Did you know that insurance providers use your driving record to calculate your auto insurance premiums? Being an aggressive, reckless, and unlucky driver In Amarillo, TX can cost you more than you can imagine. No company wants to ensure a driver who is always filing claims. West Texas Insurance Agency is all about helping you stay safe on the roads. That is why it will cost you more for having a poor driving record.
My driving record and my insurance policy, how are they connected?
How does your insurance company know that you slipped in the first place? Auto insurance companies are thorough enough to check how you have been behaving on the roads. Therefore, any car infraction you are involved in is tagged to your driving record by the government. The more the violations, the more tarnished your driving record becomes. However, not all violations are included. Simple violations like busted taillights, parking tickets, or failure to update insurance paperwork only come with fines.
What factors affect my driving record?
There are many factors that can affect your driving record—some being more detrimental than others. Additionally, insurance companies in Amarillo, TX have different policies for specific driving record tarnishes and may focus on particular factors. Some of these factors include:
- Speeding tickets
- Overdue bills or late payments
- Getting a traffic ticket in a construction or school zone
- Too many insurance claims
It is almost impossible to determine how much your insurance company can raise. Some violations can be forgiven while others may not. For instance, if it is your first time to get a speeding ticket, and it is the only violation in your record, your insurance company may forgive and keep the rates intact. If you have more than two violations, your insurance premiums will obviously go up.
Safe driving means owning a clean record. At West Texas Insurance Agency, we care about your safety and the safety of other road users. Feel free to contact us with questions about auto insurance.
You have planned for this vacation for months. Here you are at the rental car counter with a line of other anxious vacationers behind you and the person at the counter is asking you to decide if you need the car insurance they offer. Talk about stress!! It will certainly make you wish you had read your auto policy before you left for vacation. At West Texas Insurance Agency in Amarillo, TX we are here to help you to understand the coverage that your auto insurance provides.
The answer to the question will my auto insurance cover me in a rental vehicle is it depends. If you are renting a vehicle that is similar to the vehicle that you currently own and you have full coverage, the answer is yes. However, if you rent a high-end car or you have more of a clunker at home then you are going to need at least some other type of insurance coverage.
Liability coverage is required by almost all states so chances are if you have adequate coverage at home you will be adequately covered when you rent. If you don’t have collision and comprehensive coverage on your vehicle at home, you won’t have it on the rental and that could be a very expensive bill if you have an accident.
Even though your personal auto insurance may not cover all of the auto insurance that you need for a rental, you may not need to buy the rental company insurance. Always check with your credit card to see if they offer Collision Damage Waiver coverage.
With 25 years of experience, West Texas Insurance Agency in Amarillo, TX has a team that is ready to help you with your auto insurance needs. Give us a call or stop by the office for a no-obligation quote.
Helping your car maintain its value is beneficial in a number of ways, especially if you plan on selling or trading it in. In Amarillo, TX, agents from West Texas Insurance Agency offer their clients advice on how to maintain their car’s value for as long as possible. There are simple things you can do to ensure your car holds its value for as long as possible.
Regular maintenance is essential if you want your car to continue running as efficiently as possible. All of the systems in your car have maintenance schedules including your lubrication, coolant, brakes, and transmission. Regular maintenance ensures each system is working efficiently and doing its job properly.
If you are in an accident or something breaks on your vehicle, having it repaired promptly will help your car hold its value. This includes dents, broken windshields, or fender benders that leave visible damage that will detract from the appearance of your vehicle.
Keep it Sparkling Clean
Keep your car clean! Throw away any trash you have on the seats and vacuum it out regularly. Wipe down the interior and run it through a car wash every couple of weeks to keep the outside shiny and looking like new. Keep an air freshener in your car to keep it smelling nice and fresh.
At West Texas Insurance Agency, residents who live in the Amarillo, TX area are encouraged to call an agent if they ever have questions or concerns about the value of their vehicle. Maintaining your car properly will help it hold its value and also keep it looking its best at all times. Call and talk to an agent today!
For teens, getting a driver’s license is an exciting time. It signals the passage into the world with greater freedoms. For parents, however, the realities of the danger for teen drivers is real. Also, their policy rates will be higher. This can lead to an anxious time for everyone. The agents at West Texas Insurance Agency understand the excitement and concern that everyone is going through. They work with parents and teens throughout the Amarillo, TX area.
To help teens understand their responsibilities as drivers and the importance of keeping a good driving record, it’s recommended that they are involved in the insurance process. When they understand policy costs and the ramifications of poor driving habits, they are more invested in being good drivers. Over time, this will be reinforced when they see their rates go down for keeping their driving record clean.
In some cases, it may be better to simply add the teen to their parent’s policy. Talk with the agent to determine if that is the best solution. Also, they will be able to discuss any available student discounts. Some insurance companies give discounts to students who have had driver’s education classes or earn good grades. College students are also offered discount programs best on how often they drive and their grades. Another consideration is the type of vehicle the teen will drive. While they may long for a sports car, a more sedate sedan or compact car will be easier and less expensive to insure.
In the Amarillo, TX area, the team at West Texas Insurance Agency understands the challenges of insuring a teen driver. They can help! Visit the website for general information then bring your teen into the offices for a visit. Young drivers need the protection of adequate vehicle insurance before they ever hit the road.
Here at the West Texas Insurance Agency serving the Amarillo, TX area, we know a thing or two about taking care of cars. One of the smartest moves you’ll ever make to take care of your car is to put insurance on it. More importantly, insurance that is customized to meet your exact needs. Here’s a look at a few other tips you should follow for taking care of your car this summer.
Take Care of Coolant System
It’s always important to ensure your car has enough coolant liquid in it. From the coolant hoses to the coolant reservoir, these parts of the car should be inspected regularly during the summer. If there is any damage to the coolant system, you will need an auto repair specialist to fix them as soon as possible.
Replace the Wipers
It might be sunny and hot in Texas, but it tends to rain some during the summer. There’s nothing worse than being stuck out on the road in the rain with no wipers. A great way to avoid this is by replacing the wipers now.
Take the Car to a Mechanic
Lastly, take the car to the mechanic at least once this summer for routine maintenance. Ideally, you’ll take it when you need an oil change. The mechanic can do everything from changing the oil to rotating your tires and more.
Contact the West Texas Insurance Agency serving the Amarillo, TX area today to learn more about summer car care tips. You can also speak with one of our agents about taking care of your car with a customized insurance policy.
As you’re driving around Amarillo, TX, it’s important that you have the right auto insurance policy. There are a few ways that policy can work to protect your family.
At West Texas Insurance Agency, we’re here to guide you towards the best policy. There are a number of auto insurance requirements in Texas, so it’s important to adhere to them.
First, remember that it’s important to meet at least the state minimums. Driving without insurance can result in being ticketed by a police officer.
Second, the right auto insurance policy will protect your finances if you’re involved in an accident. You don’t want to be financially responsible for car repairs, medical bills, and more if you’re at fault.
Third, you want to know that you have the ability to get your vehicle fixed if it gets hit by a shopping cart in a parking lot or a truck throws a rock at your windshield on the highway. Comprehensive coverage can protect you against all sorts of non-driving related incidents.
Fourth, you want to know that you have coverage if there’s a break-in. Unfortunately, vehicles do get broke into around Amarillo, TX from time to time. Having the right policy will allow you to file a claim.
Finally, you can protect your family by having coverage against the uninsured and underinsured. Although it’s a must to have insurance on the road, not everyone follows the laws. You can add this coverage so that you don’t depend on someone else having insurance even though they were at fault.
It can be overwhelming to find the right auto insurance. By talking to an independent insurance agent at West Texas Insurance Agency, we can help you find the coverage that you need. We’ll even help you comparison shop quotes for an affordable premium.
Having a teenager that drives in your home in Amarillo, TX can be scary enough. You don’t want to have to worry about whether they are covered as they drive around town. Knowing when to add them to your auto insurance is critical.
What about my teen driver?
At West Texas Insurance Agency, our goal is to answer questions and provide adequate coverage through insurance policies.
As soon as your teenager has their learner’s permit, they are going to be behind the wheel of your vehicle. If they get into an accident, you want to make sure that the insurance claim is taken care of.
Additionally, you want to make sure that you have plenty of coverage in place. You are a seasoned driver. Therefore, you may not need as much liability coverage. However, a teenage child has not had a lot of experience. They may cause more damage if they get into an accident. To avoid paying too much out of pocket, it may be a good idea to boost coverage limits on your policy.
Some parents wonder whether they should add a child to their own auto insurance or make the child get it on their own. Generally, it is more affordable to add them to your policy as opposed to them getting their own. This is because you will get multi-driver discounts. Plus, they benefit from you being a safe driver. Otherwise, they could end up spending a small fortune on insurance because they are identified as the new driver and, therefore, carry a lot more risk with them.
The best thing that you can do is to protect your teenager in Amarillo, TX. As soon as they have a learner’s permit, contact us at West Texas Insurance Agency. One of our independent insurance agents can take you through the process of adding a teenage child to your auto insurance policy.
Auto insurance telematics are becoming a tool that many insurance companies offer to help you reduce your auto insurance rates. The telematic device tracks your driving, allowing an insurance company to see whether you speed, where you frequently drive, and whether you slam on your brakes often. Here at West Texas Insurance Agency, serving the Amarillo, TX area, we are often asked about telematic devices. Here is some information drivers should know about them.
Can You Be Required to Use Auto Insurance Telematic Devices?
By law, auto insurance companies cannot require you to use auto insurance telematics devices if you do not want to. However, they can increase your rates if you elect not to use one or offer money-saving incentives to try to get you to use one.
Should You Use Auto Insurance Telematic Devices?
Unfortunately, there is no right or wrong answer to this question. The information that is gleaned from the device may cause your rates to increase or decrease. The insurance company will get an insight into how you drive. If you speed often, using one of these devices may not be ideal for you. However, if you are a safe driver who abides traffic laws, one of these devices may be a good idea for you. There are also privacy concerns with the devices, so ultimately, the decision is up to you.
There are pros and cons to using auto insurance telematics devices. If you are looking for an insurance policy and want to learn more about these devices in the greater Amarillo, TX area, West Texas Insurance Agency can help you. Contact us today to schedule an appointment to discuss how we can help you.
Car accidents occur in Amarillo, TX all the time and they can be very costly. Therefore, it is wise to ensure that your vehicle is fully protected. West Texas Insurance Agency’s auto insurance will protect you against costly medical bills or expenses and hefty fines. Here are some of the benefits of carrying auto insurance.
Protects you from financial liability
Expenses can add up so quickly immediately after an accident, and it is almost impossible to pay for all these expenses or the repairs of your car. In some situations, you can be sued for bodily injury and be required to spend thousands of dollars in the event of a grisly car crash. Your auto insurance will cover the medical costs of the other driver and passengers of the vehicles involved in the crash.
Pays your medical bills
You need medical care after a car accident. Without auto insurance, it will be very expensive for you to pay for all your medical bills and expenses, especially if you sustain serious injuries. While you may think that you will never be involved in an accident, it is better to be prepared for the worst. Instead of waiting for your medical bills to rack up and start begging for contributions from friends and family or liquidating your assets, consider purchasing sufficient auto insurance from West Texas Insurance Agency in Amarillo, TX.
Some drivers are uninsured or underinsured
While it is a requirement to carry liability insurance to protect yourself in Texas, it is possible to encounter drivers who are uninsured or underinsured. Uninsured or uninsured drivers will not be able to pay your medical bills and other covered losses. But with the uninsured/underinsured motorist coverage option, you can still get reimbursed by your insurer.
Before you get behind the wheels or buy a new vehicle, think about auto insurance. If you are looking for the right auto insurance coverage options, contact us today for more information.
Let’s face it. Nothing that can happen to you can be quite as aggravating as getting into your car and not being able to start it or, having started it, finding out something is wrong, such as overheating or transmission trouble. If your car fails while you are on the road, you will find yourself in physical danger until you can get to the side of the road and start waiting for a tow truck.
The West Texas Insurance Agency, serving Amarillo, TX, advises you to take your automobile in for scheduled maintenance as your owner’s manual stipulates. A trained and experienced mechanic will be able to spot potential problems before they affect you on the road and suggest fixes. Scheduled maintenance is also the time when you get the fluids, filters, and belts replaced in your vehicle as needed.
The old adage that, "an ounce of prevention is worth a pound of cure," is especially true for the vehicle that you depend upon to get around. You may find it easier to spend a few hundred dollars to fix a problem before it strands you than to spend several thousands of dollars afterward.
Also, adhering to the scheduled maintenance plan in your owner’s manual is likely a condition for your car’s warranty. Failure to keep your vehicle running as smoothly as possible may void its warranty.
Finally, getting your vehicle maintenanced regularly will increase its resale value when you are ready to trade it in for a newer model. You will be able to present to the buyer proof that you have kept your now used vehicle maintained in peak running condition.
If you have any questions about auto insurance, feel free to contact the West Texas Insurance Agency, serving Amarillo TX. We also offer an online rating tool for quotes from home on auto and home insurance.