Category: Auto Insurance

In Texas, the law requires all motorists to show proof of financial responsibility if they are involved in an accident while driving. This minimum coverage includes liability auto insurance which will pay to repair the other driver’s car if you cause an accident. It also pays the medical bills and some other expenses of the other driver and his or her passengers. You must have at least $30,000 of coverage for injuries per person and up to a total of $60,000 per accident. You must also have at least $25,000 of coverage for property damage. This is called 30/60/25 coverage.

Many drivers in Texas also carry uninsured and underinsured motorist coverage which means if you are involved in an accident caused by someone who doesn’t have insurance or they don’t have enough insurance to cover your medical bills and car repair bills, this policy will kick in and cover you. It also covers your vehicle if you are the victim of a hit-and-run accident and do not know who the other driver is.

You may also ask for more auto insurance coverage, such as collision insurance. This pays to repair or replace your vehicle after a crash no matter whose fault it is and comprehensive auto insurance pays to replace your car if it is stolen or damaged by some kind of disaster, such as a fire, flood, or vandalism. Personal injury Protection coverage and medical payments coverage are similar and will pay you and your passengers’ medical bills. Personal injury protection also pays you for things like lost wages and other non-medical costs if you are involved in a crash.

There are many add-ons to insurance policies that you can obtain, such as towing and labor coverage to get your vehicle fixed when it is undrivable and rental reimbursement coverage that allows you to pay for a rental car if your vehicle is stolen or while it’s being repaired after an accident.

Enlisting the help of an experienced and knowledgeable insurance agent is the best way to find out which auto insurance coverages you need for you and your situation. The insurance agents at InsureUS in Cypress, TX are ready to serve you and all of your auto insurance needs. Call for an appointment today!

Whether you drive a big truck or a small car, everyone can benefit from making the most of their gas mileage. Sometimes, people think they’re doing everything they can to get good gas mileage, but they may not realize there a few tweaks here and there that could make a big difference. Especially in the summer when you might be going on road trips near Cypress, TX, you’ll want to do your best to get good gas mileage, so continue reading to learn some tips from InsureUS.

1. Stay within the speed limit

2. Avoid rooftop cargo boxes; haul cargo behind your vehicle and remove rooftop boxes when not in use

3. Clean out your vehicle, and don’t haul around extra weight

4. Don’t let your vehicle idle for more than ten seconds

5. Take advantage of cruise control

6. Drive sensibly; avoid sudden stops and starts, and don’t accelerate when you will soon need to slow down

7. Regularly check and maintain your engine

8. Keep your tires at the correct pressure for your vehicle; check them often, especially in extreme temperatures

9. Use the oil that is recommended for your vehicle

10. Combine trips and plan stops so you don’t backtrack

Simply making a few of these suggested changes can improve your vehicle’s fuel economy, and if you make an effort to change in many areas, you will start to see a big change. Another great way to save when you have a vehicle is by making sure you have the correct auto insurance for your needs. Talk to an insurance agent at InsureUS near Cypress, TX today if you have any questions about your policy.

This blog explores how getting married affects car insurance rates and coverage. In addition to lessening the likelihood of developing dementia or heart disease, getting married can lower your car insurance premiums. Insurance companies love statistics and statistics show that married couples simply have fewer car accidents. No one knows for certain the why behind this. Theories abound. The theories include married people drive less and they’re more stable and less risky. One study conducted in New Zealand drivers who never-married had twice the car accident risk of married drivers. For this reason, getting married usually results in a discount on auto insurance – even for males younger than 25 who normally get stuck with the highest premiums. To maximize your benefits, discuss your plan with your InsureUS representative in Cypress, TX. They can help you determine which method works best for lowering your rates. You could:

• combine auto insurance policies,
• add your spouse as a secondary driver,
• add your spouse’s vehicle to your policy,
• not add your spouse at all.

That last one may seem confusing, but if your spouse has a poor driving record, for example, a DUI or speeding ticket, adding them negatively affects your policy. Also, don’t combine if one of you recently experienced a gap in insurance coverage. A divorce results in the loss of these discounts.

We’re not saying run out and get married to lower your car insurance but do come talk to us at InsureUS in Cypress, TX a few weeks before or after your wedding. Also, come chat if you don’t already have combined or multi-policy car insurance and already married.

Here in Cypress, TX, you need to make sure that you at least have the minimum required auto insurance as dictated by state laws. However, here at InsureUS, we know that this amount is not always the best indicator of determining exactly how much you need in coverage. There are several things to consider when you are getting auto insurance and ways to lower the cost as long as you have the minimum coverage required by law. 

The first thing that you want to consider when you are determining how much auto insurance you need for your vehicle is the cost to replace or repair your vehicle. If you have a vehicle that is a new model or even one that is a bit more expensive than your average vehicle, you want to at least have coverage that can replace your vehicle if it were to be totaled or to repair it if you are in an accident. Next, you want to make sure that you can cover the deductible on the coverage. You should think about the deductible amount and make sure that you can pay that at the drop of a hat. If you cannot, you may want to lower the deductible on your coverage. If you can, you may want to increase the deductible for as much as you can pay for out of pocket because this will lower your monthly amount. 

If you are in the market for auto insurance and want to make sure you get the right amount above the minimum requirements, be sure to reach out to us here at InsureUS, serving Cypress, TX. We will make sure that you get the policy that meets your needs and also fits well within your budget and law. 

There are some in society who are more than self-reliant and financially stable. Such persons are typically millionaires and can pay out thousands at the drop of a hat if they are involved in an at-fault accident. The rest of humanity, or at least those drivers in the United States, need an auto indemnity plan that covers costs associated with incidents on the road. InsureUs is your number one choice when you need car assurance in Cypress, TX, but what type of plan should you choose?

The Pros and Cons of Liability Insurance

Liability insurance is typically recognized as the bare minimum. The coverage ensures that your portion of financial responsibility is paid out in the instance of an accident. A liability plan does not, however, provide you with much protection. You cannot claim damage to your vehicle if you run down a stop sign. You can, however, expect the insurance agency to pay for costs associated with replacing the sign. Liability insurance comes at an economical rate, which is why many drivers are attracted to the option. Consumers financing cars typically do not have the choice to select liability coverage. 

The Advantages and Disadvantages of Full Coverage

Full coverage insurance is often the number one choice for new car owners in Cypress, TX. This plan usually comes with comprehensive and collision options that pay for everything from damages caused by inclement weather to vandalism. You can rest assured, in most cases, knowing that your car is covered regardless of whether a tree falls on it or a runaway animal cage puts a dent in your driver’s side door. Full coverage is the ideal choice when you want complete peace of mind. 

While there is always the option to go for the cheaper alternative, choosing full coverage is the better option when you want to make sure that you are insured. InsureUS can help you discover the best plan for your financial situation. 

There are many commonly held beliefs that get passed on from person to person regarding car insurance. While some of these beliefs have been around for decades, it does not mean they are necessarily true. Luckily, the experts at InsureUS, serving residents in Cypress, TX, are here to help.  We have put together a quick list of some commonly held beliefs about car insurance that are not true. 

The Color of Your Car Matters

A myth has been circulating for years that red colored cars cost more money to insure. This myth has probably started with the conception that most sports cars are red. Because sports cars are fast and the owners can be reckless, the idea is then that ANY red car will see a hike in premium. The truth of the matter is that most insurance companies will not even ask what color car you have. Companies are more concerned with knowing the year, model, engine size, and safety features the car may have.

Speeding Sports Cars

The idea that sports cars cost more to insure because the drivers of them typically get more speeding tickets is completely false. In a survey conducted, the majority of speeding tickets are dished out to people driving sedans or SUVs. In fact, on the list of the top ten cars that receive speeding tickets, there was only one sports car mentioned. Insurance rates are determined by driver history, the type of car and the features the car possesses.

Thieves

Another commonly held misconception is that car thieves only want to steal new cars. While a new car may look enticing to a potential burglar, the truth is that older cars are typically stolen more often. This is because people are holding on to their cars longer and older stolen cars can be sold for parts. If you are expecting your insurance premiums to go down because you have an older car think again! There are many other factors that come into play when determining your car insurance premium. 

Luckily, if you are located in Cypress, TX, the experts at InsureUS are here to help.  We are available to answer any questions you may have to get you on the path to understanding the truth about car insurance.