Getting and Comparing Auto Insurance Quotes

Whether you are getting an auto insurance policy for the first time or changing from one insurance company to another, it is definitely wise to get auto insurance quotes before deciding which insurance company and policy to get. Here are some key tips on getting and comparing auto insurance quotes, brought to you by State Insurance Solutions serving the Arlington, TX area.

Narrowing down the search

There are so many auto insurance companies and options available that it can get overwhelming and confusing as to where to start your search. Narrow down to a handful of companies that have great reputations. Look for companies that are highly rated by their industry and by satisfied customers.

Obtaining quotes

Once you have narrowed down to about five or fewer auto insurance companies, request quotes. You can typically do this online. Be sure you are comparing apples to apples by obtaining quotes that all have the same coverages and specifications.

Comparing quotes you obtain

Make a comparison between the quotes you obtain, looking at factors like total cost and what benefits you will receive for that cost. Keep in mind that the least expensive policy might not be the best option for you. As the saying goes, you get what you pay for, so consider the quality of coverage you will be getting for the amount you will be spending. Take your time while you compare policies, as the decision you make on which insurance company to go with is a big one.

Working with a trusted company can help to streamline your search for auto insurance, and that is where we come in. Feel free to contact us at State Insurance Solutions serving the Arlington, TX area if you need assistance with your auto insurance search.

What is Bodily Injury Coverage in Auto Policies?

The majority of US states require that drivers have liability insurance when they drive.  The key piece of this insurance is bodily injury liability coverage which covers the injuries and damages of others when you are deemed responsible for the accident.  This forms an important piece of financial protection for you and your family.  If there is an accident, the injured party’s medical expenses can rapidly escalate when you consider the realm of what that can entail (doctor’s visits, ambulance, MRI, surgery, physical therapy, etc.).  Also, there is a high probability that they will sue you.  This means legal fees, court costs, and a possible judgment.  The team at State Insurance Solutions works with Arlington, TX area residents like you and businesses to make sure that their client’s vehicles are appropriately covered when they venture out.  Before and after an accident, they are your partners when you drive.

One important part of bodily injury liability coverage to understand is that while it pays for the medical expenses and legal fees of others, it will not cover your medical expenses.  The most common policies will cite “25/50/25” or similar numbers.  This indicates the amounts the policy will pay out.  The first number represents $25,000 for one injured person in an accident with a $50,000 maximum for the entire accident.  The last number represents coverage of $25,000 for damages.  These are the limits for an average policy.  If expenses exceed these amounts, you will be held responsible. 

Unfortunately, accidents occur every day.  That is why you need the appropriate coverage when you and your family members drive.  The agents at State Insurance Solutions work with Arlington, TX area residents every day.  They will get you the coverage you need for a price that fits your budget.  Visit them today! 

The Benefits of Using an Auto Insurance Broker

Deciding who to buy your auto insurance from is a big decision. However, before you can even pick a company to work with, you need to decide whether you are going to work with an auto insurance broker or an auto insurance agent.

An auto insurance agent works with a specific auto insurance company. They present you the plans that are offered by their employer. An auto broker works for you. They can pull plans from a wide variety of companies, not just one, presenting you plans from various auto insurance companies.

There are many benefits to using an auto insurance broker over an auto insurance agent. Most agents are loyal to the person who signs their paycheck. They make their money selling you a policy through their employer, regardless of whether it is the best one for you or not. A broker makes their money by selling you plans as well. However, they make their money from you buying any plan. As such, they are loyal to you, not an insurance company. What this means for you is that most auto insurance brokers can help you find the best possible policy for you, regardless of what insurance company the plan is with. This ultimately means that the policy may be better for you than a policy that an auto insurance agent comes up with for you.

There are many benefits to using an auto insurance broker. If you are ready to try one out, State Insurance Solutions, serving the greater Arlington, TX area, would love to help you. Give us a call today for a free quote or to get answers to any lingering questions you may have about auto insurance brokers.

3 Hidden Effects of Drinking and Driving

At State Insurance Solutions in Arlington, TX, they know firsthand how tragic a drunk driving accident can be. Not only does it result in your license being revoked and having to have SR22 insurance, but it also can end in the death of a loved one for you or someone else. It is estimated that around 28 people die every day in the United States alone because of drunk driving accidents. Many people don’t realize that there are hidden effects that you can’t see that your drinking is causing. Some of these are just as detrimental to your health as getting behind the wheel. 

Hormones and Sexual Functions

Many people don’t realize that drinking alters several of your hormone functions, including testosterone. While it might not seem like that big of a deal on a drunk Saturday night, it can have long-term effects. These include impotence for some men. 

Risk of Serious Injury

There is more to fear than getting in an accident while drinking when it comes to injuries. Studies show that every drink you take increases your chances of getting injured, even in the comfort of your home. 

Your Insurance Will Skyrocket

At State Insurance Solutions in Arlington, TX, they know that drinking and driving lead to bills you can’t afford. First-time offenders don’t seem to realize the fines, license suspension, and insurance rates can put them in the poor house — not to mention the possible jail time. 

These are just a few of the hidden effects that drinking and drinking and driving can have on you and your bank account. Think twice before you drink and drive. Next time just might be your last. Contact us today to meet all your insurance needs. Agents are standing by to assist you. 

Can You Add Drivers to Your Auto Policy?

Your auto insurance policy is something that changes and evolves with the needs of the driver. There are some drivers that can have the same policy for their entire life and never need to adjust and then there are others that need to adjust far more often. Keeping this in mind, those that live in the Arlington TX area can contact the agents at State Insurance Solutions for more information.

For many that have children, the eventuality that they will need to add their children to their policy is always there. You can of course add drivers to your auto insurance policy at any time and you can also remove them. There are some stipulations however to prevent people from adding random strangers to their policy in an effort to get lower premiums. You must have a personal stake in the car that is on your policy or the person must live with you.

This means that parents can add their children to their policy or you can add your name to the car that you want to add in order to qualify it to be added to your insurance policy. Adding cars is a great way to get discounts on your premiums and to help reduce your monthly costs. You can also add drivers without adding a car by simply listing them as alternative drivers on the car that is being insured on the policy. This is a great way again to get discounts and to make sure that you do not have to add two or three cars to your policy when you only need to add a driver.

If you live in the Arlington, TX area and you want to know more about who you can add to your auto insurance policy or if you want to add drivers, you can always contact the agents with State Insurance Solutions.  

Driving When the Roads Are Icy

Winters in Arlington, TX include freezing temperatures and even the occasional snow. When there is ice on the road, it is best to avoid it. Delay your drive until the road conditions improve if that is at all possible. However, despite your best effort to avoid this type of driving condition, there may be times when you find yourself on an icy road. At State Insurance Solutions, while we advise against driving on ice, we also want you to know what to do should you encounter it on the road.

Safety Precautions to Take on Ice Roads

First, take it slow. Driving fast through the ice will not get you out of the situation quicker. In fact, it can make matters worse. When you travel at high speeds on icy roads, you are putting yourself, your passengers, and even other drivers at risk. Don’t go over 45 miles per hour on an icy road, not even a highway.

Secondly, if you must brake, do not press down hard on the brakes because this may cause your car to slide and get out of control. If you do begin sliding, the safest thing to do is turn you wheel in the direction that the car’s back side is sliding to regain control.

What to Do if an Accident Happens

In the unfortunate event that you are involved in an accident, try to move your vehicle to a safe place if possible and don’t get out of it until help arrives. Accidents on icy roads often happen in multiples and another car could lose control after the initial accident and hit you. Remain calm and give your agent at State Insurance Solutions of Arlington, TX a call as soon as possible. We are here to help.

Want to Stay on the Road? Rental Reimbursement Coverage Is What You Need

With a few notable exceptions, the United States is a car-oriented country. Having to take public transportation can often result in much longer, less convenient travel routes, especially in Arlington, TX. If you suddenly find yourself without a car because yours is in the shop after an accident, a rental car would be an obvious solution. However, the cost for one of those adds up over time. Your car insurance could provide a way to stay behind the wheel, though, if you have a type of coverage called rental reimbursement.

A Sort of Safety Net

Rental reimbursement covers a portion of your rental car costs if you have to rent because of an insurance claim. It doesn’t pay for rental cars if your car is undergoing regular maintenance or repairs. If you were in an accident, though, and you had to file an insurance claim, it would help you pay for a rental car.

Policies vary, but in general, this would reimburse you for a specific number of days up to a specific amount of money per day. You’d likely have to rent an economy car, which should be fine for the time your own car is undergoing work. It is possible that you would still have to pay part of the rental cost yourself, but your overall bill would be less expensive after applying the coverage.

Don’t Ignore This Coverage

Rental reimbursement is one of those additions that often gets dropped in order to save money. This isn’t always the best move as it leaves you unprotected if you need to rent a car. This type of reimbursement is like any insurance — it’s better to have it and not need it instead of needing it and not having it.

If you have a policy with State Insurance Solutions,  speak with your agent in Arlington, TX to see how much adding rental reimbursement coverage would cost — it’s usually not that much. If you find yourself trying to streamline your policy instead, to save money, your State Insurance Solutions agent can take a look at your policy and help you work out a better way to save without dropping coverage.

Make sure your medical bills are covered after an accident with this insurance

If you own a car in Arlington, TX, then you know how important it is to have good insurance coverage.  At State Insurance Solutions, we pride ourselves on offering a lot of options in auto insurance to our customers.  One of the most common options that our customers choose is to have insurance coverage for the medical bills that are incurred during an accident.  It’s important to understand exactly what is covered by these riders, however.

If you have a basic insurance policy, coverage is only provided for the victims of an accident that you cause.  This meets the requirements of Texas law, but it does not provide any coverage for you in the event of an accident.  Therefore, it’s highly recommended that people choosing this type of coverage have separate medical insurance with great emergency coverage.

Collision and comprehensive insurance will usually provide coverage for the medical bills of yourself, your passengers, and any other victims of an accident.  This coverage cap for some policies can quickly be reached in a major accident, however.  Once the coverage cap is reached, victims are legally allowed to pursue reimbursement from the at-fault driver in an accident.  This means that they can sue you to pay the remaining medical bills. Because of this, many agents recommend that their clients increase these coverage caps if their budget allows for it.

If you already have medical insurance, it’s important to note that your auto insurance can be used to fill in the gaps in this coverage.  

If you want to save money on your auto insurance, give the agents at State Insurance Solutions a call.  They have years of experience helping Arlington, TX customers find the policy that’s right for them.

Different Forms of Auto Insurance to Consider

There are some kinds of auto insurance that is highly recommended. These protect you not only while driving around Arlington, TX but anywhere else you might need to go. While there are other add-ons features you can consider, these are methods of coverage you really should consider. 

Liability Insurance

This covers you in the event of an accident and the accident is your fault (you are liable for it). The insurance coverage pays not only for you but for the vehicles you damaged. It also goes to help pay for medical bills associated with the accident. 

Comprehensive 

There are times where your vehicle is damaged and it has nothing to do with you striking another vehicle. There are plenty of examples for this. Perhaps you hit a deer while driving. Comprehensive covers this. If the vehicle is stolen or broken into, comprehensive covers this. If your apartment or condo residence has a faulty sprinkler head and it coats your vehicle in hard, calcium water that damaged the paint, comprehensive will cover this. Many accidents and auto damage occurs when it is only your vehicle. This is something to consider, especially if you live or work in an area of town that has a higher auto theft and break in risk. 

Uninsured/Underinsured

It is illegal to drive in the state of Texas without having insurance. That doesn’t stop people from driving through. If you are in an accident with someone who is uninsured or underinsured and it is their fault, you don’t want to be left with a damaged vehicle because of it. This form of auto insurance will cover the additional costs associated with repairing your vehicle when the person at fault is unable to do so. This makes it a recommended form of auto insurance in Arlington, TX. 

Contact State Insurance Solutions today to learn more about auto insurance in Texas.

Your Liability When You Lend Your Car to Others

It seems so innocent. A friend asks to borrow your car to go to the store to buy a few things. Yet, there is an accident on the way and it is a serious one. What happens?

Texas is an "at-fault," state.  This means that in the case of an accident, the person(s) who is responsible for causing the accident can be sued. It also means the owner of any vehicle can be sued, regardless of any personal involvement in the accident. The owner of the vehicle may have nothing to do with the accident at all yet, the owner is liable if the vehicle is involved in an accident.

If someone asks to borrow your car, do not agree to this easily. When you lend your car to others you are responsible for what they do while driving it. 

If the vehicle is involved in an accident you can be sued for damages or have a criminal prison sentence. This  is not common, however, it does occur.

Some states limit place limits on how much an absentee owner is responsible for if the vehicle they own is involved in an accident.

In a “fault state,” the party that is found to be at fault for an auto accident will be responsible for compensating the injured party for the amount he or she is responsible for. and this is made to protect the rest of the public.

How much the absentee owner can be held liable for and the amount of the claim against  their insurance is something of concern. The insurance might  cover it, but it’s still not fun to be sued for an accident caused by someone else, under circumstances not under the owner’s direct control.

Check with your agent at State Insurance Solutions in Arlington, TX to make sure you have enough auto insurance coverage and strong protection for such an unfortunate event.