Boat insurance is vitally important for anyone that owns a boat or other watercraft. You need to not only protect your own interests, but you also want to keep yourself protected in case you damage property or someone else’s boat in an accident. However, even though you do not want to be without insurance, you do not want to pay more than you have to. Because of this, many people wonder if it is optional to only insure a boat during the summer season, when they will have the boat on the water.
This is not a simple question. While you could simply insure your boat only during the months you will have it on the water, this is not quite as good of an idea as it might seem. Just because you will not have your boat on the water, you likely still want to have it protected from other incidents that could occur. For instance, if it is stored on your driveway, it could be damaged during a hailstorm or tornado. If you did not have insurance, you would be completely out of luck.
Because of this, you probably want to keep the boat insured year round. However, there are other options. Many insurance companies including those from Lufkin, Texas will offer an insurance policy that is less expensive during the winter months, when your boat is not on the water.
The best way to understand this process is talking to an independent agent. You will get more information about what you can expect to pay, and the different ways you can save money. You will find that talking directly with an agent is often the best way to understand your insurance policy and the fees associated with it.
When shopping for insurance, don’t go with the first provider or the first policy. Rather, work with an independent agent who can help you to find the most affordable policy for your needs. The process is easier than you realize and the benefits are outstanding. Why pay more for the exact same insurance from one insurance company when you can get it for far less from another?
We Can Help
Our independent agent in Lufkin, TX works directly with you to determine what type of policy is right for your needs. This includes taking into consideration factors such as:
- The type of insurance
- The amount of coverage you need
- Discounts or rewards you may qualify for
- Bundling offers
- Your location
Then, we work to find you quotes from leading providers. Comparable quotes for insurance products allow you to compare apples-to-apples. In other words, you can learn which insurance companies are available to offer you the coverage you need at the lowest price. You are not paying more than you need to nor are you getting inferior insurance coverage.
In Lufkin, Texas, our agents work with you so you can save money. We know the importance of getting insurance that will protect your home, auto or other belongings so you do not have to worry about them. However, we also know that you don’t want to spend more than you have to.
By using our comparative tools, we can ensure you get the most affordable insurance for your specific needs. This includes discounts you may qualify for as well. Simply provide some basic information about your needs, and our independent agent will get quotes from leading companies offering the best pricing for the insurance you need. It really can be that easy to get comparable quotes for all of your insurance needs.
It is common knowledge that everything is bigger in Texas. The insurance industry is no exception! Business is booming, as more people are aware of how important different types of insurance are to their personal and financial security. Whether you already have coverage and are considering a move to save money, or you think you need additional insurance to take away some of the stress and worry of everyday life, understanding what’s happening with Texas insurance is vital. Keep in mind some of these interesting facts when you get ready to change or add to your current coverage.
- According to information provided by the Texas Department of Insurance, the average cost of a homeowner’s premium in Texas is steady when compared to a few years back, even though the size of the policy has increased. This means that insurance has actually become a better deal for homeowners.
- Sadly, Texas has the highest rate of people without any form of health insurance, of which 80 percent are native or naturalized citizens.
- You are unable to register a car in Texas without providing proof of insurance with a minimum liability of $30,000 for bodily injury, up to a total of $60,000 per accident and $25,000 for property damage.
- If you are caught driving without insurance in Texas you will face fines and possibly stiffer penalties. For just the first offense, fines can be $300 or more, while further offenses carry fines up to $1,000 and license suspension. Choosing to drive without insurance usually costs more than just taking out the required policy.
As you can see, there are many reasons why you should look into getting the coverage you need with a local independent agent in the state of Texas. While car insurance is currently the only mandated form of insurance, you will find that life is much less stressful when you have adequate coverage of all types.
The first thing you need to know when you cause an automobile accident in Lufkin, TX is that you are financially responsible for damages. Unlike some states that require you to carry liability insurance coverage in case you cause an accident, Texas gives you the option to either carry insurance or show proof of financial responsibility. Financially responsible or not, once you cause an accident, you will most likely find out just how helpful a liability insurance policy can be.
Texas has a fairly healthy minimum liability insurance to the tune of $30,000 per person and $25,000 for vehicle damage, but it still may not be enough, especially if there are serious injuries or if the other car involved is a luxury car that gets totaled. The bad news is that the other party can sue you for any damages over what your insurance will pay for. With this in mind, you might want to think about contacting your independent agent about increasing your insurance amounts. Still, even the minimum insurance is better than no insurance–people with no liability insurance coverage will paying for everything out of their own pocket.
If your own car is damaged or you are injured in an accident in which you are at fault, even liability insurance won’t help you. You will need collision insurance to cover the damages to your car and either medical payments coverage or personal injury protection (PIP) insurance to cover injuries to yourself or others in your car. A PIP policy has the added benefit of paying for lost wages and other expenses.
Nobody wants or expects to cause an accident, but it can happen to anybody. In order to make sure that you are protected, you should speak to your independent agent today to make sure that you have the coverage you need.