Tips When Purchasing Texas Auto Insurance

Purchasing auto insurance can seem overwhelming at first glance. From determining the right amount of coverage to establishing the appropriate auto coverage options to carry, car insurance can be a daunting task even to the best planners. However, here at Versatile Insurance Planners located in San Antonio, it’s our passion to advise car owners on what to look out for when shopping for car insurance to make an informed decision. That said, below are tips to consider when shopping for car insurance in Texas.

Shop for car insurance before going to the dealership

It’s a smart choice to purchase car insurance before heading to the dealership. Otherwise, you may not be able to drive your car away from the lot because auto insurance is mandatory in Texas. But for you to purchase car insurance, you need to arm yourself with the below ahead of time:

  • Have a make and model in mind
  • Understand the auto coverages you need
  • Compare quotes from several insurance companies

While you can still get auto insurance from the dealership, this isn’t the ideal choice if you are looking for affordable car insurance. For instance, if your car is being financed, the lender may only offer car insurance options from one or two companies, limiting your chance to explore various discounts provided out there.

Understand factors affecting your auto insurance premium

This is very crucial when looking to lower your auto insurance premium. While factors out of your control, like your age, gender, occupation, and model of your car, determine the car insurance premium, factors like credit rating and driving record are within your control. As such, you can work towards being a responsible driver to lower your car insurance premium. 

Understand legal requirements

Just like most states, Texas requires drivers to carry minimum liability coverage. While it’s essential to observe the state’s minimum, your agent should advise on the right amount of coverage you should have for optimal coverage. Again, liability coverage only covers third parties and not you or your car. That said, ask your agent for different auto coverage options to obtain all-around protection.

Where to buy auto insurance in San Antonio, TX

If you are looking for auto insurance, please contact Versatile Insurance Planners. Here, we will introduce you to various auto coverage options and help you chose those that meet your unique needs.

What auto insurance coverage should I have

Auto insurance is a type of insurance that can be tailored to fit the need of the customer. It consists of several different basic parts and additional add ons that make it fit your particular needs. Some insurance is required by the state of Texas to comply and having a trusted insurance agent who makes sure you have the required coverage is important. In San Antonio, TX, Versatile Insurance Planners is your local independent agency. 

You definitely must have the means to pay for any damage to people or property that results from an accident where you are at fault. Most people chose to carry insurance to take care of those requirements. You need to have 30/60/25. The medical coverage for injuries is $30,000 per person and $60,000 per accident and $25,000 for property damage. This is pretty basic and if you have assets you should consider a higher liability limit. 

If you have an old or low-value vehicle, this may be all the coverage you should have. If however, you count on your vehicle to get around or have a loan or lease, you may need to have collision and comprehensive auto insurance. These two types of insurance protect your vehicle. If you have an accident where you are at fault you need to repair your own vehicle. Without collision insurance, you will have to pay for the repair yourself. 

Comprehensive insurance protects you from bad things that happen to your car that are beyond your control like a hail storm, a limb from a tree falling on your car, and other perils listed in your policy. You can choose to add on things like gap converge and roadside service. 

If you live in or near San Antonio, TX Versatile Insurance Planners can help you to make sure you have the auto insurance you need. Give our team a call and make an appointment for a sitdown with us to get a no-obligation quote. 

How can I choose a San Antonio auto insurance policy?

In the San Antonio, TX area, owning a car is a necessity for a lot of people. Without one, getting to work, school or get around town can be very challenging. When you are looking to purchase a car here, you should spend time also considering your auto insurance policy. There are several tips that you can follow that could help you to choose a new auto insurance plan that is best for your situation. 

Consider Coverage Needs

One factor to consider when picking an auto insurance policy is your coverage needs. All people in Texas need to at least get the minimum level of auto liability insurance. Beyond that, those that have taken out a loan or want to protect their investment in their car should also get a full collision and comprehensive insurance policy. This will ensure you are covered if the vehicle is stolen, damaged, or destroyed. 

Consider Deductible Level

When you get auto insurance with a collision and comprehensive policy, you should also consider your deductible level. The deductible is the amount of money that you will need to come out of pocket before a claim is paid. Deductibles can range from $0 to thousands of dollars. While higher deductibles result in lower premiums, you do need to make sure that you have the funds set aside to pay the deductible if you do need to file a claim. 

There are plenty of choices that need to be made when you are looking for a San Antonio, TX area insurance policy. The team at Versatile Insurance Planners can make this process easier for you. When you do call Versatile Insurance Planners you will receive the guidance and support that is needed to choose a policy that meets your needs. 

Is It Time to Update Your Vehicle’s Insurance?

If you’re like most people, you may be renewing your auto insurance automatically without taking the time to review your policy. If you’ve had changes in your lifestyle, however, your old coverage may no longer provide the protection you need. Talk to your Versatile Insurance Planners agent about changes in your personal situation to see if you need to update your auto insurance policy.   

Here are a few examples of when an update may be necessary to maintain the protection you need.

Add a New Driver to Policy

If your teen recently got his license, you’ll want to update your insurance to add him or her to your policy. This way he or she will be fully protected by your coverage in the event of an accident.

Marriage

If you’ve gotten married, you’ll need to update your insurance if you want to add your spouse to your policy. Putting your spouse on your policy could qualify you for a multi-car discount to reduce auto insurance costs.

Move to a New Location

A move to a safer part of town could qualify you for reduced premiums on your auto insurance. If you purchased a home in your new location, you can bundle your home and auto coverage to save even more. If you moved to a new state, we’ll make sure your coverage meets the minimum requirements of your new location and that you have all the protection you need.   

Change of Vehicles

If you purchased a new vehicle in San Antonio, TX, you’ll need to add your new car to your policy. You may even want to increase your coverage to fully protect your new investment. We’ll work with you to determine how much protection you need.

To update your auto insurance in San Antonio, TX, contact Versatile Insurance Planners today.

Is it time to upgrade your auto insurance plan?

Some purchase auto insurance plans in San Antonio, TX and never look back. There are many benefits associated with paying your monthly premium on time. You can, however, benefit from having auto insurance, even more, when you monitor your insurance rates and upgrade as necessary. The agents at Versatile Insurance Planners can help you determine when it is time to update your coverage so that you are fully protected. 

What makes a good insurance policy?

The best auto insurance policies meet the state’s minimum requirements while also protecting your personal finances from detriment in the instance of an accident. Texas is not a “no-fault” state, which means that drivers are expected to take responsibility for damages they cause in an incident. 

At a minimum, drivers should show proof of at least $30,000 per person worth of coverage for bodily injuries ($60,000 per accident). Drivers should also provide proof of property coverage that pays at least $25,000 per accident. 

In addition to the state minimum, San Antonio TX drivers should also consider uninsured motorist protection along with higher policy limits. Choosing higher policy limits raises the monthly premium, but such an amount may prove beneficial if you have an accident that causes substantially more damage than the state’s minimum requirements. 

When is it time to upgrade?

You should consider upgrading your policy if you have purchased a new car. It may be necessary to increase your policy’s limits to accommodate the new purchase. You should also consider an upgrade if you add a teen driver or have recently moved. 

There are times when an upgrade to your policy alone is not enough. It is during these times that you may want to consider going with another provider altogether. The agents at Versatile Insurance Planners can help you find an auto insurance plan that best fits your lifestyle. Call them today if you need to upgrade your indemnity plan. 

Why It’s Time to Review Your Auto Policy

Buying a new car is an exciting event, and it’s likely that when you selected your policy for that new vehicle, you did a thorough review of all of the features and benefits. As time goes on, it’s typical that owners simply renew their current policies without too much of a review. It may have been years since you’ve done a full review of your auto policy, and it may not meet your current needs. Versatile Insurance Planners is here to help the greater San Antonio, TX community with all of their insurance needs. An annual policy review is a great idea for all insurance types!

  • Value of your car — your car has likely decreased in value now that it is older and has more miles. Make sure that you have adequate collision and replacement coverage in the event that it is deemed a total loss.
  • Driving habits — have you changed jobs and now have a shorter commute? Or has something in your life changed and you are now driving your vehicle a lot more? Let’s take a look and make sure your policy protection is consistent with your current driving habits.
  • People using the vehicle — teenage drivers require a different level of insurance coverage than experienced adult drivers. If you have added or dropped a teenage driver, you’ll want to update your policy coverage.

Let the team at Versatile Insurance Planners help you with an auto policy review. It’s important that your San Antonio, TX area car is fully insured with the right type of coverage. Life changes, and it’s easy to overlook the need for an annual policy review. Give us a call today and let us help you make sure your current auto policy provides the appropriate protection.

How Much Car Insurance Do You Really Need?

If you want to protect yourself, you need to know the basics of the different types of auto policies. Whether you are driving an old beater or a brand new car, you have considerations to make about which policy will prove the most valuable to you. The primary categories of car insurance are basic, extended, and premium. Versatile Insurance Planners of San Antonio, TX will examine all of your options and answer any questions that you may have about the policy that is right for you. 

Basic Auto Insurance Policy

Three basic types of auto insurance include:

  • Collision – This covers any damage that occurs to your car that is your fault. Sometimes you may be driving an old beater and decide not to use this coverage and retire the car instead because the deductible may outweigh the actual value of the vehicle.
  • Liability – Doesn’t protect you but protects anyone that you are "at fault" for hitting including property and bodily damage.
  • Comprehensive – Recover damages from theft, fire, or natural disaster.

This is the bare minimum in insurance that most can’t risk not to have. 

Extended Auto Insurance Policies

After you have your basic policy covered, you may decide to add on additional policies. Here are some options:

  • Guaranteed Auto Protect (GAP)
  • Medical Expense Coverage (MedPay)
  • Uninsured or Underinsured Motorists
  • Personal Injury Protection (PIP)

Premium Auto Insurance

Sometimes this is called full coverage. If you have a car with a loan, you will be required to have this policy with the bells and whistles included. Here are some things that may be included in this policy.

  • Rental Reimbursement
  • Original Equipment Manufacturer (OEM) Coverage
  • Mechanical Breakdowns
  • Custom Equipment Coverage
  • Roadside Assistance
  • Umbrella Insurance
  • Glass Coverage

Versatile Insurance Planners in San Antonio, TX has You Covered

We will ensure that you don’t spend more money on coverage than you need. We work with several insurance companies so that we can get you precisely the right kind of insurance that you need that is most valuable to you and your lifestyle. To find out more, visit our office or give us a call at  210-858-9860. 

 

Choosing a Car Insurance Provider

Whether you want to change your car insurance or just purchased a new car, you now need to shop around for insurance. You want a company that’s reputable, among other assets. At Versatile Insurance Planners, serving San Antonio, TX and the surrounding area, we desire to educate individuals looking for insurance on what to look for in an insurance provider.

Level of Coverage

Before you begin the process, you want to choose how much coverage you need. You also want to consider how new your car is and the funds you have if you should happen to need to make repairs or purchase a new one. At this point, you should also take into consideration if want your insurance to cover natural disaster and theft. Keep in mind, not all insurers offer the same level of coverage. 

State Insurance Providers

If you visit your state’s department of insurance, you can find a list of providers who serve your state. You’ll want to narrow down your options to the ones who offer the level of coverage you desire.

Check Reviews Online

Often, one of the easiest ways to compare insurance providers is to search online for reviews. You’ll find information regarding the experiences that previous customers had. You may want to look them up on the Better Business Bureau’s (BBB) website to see if they’re accredited and if they have any disputes against them. The AM Best Company offers information regarding the financial strength of an insurance provider. 

Get a Quote

The next step to comparing car insurance providers is to get quotes from different companies that had high ratings and the level of coverage you require. 

Contact Versatile Insurance Planners, serving San Antonio, TX and the surrounding area, for a quote for insurance by contacting us at 210-858-9860.

 

Influencing your car insurance rates

Insurance companies have a basic rate they charge for automobile insurance.  The State of Texas requires basic liability coverage, and you may want comprehensive and collision if you have a newer car or are still paying off your vehicle.  While they are some basic rates, there are several things in your life that can affect how much you will pay. VersatileInsurance Planners in San Antonio, TX can help you put yourself in the best light and get you the coverage you need.

Where you live, or where you drive the most, is one of the major factors in determining insurance rates. Your credit score is also very important and is often the biggest factor in determining how much of a discount you qualify for.  The age of the primary driver is also a major consideration. Teenagers cost more because they have more accidents.

A driving record can also have an influence on how much your insurance will cost. Speeding tickets or moving violations will make you seem like a greater risk so your premiums will cost more. Some offer discounts if you have not had an accident in several years.

The type of car you drive will also affect your rates, as well as the value. Some cars are stolen more often than others. Whether the car is used for business is another factor. Some other factors include your occupation, whether you are a parent, and whether you are a homeowner. Whether you have a garage or park on the street, is yet another consideration.

Visit or call Versatile Insurance Planners of San Antonio, TX today to find out how you can get the best car insurance for your situation. You may also use our online tool to help you get an idea of what the insurance will cost.

 

What to do with your vehicle after an accident

You have had a crash while driving your vehicle. Fortunately, everyone seems to be unhurt, and you have exchanged all the information you need with the other driver. Now comes the question of what to do with your vehicle. Versatile Insurance Planners, serving San Antonio, TX, strongly advises that you take your vehicle to a body shop immediately to have it evaluated, preferably by having it towed.

To be prepared for such emergencies, you should have a membership with an auto club such as AAA. The annual fee will likely pay for itself the first time you have to have your vehicle towed to a garage or body shop.

You may be reluctant to take your car to the shop immediately after an accident, especially if it seems to have just sustained a scratch or a minor dent. However, the kinetic energy that a car crash creates can cause a lot of hidden damage to your vehicle. The frame or undercarriage may have become so compromised that taking it on the road can cause a catastrophe at the next sudden stop or bump on a pothole. If the initial crash does not hurt you, this kind of accident just might. At the very least, the damage to your car may be exacerbated, increasing the cost of repairing it.

A trained and experienced body shop technician can evaluate your vehicle and tell you what needs to be done to get it back into a drivable condition and, most importantly, how much it will cost. While this process is happening, you can get into a rental car and be on your way.

If you have any questions concerning car crashes or about auto insurance in general, contact Versatile Insurance Planners, serving San Antonio, TX.