Driving a motor vehicle in Texas requires different responsibilities. One of those is financial responsibility. To maintain financial responsibility, you’re required to have minimum liability insurance in the amount of $30,000 per person, $60,000 per accident and $25,000 in property damage coverage. Although Texas has one of the best mandatory liability insurance statutes in the country, minimum coverage just isn’t enough. $30,000 is about enough to cover somebody’s night in the emergency room and a couple of days in intensive care.

Minimum liability coverage doesn’t cover any of your medical bills whether an accident is your fault or not. It won’t cover damage or replacement of your vehicle, and It’s certainly not going to do anything to help you if you’re hit but an uninsured motorist because you don’t have any coverage for that either.

We’re independent insurance agents, and we live and work in or around the greater San Antonio area. As opposed to the agents for the mega insurers, we’re tied in with multiple insurance companies. Because of that, we’re able to give you choices on who your insurer will be, your coverage and policy limits and how premiums will be paid.

Because we maintain working relationships with so many insurance companies, we’re not influenced by any one insurer. The information we give you is objective and free from bias. We’re able to get the best quotes from all of the insurers we work with. That’s the type of information you want to make choices from. We can even customize an insurance package for you that’s suited to your specific needs.

If you’re window shopping and comparing car insurance quotes around Zip Code 78231, call us or stop by. We’re happy to talk with you.

Whether you are visiting Six Flags over Texas or San Antonio’s River Walk, there are many family-oriented activities to partake in as the weather warms in Texas. The second largest state in the United States, Texas is full of opportunities and communities that make it a great place to call home. 

The cost of living in Texas is affordable to many. From housing to car insurance, many people still have a healthy discretionary fund after paying their bills. However, every opportunity to save money is always welcomed. Whether you have personal or commercial auto insurance, the following contributes to the rate you pay for your insurance premiums.

You Pay More When You Drive More
Driving frequency is one factor many people do not consider when they are getting quotes for insurance. When you drive frequently, whether for a job or leisure, you encounter more risks. You can reduce the cost of your car insurance by carpooling or driving less each week.

Where You Live Affects Your Car Insurance Rates
As indicated above, the rate you pay for car insurance is determined by risks. The more risk factors you have, the more you will pay for your insurance. For instance, an individual with a learners permit pays more because they are inexperienced drivers. Individuals who live in areas with increased crime rates pay more for their car insurance since the potential for loss is greater in their area. 

Your Driving Record Can Help You Pay Less
It’s no secret that your driving record is critical to helping insurance companies determine what to charge for your car insurance. With a stellar driving record, you can reduce the cost of your insurance coverage in as little as a few years.

Our agents at our local independent insurance agency can help you determine what may be preventing you from getting the insurance rates you deserve. As an independent agent, we take our time with customers and answer all the questions they have about insurance. If you are in the market for new insurance, allow us to give you a quote using our quoting tool on our website or in our local office.