How Much Auto Insurance Do You Actually Need?

It doesn’t matter whether you drive a brand new BMW or a late model Ford – you need to have the appropriate auto insurance to cover you in the event of an accident. If you are in the Huntington, TX area, and need help with your auto insurance questions, contact us at Integra Insurance Services where a friendly and knowledgeable team member will be happy to assist you. 

How Much Insurance Do I Need?

Generally speaking, the amount of coverage needed really depends on each individual’s unique situation. For instance, if you have teenage kids that have just started driving you’ll want to make sure you are protected from everything like a minor fender to a major accident. Keep in mind, that the higher the deductible you choose for collision and comprehensive the less expensive your policy but the more money that you’ll have to shell out upfront before the insurance company takes over. For instance, if I’m in an at-fault accident and the cost to repair my vehicle is $5000 and I have a $1000 deductible I have to pay out the first $1000 before assistance from the insurance company. The great thing about insurance is that there are a number of discounts you may qualify for. That’s why if you are in the Huntington, TX area it’s really important to call us at Integra Insurance Services so that we can determine if you qualify for a less expensive policy.

What About Liability Coverage?

You want to have enough liability coverage to protect your total assets. In short, liability insurance covers third party costs that you may sustain if you at fault in an accident. Without liability coverage, you are on the hook for costs to both the other person’s vehicle, lost wages due to injury, and even their medical bills. These costs add up quickly, so make sure you have adequate coverage.

How to Pick Auto Insurance in Texas

For people all over the Huntington, TX area, owning a car is a practical necessity. Without one, getting around town and to and from work could be very hard and inconvenient. If you are going to purchase a car in this area of Texas, it is important to carefully consider your auto insurance needs. There are several tips to follow that can help you to pick a good auto insurance policy. 

Consider Legal Requirements

When you are looking for an auto insurance policy in Texas, the first thing that you need to do is consider the legal requirements that come with having a car. Similar to other states, those that are in Texas need to have liability insurance whenever they are out driving their car on a public road. If you do not have this form of insurance, you could face legal ramifications. 

Think About Car Repairs and Replacements

When you are going to get auto insurance, you should also carefully think about how you would repair or replace your car. If you have a car that is worth a lot of money, it is important that you protect this asset and investment. One of the best ways that you can do this is by getting a full auto insurance policy on your car. 

When you are going to get a car in the Huntington, TX area, it is very important that you get good auto insurance. Having this form of insurance can protect you a wide range of different ways. When you are going to get auto insurance, you should reach out to the team at Integra Insurance Services. When you do call Integra Insurance Services, you can receive guidance and support needed to pick a policy that is right for your situation. 

Understanding the Basics of Auto Insurance

Auto liability insurance coverage is required in most every state. Legally, you have to have it, but do you understand what it is and how it works? Here at Integra Insurance Services in Huntington, TX want to help you understand just what insurance does for you.

There are many insured motorists that pay their premiums because they have to but many are unsure of what exactly they are paying for. While auto insurance coverage varies, there are some basics that are involved in nearly all policies. However, the amount of coverage also varies according to the policy you choose. 

Basics of Auto Insurance

When shopping for auto insurance, you will likely hear of these six different kinds of coverage:

1. Collision

Typically, collision coverage covers damage to your vehicle that is caused by a collision with another vehicle and things such as potholes whether you are at fault or not. If someone else causes the collision, your insurer will generally reimburse you for the damage caused, then try to recover that amount from the at-fault party’s insurer.

2. Uninsured and Underinsured Motorist

Sadly, not everyone covers insurance. Even worse, not everyone sticks around at the scene of a collision. Uninsured and underinsured motorist coverage is an insurance option you have to protect you during this time.

3. Medical Payments or Personal Injury Protection (PIP)

If people in the policyholder’s car are injured, this coverage should take care of the medical payments. It will also likely take care of lost wages and funeral costs associated with the collision, though you should always double-check with your agent on this.

4. Bodily Injury

Bodily injury is intended to cover injuries sustained by parties outside of the policyholder’s vehicle. There are usually state minimums, but many motorists opt for a higher amount of coverage in case of serious injury.

5. Property Damage

Similar to bodily injury coverage, property damage covers the damage done to other people’s property. In addition to vehicles, it may also cover damage to structures, lampposts, fences, telephone poles, and more.

6. Comprehensive

Comprehensive coverage is typically not a requirement, but it is popular. It is intended to cover events such as fire, vandalism, contact with animals such as deer, storm damage, and more.

If you are in the Huntington, TX area, Integra Insurance Services wants to make sure you get the coverage you need. Stop by or give us a call to get you covered today!

How Auto Insurance Can Protect You in Huntington, TX

Driving a car on a daily basis in the Huntington, TX area is very common. Those that need to drive a car may take for granted how important this asset is. While it is easy to forget how valuable and necessary your car is, you need to make sure that it is properly covered by insurance. For those that are in Huntington, having a quality auto insurance policy in place can provide many different types of protection.

Gives Necessary Liability Protection

All drivers take on a lot of responsibility whenever they get behind the wheel. If you happen to cause an accident that leads to damage or an injury, you could be found liable. Due to this risk, you need to make sure that you are properly covered with a quality liability insurance policy. This is a state requirement to drive legally and could prove to be very helpful if you ever are found to be at fault. 

Protects Your Car

Beyond the liability coverage, you will also want to make sure that your car is fully protected. If you drive regularly or have a loan payment, you need to make sure that you have financial coverage if your car is damaged during an accident, stolen, or vandalized. A full collision and comprehensive policy will give you this coverage and peace of mind. 

The next time you are looking to protect your car and reduce your liability risk, you should speak with the professionals at Integra Insurance Services. The insurance team at Integra Insurance Services knows all about the risks that come every day you get behind the wheel of your car. They can then help you to build an auto insurance policy that will allow you to mitigate some of these risks. 

The Different Types of Auto Insurance

You might not have realized it when you purchased a classic car like a 1963 candy apple red Corvette Stingray or decided to dedicate your van to work deliveries, but you need different insurance for that special vehicle than you do for the 2018 Acura you drive to work. Let Integra Insurance Services of Huntington, TX help you learn the difference between regular auto insurance, vintage car insurance, and commercial auto insurance.

Regular Auto Insurance

This insurance policy type covers your day-to-day ride. If you buy the state minimum coverage, you’ll have general liability coverage and bodily injury or death coverage for the other party involved in an accident you caused. It will also pay damages to their vehicle. The amount of this coverage depends on the state and its legal requirements.

If you add to the basic policy, you might add comprehensive, collision, PIP, uninsured motorist coverage or rental reimbursement coverage. Comprehensive reimburses you if your vehicle gets stolen, you hit an animal, etc. or it gets damaged by a natural hazard such as fire, flood, hail, etc. Collision covers your car if you hit a pole or a tree. PIP stands for personal injury protection and it pays for medical care for you and your passengers regardless of who causes the accident. Uninsured motorist coverage pays your medical costs if the other driver causes the accident but had no insurance. In some states, it also covers vehicle damage. Rental reimbursement coverage pays for your rental car if you have to obtain one due to an accident rendering your ride undrivable. This is the type of coverage you need for your day-to-day vehicle.

Vintage Car Insurance

Vintage car insurance pays for the replacement of your classic or vintage vehicle if it gets totaled. It also covers replacement parts for repair and the repair costs. It only allows the owner to drive the vintage vehicle for a very limited amount of mileage, normally to and from classic car events and in parades. This equals about 1,000 miles per year.

Commercial Vehicle Insurance

A commercial vehicle insurance policy covers all the same items as a regular auto insurance policy. It only covers your commercial vehicle though. You have the same options as with your day-to-vehicle.

Call or come by Integra Insurance Services of Huntington, TX and talk to us about your auto insurance needs. If you have more than one vehicle type, you need more than one policy.

How do you apply for a VIN for a kit car?

Building a kit car is fun and exciting but to complete the process you have to register the vehicle, get a VIN number, plate it and insure it. While it sounds like a lengthy process, it really doesn’t take that long and you will have everything you need as long as you take photographs and keep your original receipts. The agents of Integra Insurance Services in Huntington, TX can help you with the process and make sure your new kit car is street legal.

Making It Legal

In order to legally drive your kit car on the road, it has to be plated and insured. To get your plates you will have to have a VIN number. You can apply for a VIN through the DMV. You will need a Statement of Construction, a Certificate of Origin (if possible), and a thorough inspection to ensure that it is roadworthy and safe to drive. You will also have to have an emissions test performed to show that the vehicle meets EPA standards.

Getting the Right Insurance

When you build a kit car, you are investing a lot of your hard-earned money and valuable time in creating something that is both fun and exciting. Don’t let all of your hard work be for nothing. Talk to your local insurance agent and get the coverage you need to protect your investment. 

In Huntington, TX, call the agents of Integra Insurance Services. They can help you find the right policy for your new kit car and make sure you have all of the insurance you need before you hit the road for your first adventure. 

What to do After a Car Accident?

The two main things to remember directly after a car accident is to remain calm and call 9-1-1 if there are any possible injuries that could be severe. Several other items need your attention right away after a collision.

Stay Calm

When you keep your cool, it’s easier to think straight and make rational decisions. This will also help to avoid a conflict with the other driver involved in the collision in Huntington, TX. You can choose not to speak to the other driver at all, or you can small talk with them and it may calm everyone involved.

Keep Everyone Away From Traffic

If there are only minor damages, you can move the vehicles to be out of the way of oncoming traffic. If they are not moveable, turn on your hazard lights. If no one is injured, make certain that all passengers are off the road and away from any traffic for their safety.

Don’t Move Anyone with Serious Injuries

If someone incurs serious injuries, especially if it is to their spine or head, then don’t move them as it could make the injuries much worse.

Call the Police and 9-1-1

Texas state law mandates that you call the police in any accident that involves property damages or injuries. You will get a police report, the officer’s name, badge number, phone number, and the police report number. The report number is an important part of filing an auto claim with Integra Insurance Services.

Get Contact Information on Witnesses

If there are any third party witnesses, ask them to wait until the police arrive to be a neutral part and give their account of what happened at the accident scene.

Don’t Admit to Being at Fault

Don’t apologize to the other party, but instead just cooperate with the other driver and the police.

Exchange Information

Exchange information with the other driver. You should each provide each other with your full name, insurance provider, policy number and the phone number for the insurance company.

Contact your Insurance Provider

Call your insurance provider as soon as you can, especially if there will be claims or there are injuries.

We realize at Integra Insurance Services in Huntington, TX, that it can be quite unnerving if you are in an auto accident, and we are here to help you. You can use our online rating tool, come by the office or give us a call to discuss your auto insurance needs.

What Auto Insurance Do I Need to Have

Owning a vehicle is a major responsibility. Due to the importance of the asset, you need to make sure that you have the right type of insurance coverage in place to provide you with the protection that you need. For those that are in the Huntington, TX area, there are several factors to consider when getting a new auto insurance policy.

Minimum Requirements

At the bare minimum, you need to make sure that you have coverage that keeps you in compliance with the state laws. In the state of Texas, you will need to carry liability protection whenever you are out on the road. The state will require that you have property damage liability coverage of at least $25,000 per incident as well as bodily injury liability coverage of at least $30,000 per injured person with a $60,000 incident cap.

Collision and Comprehensive

While you are only required by law to carry liability coverage, you also need to consider getting collision and comprehensive coverage. Since liability coverage only provides financial protection to others involved in an accident, these additional types of coverage could be a necessity. This coverage will provide you with coverage if your car is stolen, damaged, or if you are at fault in an accident. This type of coverage will likely be required if you took out a loan to buy the car.

Deductible

Finally, you will need to consider your deductible, which is the amount of money you will spend out of pocket before receiving any coverage on a claim. While a lower deductible provides less risk, it comes with higher premiums. If you have a higher deductible, you should make sure you have this money set aside.

If you are in the Huntington, TX area and are looking to learn more about auto insurance, you should contact Integra Inusrance Services to learn more. Integra Insurance Services will help you to better understand your auto insurance needs and can help you to get into a great policy. 

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.