What Are The Auto Insurance Requirements For New Drivers In Huntington, TX

If you’re a new driver in Huntington, TX, you’re still learning about various state requirements linked to vehicle ownership. Here’s a brief overview of the state’s legal expectations for new drivers.

Minimum Texas Auto Insurance Requirements

Texas drivers have one legal requirement to fulfill: financial responsibility. This is met with a policy that includes liability coverage. In case of an accident, this covers:

  • The medical expenses of the driver
  • The medical expenses of the driver operating the other vehicle.
  • Car repairs or replacement.
  • Car rental for the other vehicle’s driver.
  • Funeral expenses.
  • Lost wages and other compensation.

Each policy varies in the dollar amount it covers.

Minimum Requirements For new Drivers

There are no special requirements for new drivers in the state of Texas aside from financial responsibility. Since most new drivers are teens and young adults, it’s common that insurance providers like Integra Insurance Services allow parents to add new drivers to their policies. students living away from home during the school year can also remain on their parents’ policy.

When young drivers are added to their family’s auto insurance policy:

  • The premium will likely increase.
  • The deductible limit will also be readjusted.
  • The young driver will get a separate premium rate if they own a car in their name.
  • If the new driver does not own a car, the premium rate on the most expensive family car will increase.

It’s generally true that auto insurance for new drivers is much more costly than coverage for seasoned drivers. If parents choose to save money by not naming their young adult drivers on their policy, they are likely to pay a penalty equal to the rate of a new driver’s premium. Still, adding a new driver to an existing policy is usually cheaper than taking out individual coverage.

Contact your friendly Integra Insurance Services agent to buy your first auto insurance policy as a new driver. You can also ask about adding a young driver to an existing policy.

 

What should i do if I’m in an auto accident?

Driving in Huntington, TX certainly feels like a necessity, and accidents happen to the most careful drivers. Being in an accident is stressful, and can even be frightening, so it is important to think ahead about what to do if you are ever in a crash.

Stay at the Scene 

Stay calm, and stay as close to the crash as possible. If your vehicle is obstructing a motorway, it is okay to move out of the way of your vehicle can be moved so that traffic can keep moving. 

If anyone is injured, that is your first priority. Render aid if you can, and call 911 so emergency help can come. 

Exchange Information 

In Texas, all drivers are responsible for any damages they cause during a crash. By law, you will need to give your information (like name, contact information and driver’s license number) to any other drivers involved, including any identifying information and insurance information, such as your insurance company and number. 

This is also the time to preserve the scene. Take pictures, and get the names and contact information of any witnesses. 

Report the Accident If Necessary 

If a police report wasn’t filed, you may need to report the accident yourself within 10 days to the  Texas Department of Transportation. You can always ask your agent at Integra Insurance Services for assistance in doing so.

If you are a driver in Huntington TX, you will hopefully never have to deal with the aftermath of an auto accident. At  Integra Insurance Services, we will help you get the right coverage and then help later with any claims. Call today if you have any questions or just want a free quote. 

Do we need a business automobile insurance policy if we rent instead of owning company cars?

Most people don’t realize that there are, in fact, many differences between commercial automobile insurance and personal automobile insurance. They often find out when it is too late that they were depending on a personal insurance policy to protect them when the circumstances fell outside the range of what would be covered, leaving them to pay the full bill. The agents at Integra Insurance Services work to help their commercial insurance customers in Huntington, TX protect their businesses by making sure they understand the kind of protection they need for their situations.

The first most important thing to understand is that a personal insurance policy or a business owners policy (BOP) will not provide coverage for automobiles used primarily in a business. Those kinds of coverage must specifically be provided by auto insurance policies.

The Business Auto Coverage Form (BACF) is the most commonly used contract that businesses use to provide coverage for their automobiles. This means cars, trucks, vans and any other kind of conveyance the business needs to use. The policy will need to list all of the vehicles which are intended to be covered under the policy, or the people who will need to be covered if they are driving while conducting business.

When you are choosing the coverage that best suits your needs, you will have to decide what should be covered. Do you want to cover only the automobiles the company owns, hires or leases? Or do you also want to cover other automobiles that your business uses also, such as when an employee runs an errand with a personal car? The second option provides wider protection for your business. The more coverage, the better protection.

If you have a business in Huntington, TX, call Integra Insurance Services to find the best commercial auto insurance for your company.

Things to Keep in Mind when Purchasing Auto Insurance

Most individuals purchasing auto insurance in Texas may not be aware of what they are buying. Understanding your coverage and ensuring that you are adequately protected in the event of an accident is, however, very important. You should not wait until an accident occurs for you to get auto insurance from Integra Insurance Services since you may not get funds to pay for your medical bills or repair your vehicle.

Ensure you are careful when purchasing your policy and to do that, here are some of the things you need to keep in mind;

Know the difference between personal and commercial insurance

 Some people purchase auto insurance in Huntington, TX for private vehicles while others require insurance policy for their commercial cars. The two policies are different even regarding premiums, and you should, therefore, consider the differences before buying the policies.

Avoid buying the minimum required amount of insurance

Do not assume that just because you have an auto insurance coverage, you will be protected entirely after an accident. The protection varies depending on the premiums. Ensure to purchase the maximum amount if possible, for comprehensive protection.

You can get an itemized bill

Your insurance providers do not have the right to stop your repair shop from offering you an itemized bill with the item’s description, manufacturer and the payment billed from the insurance company for the purchase and Labor.

Understand who are protected under your policy

If you have family members, who use the insured vehicle, ensure they are permissive drivers. Otherwise, they will not be protected in the event of an accident, and they could be a hook to large bills if damages occur. Make sure to put this aspect into close consideration.

Having these facts and considerations in mind will help you shop for the best coverage that will ensure complete protection. At Integra Insurance Services, we offer consultation services where we help you make the right decision after listening to your needs. We can assist you to shop for the right policy. Visit or contact us today for more information on auto insurance in Huntington, TX.

Auto insurance coverage options

Are you confused by what is covered in an auto insurance coverage? Unsure of whether to take this cover or not? Integra Insurance Services is here to help you understand car insurance and why it is so important.

If you are in Huntington, TX, or whichever part of the world, you probably know that car insurance is a requirement by law. It is essential that you have this cover lest you attract penalties or even lose your driving license. At Integra Insurance Services, we have a team of well-trained employees who make sure you understand all the terms of insurance as well as all the coverage options before you sign any legal contract.

Every state has its auto insurance requirements. As for Huntington, TX, it is a must for you to have a liability coverage. Let’s look at it in detail.

Liability Coverage

However experienced you are in driving, once in a while you might find yourself involved in an accident. In such a case, if you cause injury to another driver and their passengers or if you cause damage to another person’s vehicle, you are held liable for all the damages. The state requires that you pay for all the medical expenses as well as cater for the car repairs. A liability coverage helps you cater for all the costs incurred.

In addition to Liability Coverage, we also offer collision coverage, comprehensive coverage and personal injury protection. A collision coverage helps you pay for damages caused to your car as a result of a collision with another vehicle or object whereas a comprehensive coverage caters for any damage caused to your vehicle by anything other than collision.

As for personal injury protection, we cover all your medical expenses if you were the driver as well as that of your passengers. Also, depending on your policy, we also cover funeral costs.

Integra Insurance Services is here because of you. Feel free to contact us through our website or call us for more information.

 

3 Features About Your Teen’s First Car That Can Mean Higher Insurance Rates

It is only logical that adding a new teen driver to your auto insurance in Huntington, TX will mean a slight rate increase because new drivers are more of a risk. However, did you know that the type of car your teen drives can also affect your premium price? Take a look at a few features of your teen’s first car that can mean a slightly higher car insurance premium. 

The Car Has a Powerful Engine 

That sports car may not be higher to insure simply because of its name; cars with more powerful engines tend to be a bit higher to insure, however. This is because a car with a more powerful engine may also have a driver who insists on traveling at a higher rate of speed, which can be a risk if you have a teen driver on your policy. So instead of opting for a V8, try picking a smaller car with a less powerful engine for your teen driver. 

The Car Is On the DMV’s Top Stolen Vehicle List 

Did you know there are cars and trucks that are more likely to be stolen than others? In fact, the DMV has a list of top stolen vehicles. If the car you buy for your teen is on this list, you could see a higher premium cost because of it. 

The Car is an Unusual Color 

Even though all insurance companies do not follow the same rules, most of the time, a car that is painted an unusual aftermarket color will be a little higher to insure. This is because if the car is involved in an accident, the paint would be more expensive to replace. To find out what car paint colors could be higher to insure, contact an Integra Insurance Services agent. 

 

Top Auto Insurance Myths

Auto insurance is something that you simply cannot live without in Huntington, TX if you own a operate a vehicle. However, it is something that many people do not fully understand. There are a lot of myths that people have in their mind about auto insurance and it can distort the truth for them. To help you better be able to determine what is true and what is false, take a look at these common myths from Integra Insurance Services and the truth behind them.

Your Credit Score Doesn’t Impact Your Rate

Many people think that their credit score does not play a role in determining their insurance cost but it does play a factor. In fact, many insurance companies use this as a way to determine your ability to pay the insurance premium and the lower your credit score, the higher your cost tends to be.

Your Rates Will Increase With Age

As people get older, many people think that rates increase because the individuals may have poorer vision and lower reflexes. However, many people actually see their rates go down because insurance companies see them as more mature drivers than younger individuals.

If you Don’t Report An Accident, Your Rates Will Stay The Same

It is common to try to avoid a rate increase after an accident but if you were involved in an accident with another person, their insurance will report it to yours anyway. Also, as soon as you get a ticket, that will go on your driving record and you will not be able to hide it from your insurance.

If you are looking for a great auto insurance policy, look no further than Integra Insurance Services serving Huntington, TX. They can help you take a look at your options and find the perfect auto insurance policy to meet your needs and budget.

What Is Classified as an Antique Car for Auto Insurance Coverage?

At Integra Insurance Services, we know how valuable your vehicle is both to you and to the open market. If you own an antique vehicle, you need a special type of auto insurance plan for it. It’s always an important decision to have the right type of coverage for the specific type of vehicle you have. We also can help you to have a policy that meets your specific needs in terms of how you use your car. With the help of our team, we can help you have an auto insurance plan that’s competitively priced, too.

What Is an Antique Car?

The big question many people ask is what type of auto insurance policy is right for their older vehicle. The answer isn’t always simple. To be considered a classic vehicle, your car must be at least 15 years old. However, if your car is over 25 years old, then it is typically classified as an antique vehicle. If your vehicle meets these requirements, talk to our team about potentially saving on your auto insurance through a customized policy.

However, other factors play a role in what you will pay and the auto insurance you need. If you do not drive your vehicle, you may need less coverage than someone that drives it every day. At the same time, the policy should reflect the vehicle’s actual worth based on appraisals. That’s important for our agents to help you with.

Contact Us for a Quote

Integra Insurance Services provides auto insurance for Huntington, TX residents and those in the surrounding area. If you need classic or antique vehicle coverage or other auto insurance, let our team know. We’re happy to help you to get into a plan that meets your needs.

 

3 Things to Know Before Buying Auto Insurance in Texas

Technology has made it easier for drivers to connect with different auto insurance companies. Gone are the days of picking up a phone book to look for an agent that matches your needs. Companies like Integra Insurance Services represent drivers in and around Huntington, TX. Before picking out a policy, there are a few things to consider.

Ask Questions

Make sure you are prepared when you talk to an insurance agent. Your agent will be more than happy to address any questions you may have. Consider questions regarding your particular vehicle For example, should you find additional insurance if you have a larger vehicle? How will the history of your automobile affect your premium? Knowing what to ask ahead of time can save you time and money, especially when looking for auto insurance for the Huntington TX area. 

Medical Payments 

You will also want to consider what medical services will be covered in case you have to file a claim with Integra Insurance Services or any other company. In the state of Texas, coverage for medical services usually includes funeral and medical bills. It may also apply to passengers in your car or anyone injured in the accident. Talking to an insurance representative about these payments is important before you decide on your policy. 

Driving History

Another factor that will impact the cost of your auto insurance is your driving history. Every driver has a driving record that’s filed with the state. If you have collisions or tickets, this may cause a rise in your premium as the insurance company might see you as a risk. 

Consider these factors before deciding on a policy that’s right for you. 

 

 

When to Consider a New Auto Insurance Policy

If you’re like many people in Huntington, TX, your insurance policy probably doesn’t cross your mind. However, neglecting your needs will only come back to haunt you if you give it enough time. The time to find out more about your policy is not when a huge storm is coming or after you hear the break of your car window. Find out more about when to consider getting more coverage.

When You Buy a New Car 

Integra Insurance Services knows that even a new car doesn’t necessarily persuade people to switch coverage, unless they’re required to do so by the company that’s financing the vehicle. It’s often just easier to roll over your current policy then to consider adding more coverage. You may need more though — especially if the new car is more expensive or you plan to drive it more.

When You Decide to Use Your Car for Commercial Purposes 

If you start using your car more for business, then you’ll need to consider adding different coverage. This is not only good for company funds, but also for taxes as well. 

When You Have Liability Only 

Having liability only is not recommended for the majority of drivers in Huntington, TX, and it can be necessary to get better coverage so you can keep your funds intact and your life in order. 

When You’re Not Sure About Your Policy 

If you don’t know what your policy covers, then it’s the perfect time to consider getting new insurance. Unfortunately, most people aren’t sure of what they’ll get financial help for, which puts them in a position of panic at the worst times. Integra Insurance Services can change that. If you have questions about your policy, then give us a call today for more information.