Houston - May Group, Houston - Memorial Dr, Sugar Land - Greatwood, Sugar Land - Sweetwater, Tyler
A great car insurance policy protects you and other drivers.
We can help you select the auto insurance policy and price that is right for you. We have access to all of the top auto insurance companies in the nation, giving you more options when choosing your car insurance.
Contact us today
Call: (281) 953-5200
Please note: coverage cannot be bound or altered online. A service representative will need to contact you to finalize your request.
What You Need to Know About Car Insurance
A great car insurance policy protects you and other drivers. So how do you know that your policy is really going to do its job when you need it? How do you know you are getting the best value for your insurance dollar?
There are several categories of car insurance to consider:
- Liability insurance covers other people and their property (including other vehicles)
- Collision insurance covers your vehicle and your passengers
- Comprehensive coverage is for damage not caused by collisions, such as fires, theft and animal-related accidents
- “Full coverage” is a combination of liability, collision and comprehensive insurance.
Note also that some states require “no-fault” insurance, in which each insurance company covers its own policyholders in case of an accident.
How is it possible for every insurance company to save you hundreds of dollars on your auto insurance?
You’ve heard those examples of a person saying "I saved $500 when I switched," but that doesn't mean everyone will save that much. Rather, that person’s situation happened to be a better fit for that particular insurance company. The reality is that rates do change—sometimes prices go down, sometimes up (and currently they are on the rise). However, the real secret here is that every insurance company has their own rating system. For example, one company may favor certain characteristics and thus rate them differently—from your age to the make and model of your car, to your mileage, and so on. Every auto insurance company is a little different.
When Should I Shop For New Car Insurance?
Any time is a good time! It all depends on your expiration date, and on whether your policy is actually in danger of expiring. Auto insurance policies will generally auto-renew unless one of two things happen:
The company cancels your policy. It might be because of non-payment, or it might be because you received too many citations or had too many accidents. Whatever the reason, it’s a common practice to give 45 days’ notice to let you know you’re being cancelled or “non-renewed.”
You cancel your policy. If you tell your car insurance company that you don’t want to be their customer anymore, the company has no recourse but to cancel your policy. Even if you cancel, though, you can usually get your policy reinstated (or at least get a new one) if you talk to them within a couple of days of cancellation.
Unless you or your insurance company cancels your auto policy, the main sense of urgency comes from quoting new car insurance and buying in time to qualify for the “early quoting” and “early binding” discounts.
How Do I Get Auto Insurance Discounts?
You want to make sure when you hit the road that you have adequately covered your risks with a car insurance policy that is right for you. That doesn't mean you have to pay a lot to do it! Part of matching your situation with the right insurance company also means examining the many car insurance discounts available to get you a better car insurance price. Auto insurance discounts are available for a variety of factors. We will consult with you to make sure we maximize your car insurance discount opportunities, including good student and good driver discounts as well as discounts for multiple vehicles insured. You could qualify for additional discounts if your car has airbags, anti-theft devices, and/or automatic seat-belts. Discounts are also available if you insure both your home and your automobiles with the same company.
Here are some additional ways you can save on your car insurance:
- Ask for a higher deductible
- Check the cost of insurance on a vehicle before you buy
- Bundle homeowners and car insurance
- Maintain a good driving history
- Reduce certain coverages on older cars
- Drive fewer miles
Get better car insurance and save money by using a local Leavitt Group Texas Select insurance agent.
We know cost is important, and so is your family's financial security. We all like a good deal, but a car insurance policy that fails to truly protect you is not worth the lower price you may have paid for it. Many states have "minimum" amounts of car insurance that a driver is required to have. Unfortunately, these policies are often simply not enough to protect your family's financial stability in the face of many types of car accidents (especially those involving multiple cars).
Our local auto insurance agents near you will help you select the right amount of liability coverage, personal injury protection, medical expenses coverage, and uninsured and underinsured motorist coverage. Because of our ability to match your needs with the auto insurance company that is right for you, we are often able to provide our clients with car insurance policies that provide increased and much needed coverage without adding significantly to the cost.
A Leavitt Group Texas Select insurance agent near you is there to make sure your car insurance does its job: keeps you protected in case of an accident. Contact us today to get a car insurance quote customized to your needs.
Some things to consider when choosing your car insurance
Here are a few tips for simplifying the insurance selection process and ensuring you have the right coverage:
Consider higher limits of coverage than the state-required limits.
If you choose the minimum coverage required by your state for car insurance, you may not be fully covered in an accident. For example, if your property damage coverage is $15,000 and you cause $25,000 worth of damage, you’ll have to pay the remaining $10,000 out of your own wallet.
Tell it like it is.
Insurance companies do verify driving records before issuing a car insurance policy, and this can affect the price of your auto insurance. In order to obtain the most accurate quote and to make sure you are matched with the best car insurance company for your situation, let us know about any speeding tickets, moving violations, and past accidents.
Pay attention to the total package.
Consider price, coverage, convenience, and customer service. Since every insurance company is different, you’ll want to decide what is most important to you, and communicate this to your Leavitt Group Texas Select insurance agent so they can help you choose the company and the car insurance policy that meets your specific needs.