tandem with what you can lose. For example, if you hit a high-end automobile, the minimum liability coverage will not meet the cost of replacing it. Ignoring reputation When looking for the best car insurance, don’t compromise on customer service. You may pay low premiums but the insurer gives you very low damage estimates. As such, investigate an insurer’s reputation and policy details before buying any policy. Misunderstanding what you’re purchasing Some insurance companies provide products that are difficult to understand. As a result, most...
Nov 26, 2018 | Insurance
Buying auto insurance online is a great idea if you’re hoping to save money and time. The advantage of purchasing auto insurance online is you get quick access to quotes from insurers without having to call individual companies and provide the same details repeatedly over the phone. You’re also able to shop anytime you want, with quick access to several different quotes. Here are six tips to keep in mind when buying auto insurance online. 1. Be prepared To get accurate auto insurance quotes, you will need to provide the following information, so make sure you have it to hand: • Vehicle model, make and year • Vehicle identification number • Mileage per year • Registration • Driver’s licence • Information about driving violations, claims or accidents in the last 5 years You may also have to give insurers permission to check your driving record and credit report. 2. Do your research beforehand! You should decide how much you ideally want to be spending on your car insurance, and research the average rates for your ZIP code, and for your age group. You can now start researching and comparing quotes from different insurers. 3. Choose liability limits After providing details of yourself and your car, you’ll be asked to purchase liability insurance. This is required in almost all states to drive your car legally and must be taken into account. 4. Choose deductibles and coverage After setting your liability limits, you’ll be asked if you want to buy any optional coverage. These include: • Under-insured or uninsured motorist: these cover you if you are hit by a driver who’s...
Nov 8, 2018 | Insurance
If you’re looking for a sure way to lower your auto insurance premiums, the number-one thing you can do is raise your deductible. You may be able to save additional money by shopping around, bundling your coverage and taking advantage of discounts, but nothing lowers your monthly premiums as fast as boosting your deductible. It all depends on how you handle things after raising your deductible. If you fail to set money aside, that higher deductible could be unaffordable if you need to make a claim. If, on the other hand, you plan carefully, you can self-finance your higher deductible and bank the extra savings month after month. Here’s a strategy to make it happen. Calculate your savings Before you raise your deductible, you need to know how much the decision will save you. The amount of premium savings will depend on several factors, from your claim history and driving record to the company and its underwriting standards. In most cases, the higher your deductible the more money you will save, so ask your agent for several different quotes. Compare the amount you’re paying now to how much your new premium will be, then calculate the savings and start working on your plan. Self-finance your new higher deductible Once you know how much you will save by raising your deductible, you can use those savings to self-finance the amount you will have to pay up front. Keep in mind that many drivers go decades or even longer without an accident. Take the money you would have spent on your previous policy and put it in a savings account instead....
Nov 2, 2018 | Insurance
Who wants to sink tens of thousands of their hard-earned money into a vehicle and then lose it all in one day to an accident, fire, or even theft? If this is not you, then you need to know about comprehensive and collision auto insurance coverage. Types of policies A car insurance policy has several parts. There is liability, which covers damage or injury to a third party in a car accident where you’re determined to be negligent, the medical expense or personal injury protection coverage, and lastly, there is insurance that covers damage to your vehicle, called physical damage coverage. Types of physical damage coverage • Comprehensive coverage Physical damage coverage is broken down into two parts. The first part is comprehensive coverage. It is usually a less expensive coverage than the other part, the collision coverage. Comprehensive coverage covers damage to your vehicle not resulting from a collision — damage from a tornado, a hurricane, flood, fire, theft, vandalism, rocks, etc. It also covers damage to your windshield and the windows of your car, should they get broken or cracked. • Collision coverage Collision coverage covers the damage to your vehicle when you’re involved in an accident while driving or caused by another vehicle. Even if another driver is negligent and causes an accident that results in damage to your vehicle, you may always use your collision coverage to get your vehicle fixed while the claims team is investigating the accident to determine fault. If later it’s determined that the other driver was negligent and the cause of the accident, your insurance company will attempt to recover...
