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Do You Need to Keep Full Coverage Insurance on Your Vehicle Once It’s Paid For?

Auto insurance is one of those monthly expenses that is important and necessary. However, if your vehicle is paid off, you may be wondering whether you still need to pay for full coverage. Removing full coverage from your vehicle and opting for liability coverage only will not be the right choice for everyone.

To determine if this is the right choice for your and your individual situation, it is important to understand the difference between the two auto insurance coverage options and what considerations you should take into account. Here, at Amy Tounget Insurance Agency LLC, we want to ensure that Midlothian, TX residents are presented with the facts so that they can make informed decisions.

Full Coverage vs. Liability Auto Insurance

A full coverage auto insurance policy will consist of several different types of coverage that helps ensure you are protected in the event of an accident. Some examples of coverage that your policy would have include collision, comprehensive, liability, and uninsured/underinsured motorist. If found financially responsible for an accident, this coverage will protect you and cover the repair or replacement of your vehicle. It can also provide cover if your vehicle is stolen or damaged by a policy-covered event.

A liability-only auto insurance policy will consist of coverage that protects you against third-party insurance claims for property damage and bodily injuries when you are found at-fault for an accident. If you sustain any losses in the collision, you will not be covered.

Things to Consider

When determining whether to eliminate your full coverage and switch to liability only, there are a few important factors to consider. Since your vehicle is paid for in full, you won’t have an issue with your lender, since they normally require full coverage to be carried on a leased vehicle.

However, you will want to consider how much you drive. The more often you drive on the road, the higher the risk you will be involved in an accident. In addition, if your vehicle is still worth a considerable amount, or you do not have savings to replace your vehicle if it is wrecked, you may need to stay fully covered.

If you are unsure whether you should stay with your full coverage policy or switch to liability coverage only, contact us at Amy Tounget Insurance Agency LLC. Proudly serving the residents of Midlothian, TX, we will be happy to sit down with you and discuss your insurance needs.

Life Insurance Basics

A life insurance policy provides your family with a death benefit payout in the event of your death. Purchasing a life insurance policy helps ensure your loved ones are financially taken care of after your passing. Essentially, life insurance policies are an agreement between you and your insurance company where you agree to pay premiums for life insurance coverage in Midlothian, TX. 

If you have questions about life insurance, give the agents at Amy Tounget Insurance Agency LLC a call today. 

Who Needs Life Insurance? 

Anyone who is financially responsible for helping others should consider buying a life insurance policy. Life insurance policies help lessen financial burdens some family members are left accountable for after the policyholder’s death. For example, life insurance benefits can be used to pay for funeral expenses, future mortgage payment, estate taxes, and help maintain a family’s standard of living. 

Types of Life Insurance Policies

There are two main options available when shopping for life insurance — Term life insurance and whole life insurance. For a specific timeframe, term life insurance provides coverage for you, generally up to 30 years, but can be as short as five years. Term life insurance is designed to provide coverage during specific live events, such as raising a family. Beneficiary benefits end when the term expires. Whole life insurance covers you for your entire lifespan as long as you continue paying the premium. 

Life Insurance Premiums

Life insurance premiums are calculated using many factors, including your age, health, family’s medical history, and if you engage in risky hobbies. Term life insurance tends to be the less expensive option and does not carry any cash value. On the other hand, whole life insurance costs more and does carry a cash value, which you can borrow against in the event of a financial need. 

Those in Midlothian, TX, with questions about life insurance, should reach out to the agents at Amy Tounget Insurance Agency LLC. The agents there can help answer all the questions you may have. 

Home Insurance Exclusions

If you are a homeowner in Midlothian, TX, you understand the importance of having home insurance. It’s an investment that protects your home and its contents from unexpected events like theft, hail, fire, and many other perils. Besides, home insurance provides liability protection and covers loss of use.

Unfortunately, home insurance does not cover every mishap that occurs in your home. To that end, you must understand what home insurance does not cover to avoid disappointments when filing a claim. At Amy Tounget Insurance Agency LLC, we’ve prepared for you what your home insurance does not cover. Be sure to read through the article to understand your home insurance exclusions.


A standard home insurance policy does not cover damage caused by overland flooding. If you live in an area prone to floods, make sure you have a separate flood insurance policy to protect you against floods.

Damage by sewer backups

Water damage from a sewer backup may occur due to old sewer systems, growing tree roots, sanitary blockages, and so forth. Unfortunately, typical home insurance does not cover these damages. As such, you may have to buy an endorsement to cover water damage from sewer backups.

Damage due to neglect 

Damage that arises from poor home maintenance, like uncontrolled mold or pest infestation, is not covered by your standard home insurance policy. In light of this, keep your home well maintained to avoid incurring out-of-pocket repairs.

Earth movement

Typical home insurance does not cover cases like earthquakes, sinkholes, and landslides. But the good news is that you can purchase a separate policy that covers such types of events. 

Home insurance in Midlothian, TX

Before assuming that your home insurance covers you against every peril, be sure to scrutinize your policy limits and exclusions. It’s also wise to talk to your agent if you are unsure whether a specific loss or damage is included in your policy. Ready for your home insurance? Talk to us at Amy Tounget Insurance Agency LLC for an affordable quote.

3 Things That Will Hurt Your Driving Record

Making mistakes is a part of human nature; however, some mistakes may lead to points on your driving record and some of these points can remain on your driving record for several years. Points on your driving record can result in an increase in your auto insurance premiums because your insurance provider will view you as a high-risk driver in Midlothian, TX. Amy Tounget Insurance Agency LLC has put together a list of the three most common things that can hurt your driving record.

Driving Without a License

Whether you haven’t gotten your driver’s license yet, or you have a restricted license, if you get pulled over and don’t have a legal driver’s license, it will lead to serious consequences. Not only will you be faced with fines, but there is a risk of other license restrictions, possibly even prevention of getting your license in the future.

Driving Under the Influence

A DUI (driving under the influence) is one of the most serious driving mistakes you can make. Driving while under the influence of drugs and/or alcohol can impair your reaction times and your judgment, both of which significantly increase your risk of getting in an accident. Depending on your blood alcohol level and the circumstances of being pulled over, such as being involved in an accident, you may be faced with expensive fines, jail time, and a loss of your driver’s license. Each time you are caught driving under the influence, your sentencing increases, and insurance providers view your driving record as high risk.


Each city and county has its own set fines and penalties for a speeding violation. However, regardless of where you get the speeding ticket, it will go on your driving record and insurance providers view this as you being a high-risk driver. Speeding tickets, regardless of how mild or major the difference in miles per hour you were traveling leads to points on your driving record and may lead to an increase in your insurance premiums. Speeding in certain areas such as a school zone can cause you to receive additional points.

Fortunately, there are ways to gradually remove points from your driving record. The first step is to appear at all court hearings relating to the tickets, especially if you feel as though you didn’t deserve the ticket/violations. In this situation, you will need to make sure you have the evidence to prove your case. Another way to reduce the points on your driving record is to take a defensive driving course, which will teach you how to be a safer driver. Eventually, the points on your driving record will fall off; however, it does take time.

Residents of Midlothian, TX interested in learning more information about high-risk insurance or reviewing your current insurance policy should contact Amy Tounget Insurance Agency LLC.

Do I need to buy life insurance if my employer provides a policy

Life insurance is an important part of anyone’s financial planning. It is a long-term investment in the protection of your loved ones. You may or may not have spoken to your insurance agent or financial advisor about buying life insurance. It is one area where many people feel out of their depth. At Amy Tounget Insurance Agency LLC we are a locally owned and operated independent insurance agency dedicated to exceeding the expectations of our clients. We provide the personalized service you deserve and will tailor a policy to your needs. 

If you are one of the lucky people who get life insurance provided as part of a benefits package you are lucky. It is definitely something you should take advantage of. Take a good look at the policy you are being offered. If you have an insurance agent you know and trust, having them look it over for you is a good option. You need to know exactly the amount of coverage you are getting and the type of policy it is. But is this policy no matter how much it is, enough? Do I need to get life insurance of my own?

The simple answer is yes, you do need to buy life insurance even if your employer provides a policy. Life insurance needs to be customized to your needs and income. Your employer may provide an amount based on your income but not on your needs. You need to make sure that no matter what happens to you, your family will be protected, and only you can decide how much that amount is. The employer-provided life insurance is just the frosting on the cake, it is not the cake. 

Talking to the team at Amy Tounget Insurance Agency LLC will help you to come up with the right amount of life insurance protection for your family. 

How much home insurance do you need?

Midlothian, TX is a city southwest of Dallas with an approximate population of 30,000 people. There are many things to love about the small town, including Midlothian being a great place to raise a family. How much home insurance is sufficient for this hidden gem in Ellis County? An agent at Amy Tounget Insurance Agency LLC can help you answer this question. 

Median Values And Insurance Rates

The median value of a single-family home in Midlothian, TX is around $360,000. Your home indemnity policy should cover at least 80 percent of the property’s value.

Why 80 Percent?

Insurance companies typically cover the full cost of damage to a house if the homeowner purchased coverage that accounts for at least 80 percent of the home’s value. This means that a home in Midlothian, TX worth $500,000 would need a home insurance policy worth at least $400,000. 

An insurance company does not leave the homeowner completely in the cold if indemnity coverage falls below 80 percent of the home’s value. The insurer, however, does not pay the entirety of a home’s value in the instance of a total loss if there is not enough coverage. 

You may ultimately find yourself in a financial bind if you fail to purchase enough coverage to meet the insurer’s standards. 

Check Your Policy And Call Amy Tounget For Help

It is not uncommon for a homeowner to fall below the 80 percent standard. Improvements to the property and inflation can lead to an indemnity plan that does not fully speak to the home’s market value. 

It is important to review your insurance policy at least once a year to ensure your financial cushion is still stable. It would help if you also considered getting a new quote for coverage periodically. 

Amy Tounget Insurance Agency LLC can help you understand the terms of your home insurance plan. Call today to see if your policy needs an upgrade.

Why Work With Us?

  • Locally owned and operated
  • Works with multiple carriers
  • Combines policies for best rates
  • Customer friendly services
  • Have access to your auto ID cards anytime!



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