When you are shopping for Texas Car Insurance you have many, many different companies to choose from. Whether you are shopping on line, on the phone, or driving around town your options are sky-high.  Texas Car Insurance agents are more than happy to answer your questions, go over your new purchased policy, and what all you are covered for. If you choose a large insurance company, many times it is hard to get through to actually speak to your agent, that is way these large firms have opened local agencies to better help their customers. These smaller insurance agenies are usually open 5 days week, you can also make appointments with your agent for late afternoon and in some occasions on the weekends. Making your payments each month have become alot easier with the smaller agenies. You don’t have to worry about sending your payment through the mail, you can just drive to your local agency and pay your premium directly to your agent or leave it in the drop box if the offoce is closed. In the end it is always a good idea to speak with a Texas Car Insurance agent before you sign anything, just to make sure you are getting the best deal that fits your needs. Just because you find a cheacp Texas Car Insurance company doesn’t mean they are the best for you. Do some research before you sign a contract with any company, even the large well known Texas Car Insurance companies.

As most of us know, discounts come pretty regularly when shopping for Texas Car Insurance. Some of us get discounts for unknown reasons, or the agent is just looking for a reason to pull you in. Texas Car Insurance is a requirement when driving down the road. Whether you pay $100 a month or $400 a month for you insurance policy, it is the law in Texas. When you are shopping for insurance its not necissarily how many discounts you do or do not qualify for its what your final price is going to be. You are the one paying for your Texas Car Insurance, so make sure you are paying for what you want. Below is a list of compiled disounts and questions to ask when you are shopping for Texas Car Insurance.

1. $1000 Deductible
2. $500 Deductible
3. Multiple cars on the same policy
4. No accidents in the past 5 years
5. No moving violations or tickets in the past 5 years
6. Driver Safety cources
7. Defensive and driver training classes
8. Security features on your cars
9. Low Yearly mileage
10. Driver and passenger airbags
11. Anti-lock Brakes
12. Automatic lights
13. Good Students with Good Grades
14. Multiple Policies with same company(Home and Auto, home and life, auto and life)
15. Students off to college and their car at home
16. Long-time customer

Remember this is your hard-earned money that you will be spending every month as long as you are driving around. Make sure you choose the company that is right for you, and also fits into your budget and covers you and your assets fully.

1. Before getting in your car each day or even once a week; walk around your car check your lights to make sure they are functioning properly, check you turn signals, and the fluid levels in your car.
2. Before you start your car after someone else has driven it, adjust your seat and all your mirrors, so everything fits to you.
3. Always out on your seat-belt and have your passengers buckle up also.
4. Its a good idea to drive with your headlights on even during the day, it makes it a lot easier for oncoming traffic to see you from a further distance.
5. Come to a complete stop at each stop sign. Count to 3 slowly to give yourself and others time to stop. Look in all directions before you drive through the intersection.
6. When you are at a stop light and the light turns green check all directions before pulling out. You wouldn’t want someone trying to beat the yellow light to hit you as you slowly pull through.
7. If you are driving on a two lane road that has a parking area on the right hand side try to stay to the center or the road to prohibit another driver from opening their door in front of your car and you hitting it.
8. Each time you stop for gas check your fluid levels in your car such as: oil, brakes, and transmission fluids.
9. If you happen to stall your car in the road, do not leave your car there, even if someone tries to talk you into it. Try to safely move your car out of harms away and call for help.
10. If you are in traffic try to stay at least 3 to 4 seconds behind the car in-front of you. You can check your distance by finding something on the side of the road that is not moving like a street sign or a bridge. When the car ahead of you passes your object cunt to see how many seconds it takes you to pass the object. If it is less then 4 back off or slow down a little bit.
11. If you see flashing lights from an unmarked police car, do not pull over until you get to a public area or a local police station. If this happens just turn on your hazard lights, slow down, and get to a public place.

When you are looking for new Texas Car Insurance, make sure you do your homework. Make a list of the companies your are interested in. Also, check to see what discounts they offer, which ones you might qualify for, and how much money you could be saving. Some Texas Insurance Companies are dropping their rates newarly 10% starting in 2008. This is supposed to help the policyholders save more money in the upcoming year. Another rule of thumb when searching for Texas Car Insurance is to check the companies complaints. Look the perspective company up online and see what you find. Keep in mind, you may find that some companies have more complaints against them over longer periods of time then others.  You may save more money with a smaller firm, than with a larger one. Reason being, is because the smaller firm is wanting your business for them to grow. The more you know about each company you are interested the money more you will be likely to save yourself. Always be prepared for the unknown. If you ever have any questions or concerns about your existing policy or a policy you are interested in purchasing, don’t hesitate to call your Texas Car Insurance agent. He or she is willing to help you.

Most states do NOT require comprehensive coverage, but as a Texas Car Insurance policy holder it is a very wise decision. Insurance is a very wishy-washy subject for most Texans, meaning that not everyone understands their Texas Car Insurance policy to the fullist. Most of us have insurance, but do we have enough to cover us in a serious accident? What if our car is stolen. vandalized, are parts of our car are stolen? Without Comprehensive coverage you could be looking at paying for most of the damages out of pocket. Comprehensive coverage is not mandatory in many states, but will cover you even if the weather damages your car, for example, hail, flooding, and earthquakes.  In the event your car is stolen your Texas Car Insurance company will only pay you what the car is worth, which may or may not be the dollar amount that you owe. It is important you are covered in all instances.  

Most states require that you carry the least minimal insurance, which is Liability Insurance.  This covers you in an at fault accident. Meaning you caused the wreck, and now you are financially responsible to pay for the damages.  If you don’t have much to lose then this is going to be your cheapest way to cover yourself in insurance. On the other hand, if you have alot of assets, you don’t want to lose them in a personal injury court, so you had better get more insurance than just the bare minimum.

Most states don’t require Personal Injury Protection, but it is a good idea to include this to your policy. What this does is cover you and your passengers for medical expenses when you are involved in an accident. Another reason people add this to their policy is because they may not have health insurance on themselves.

What happens if you are involved in a wreck with someone who doesn’t have ANY Texas Car Insurance? When shopping for car insurance, and Uninsured and Underinsured Motorist to your policy. This will cover you if you are involved in a hit-and-run, someone hits you without insurance, or the other party doesn’t have enough insurance to cover everything. It’s better you cover yourself that way you know that know matter what happens you will be covered.

Comprehensive and Collision Insurance is also another great idea to add to your Texas Car Insurance Policy.  Comp Insurance will pay if your car is vandalized, stolen, caught on fire, or hail damage. The collision will cover you in an accident whether it was your fault or not. It will also cover you if you happen to hit an animal.

There are lots of ways to save money on your Texas Car Insurance.  As you already know most Texas Car Insurance give discounts for good drivers, different types of safety features, and so forth. You can also lower your Texas Car Insurance premiums by buying certain types of cars. Everyone likes to save money so here is a list of cars that might save you money on your Texas Car Insurance, when you are ready to purchase a new ride.

• Honda Accord
• Honda Civic
• Toyota 4Runner
• Volkswagon Jetta
• Chrysler 300
• Ford Mustang
• Toyota Camry
• Chevy Corvette
• Mercedes-Benz
• Chevy Tahoe
• Land Rover Range Rover

Be sure you shop around for the best deals out there. Also, your Texas Car Insurance Agent will be able to help you save more money.

Calling all pilots…this one is for you. Texas Car Insurance companies have teamed up with pilots. You can now save money if you own, rent, or lease an airplane that YOU fly.  Some customers are finding that they save over $350.00 a year on this type of policy. You not only have great Texas Car Insurance, but you can also have peace of mind while you are in the air.

You can get reimbursements up to nearly $1000 towards other means of transportation if your aircraft leaves you stranded or breaks down. What happens if you car is vandalized, hit, or stolen in an airport parking lot?  This policy will waive half your deductible if your car is “messed up” or “abused” while on airport property.

How about this….you will also be covered for travel and medical assistance. Please talk to your professional Texas Car Insurance agent today and find out how you can save on your Texas Auto Insurance is you have a Pilot’s License.

Need some extra money? Ever thought about leaving the keys in your car in a rough part of town, hoping someone would steal your car. This is against the law and you will be punished. Most Texas Insurance companies call this a “give-up”.  When you give up you car to be sold for parts, or resold to an unknown person, could land you in serious trouble, paying outrageous fines, and jail time.  There are hundreds of these claims each year, and many people are fined lots of money. No matter what you do, always be honest. Trying to fool your Texas Car Insurance may give you money on a fraudulent claim, but you will be paying back your state, as well as, you insurance company. After all the fines are paid, you will still be in the need of extra cash. Back to where you started, and by now you are probably going to need lots of cash. Don’t put your self in this situation. 

Since the weather in Texas is hardly predictable it is still a good idea to make sure your car is ready for the winter season. One February morning you might wake up and its warm enough to wear shorts and sandals, then next morning you may need long-johns, gloves and a hat to stay warm. This is just one of the many reasons why you need to be prepared in every situation. Just in case you are not sure how to make your vehicle safer in the cold weather here are a few tips that should help you out.

1. Worn down wiper blades can cause lots of problems. Make sure you replace your blades when they become worn. Also check to make sure your fluid if full and your antifreeze is full.
2. Have gas in your tank is also important. Remember to keep your tank at least half full to prevent moisture freezing in your gas lines.
3. Make sure your tires have the correct amount of air. Yu may lose tract due to the cold weather.  Since we live in Texas we don’t get much snow, but if you plan on traveling for the holidays to a place where snow comes in abundance, investing in tire chains might help you out.
4. Remember to check your car’s battery. Cold air also causes your battery to lose capacity. If your car battery is older than 3 years, have it checked by a technician.
5. Make sure you keep your cell phone charged, or invest in a car charger. If you have car trouble its easier to sit in your car and be safe then to venture outside against the elements.
6. Keep a winter emergency kit in the trunk of your car. Fill it with a lighter, candle, flashlight, food, water, ice scraper a change of warm clothes, and a blanket. You might also want to include a First Aide Kit to be on the safe side.
7. Purchase a De-Ice solution, which can be found at a number or auto and discount stores. Keep in mind if you leave it in your car, and your locks freeze it won’t do you any good.
8. Check all you car’s lights. If your driving in the snow or in a heavy fog and one or more of your cars lights have burned out, this could cause an accident. Make sure your car stays visible.
9. What if you have a flat when its cold outside? Do you know where your spare tire is? Do you even have a spare tire or the tools needed. Before venturing out, familiarize yourself with your car. Find your spare, or purchase a new one, make sure you have a jack and the tools to change your tire. Its also a good idea to practice. Pretend you have a flat. Actually change your tire.
10. Remember, if there is ice on the road it will take you longer to slow down or stop if you have to. Start slowing down ahead of time to prevent accidents. Pay real close attention to intersections. Just because you know it takes longer to stop, doesn’t mean everyone will be paying close attention.

I hope these 10 tips will help you in this crazy Texas weather we have each and every year. Happy Hoilday!!!