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Texas State Low Cost Insurance employees talk about auto insurance in Spanish

(Best Syndication) Auto insurance is one of those requirements for driving a car, along with a valid driver’s license. Although indemnity obligations may vary, every state except New Hampshire requires some sort of policy before you can drive on public roads. In California, drivers may have their vehicle impounded if caught driving without the basic coverage. Typically, drivers are required to cover the loss and damage to the other car. The obligatory policy protects the “third party” and the financial consequences of their loss, damage or injury caused by your vehicle. Most of the time it is optional to cover your own vehicle against damage. Of course the law may vary according to state, so check with your insurance broker to determine your minimum requirements. There are a number of factors that determine the insurance rate. Age, driving record and type of car help underwriters calculate the risk to the insurance company and the premium amount. In some instances, the rates may be set by law. When the premium is not set by the government, insurance companies usually determine the rate from the calculations of an actuary based on statistical data. Since women get in fewer accidents, their cost of coverage may be lower. But if the woman drives long distances to work, this may adjust the rate upward. Liability insurance covers claims against the specified car owner and those who may drive the car. The coverage may exclude others at the policy holder’s address unless they …

Another one of those hilarious Lincoln Auto Insurance Commercials, like Eagle man but weirder (if you can believe that!)

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You can use these internet quote forms to get policies for yourself, and for everbody in your family. You can even research all of the available car insurance discounts you may qualify for. How do Insurance Companies Set Preiums? Well, your own premiums will depend upon a variety of unique…

This video is for clients of our office. Individual policy coverage may differ from that discussed. Please call us for your specifics.

Storm season has begun, and we all know that severe weather can cause enormous property damage to your home. It can also do the same thing to your car. In fact, the number of cars damaged by storms has nearly doubled over the last five years, and experts say it is going to get worse. What can you do? Take a look at your insurance policy.