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Facts About Auto Insurance

If you are looking for auto insurance, you probably already know that most states require liability coverage. There are probably things that you don’t know about this vital coverage. Amy Tounget Insurance Agency LLC, serving the greater Midlothian, TX community, is here to assist. 

Here are some surprising facts regarding auto insurance:

Age affects the cost of your auto insurance

Teenagers are at a higher risk of getting into an accident due to their age and inexperience. Teenagers can pay over 2 to 3 times as much as someone over 25, especially if they have a policy that is not part of their parents’. As you get older, the price decreases until you get to 65. After 65, insurance increases again because of vision problems and other conditions that can occur as you age.

The price of auto insurance varies by state

Some states charge higher rates than others when it comes to insurance. Below are listed the most expensive states and cheapest states.

Top 5 most expensive states

  • Florida
  • Louisiana
  • Delaware
  • Michigan
  • California

Top 5 least expensive states

  • Ohio
  • Maine
  • Idaho
  • Vermont
  • Oregon

There are ways you can save money

There are some ways you can save money with your insurance company. One way you can save is by paying your premium all at once. Most insurance companies give discounts if you pay in full because it is less work for them. Making monthly payments creates more work for them, and they add a percentage each month.

Another way to save is through different types of discounts. If your driving record shows that you are a safe driver, you might be able to get a deduction. You have less risk of getting into an accident, which means less risk for the insurance company.

Give Us A Call

Many things could help you save, including your age, your gender, and being a safe driver. Visit or contact us at Amy Tounget Insurance Agency LLC in Midlothian, TX.

4 Moments to update your life insurance

Few debate "why" you should have life insurance. Deciding "when" can be a little more tricky. Many inaccurately assume that life insurance is only important as you get older. However, this couldn’t be further from the truth. In fact, owning a life insurance policy earlier is actually less expensive, allowing you to lock in premiums while you’re young. Life insurance is crucial throughout every stage of life.

Amy Tounget Insurance Agency LLC knows it should grow with you too. serving the greater Midlothian, TX community, our agents believe clients should routinely update and modify their policies to best reflect their current needs.

Here are the four life moments that call for an immediate review of your life insurance coverage:

Getting married

Walking down the aisle is a financial union. If a spouse suddenly passed away, debt could stack up. Life insurance protects the surviving partner.

Buying a home

Most families need two sources of income when paying off a mortgage. Life insurance can supplement lost wages, enabling your spouse and kids to stay in their home even after you’re gone.

Having a baby

Sleep a little easier. While having a baby is stressful enough, life insurance is a security blanket. It ensures your newborn’s future is safe.

Retiring from work

Life insurance’s primary purpose is to replace lost wages. As you near retirement, this becomes less important. Social Security and pensions may be enough. Because of these benefits, retirement may be the perfect time to actually decrease your life insurance protection.

Give Us A Call

Let Amy Tounget Insurance Agency LLC in Midlothian, TX craft a policy that meets your needs at every stage of life. Schedule an appointment today.

Things You Need to Know When Choosing Home Insurance Coverage

Your home is likely your most valuable asset, so it’s important to protect it with the right insurance coverage. Our experienced insurance agents at Amy Tounget Insurance Agency LLC in Midlothian, TX, can help you choose the right home insurance coverage for your needs and budget. But what do you need to know when choosing home insurance coverage?

Here are a few things to keep in mind:

The Value of Your Home

Your home insurance policy should cover the replacement cost of your home minus any depreciation. To determine the replacement cost of your home, an insurance company will consider the size, type, and age of your home and the cost of materials and labor in your area.

The Contents of Your Home

Your home insurance policy will also cover the contents of your home up to a certain limit. This includes furniture, clothing, electronics, and other personal belongings. If you have high-value items such as jewelry or art, you may need additional coverage to insure them for their full value.

Types of Coverage

There are different types of home insurance coverage, and the one you choose will depend on your needs. For example, if you live in an area prone to hurricanes, you may want to purchase windstorm insurance. Or, if you have a home office, you may need to purchase business equipment coverage.

Discounts

Many insurers offer discounts on home insurance premiums, so be sure to ask about them. For example, you may get a discount if you have a security system or your home is newly constructed.

Contact Us Today

If you need help choosing home insurance coverage, our experienced insurance agents at Amy Tounget Insurance Agency LLC in Midlothian, TX, are here to assist you. Call us for help finding the right policy for your needs and budget.

Important Auto Insurance Facts To Consider

Amy Tounget Insurance Agency, LLC serves the Midlothian, TX community. We use our relationships with multiple carriers throughout the state to provide our clients with flexible coverage options. We recognize that each of our clients has a unique situation. We take the time to consult with them and find a solution. We are confident that we can help you obtain coverage to minimize risks.

Important Auto Insurance Facts To Consider

Auto insurance adds a layer of protection as your travel around Midlothian, TX and other parts of the state. An accident can happen at any moment. That’s why it’s important to obtain coverage. Auto insurance covers you if your vehicle suffers damage in a collision with another car or object. You are also covered if you’re held responsible for the collision. Liability coverage protects your assets by covering any property damage and necessary medical treatment. If you are injured in an auto accident, personal injury protection will step in to cover your medical treatment and recovery.

Comprehensive coverage is another option to consider. Comprehensive coverage protects you if your vehicle is stolen or vandalized. You are also covered if your vehicle is damaged due to a collision with an animal. This is something to watch out for if you are driving through rural parts of the state. Texas is also prone to natural disasters. Comprehensive coverage protects your vehicle if it suffers damage due to severe weather.

There are a few factors that may influence your policy. The amount of driving that you do may influence your policy. Driving more frequently increases the chances that you may be involved in a collision. If you have a high-end vehicle, you’ll need to amend your policy in order to fully cover any potential damages.

Get Auto Insurance Today

Amy Tounget Insurance Agency, LLC can get you the right coverage today. Give us a call and get started. 

Choose an Eco-Friendly Burial and Give Back to the Environment

Choosing an eco-friendly burial is a great way to give back to the environment. There are many options available, from traditional cemeteries to natural burial grounds. You can even choose to have your ashes scattered in a particular place. Whatever you decide, ensure you have the right life insurance coverage from Amy Tounget Insurance Agency LLC in Midlothian, TX to help with your final expenses.

The Environmental Benefits of Green Burial

Green burial is when the body is buried in an environmentally friendly way, and it has many benefits.

  • One benefit of green burial is that it does not require the use of harmful chemicals. Traditional burial methods often involve the use of formaldehyde, which is a known carcinogen. Green burial does not use chemicals.
  • Green burial is energy efficient. Cremation requires a lot of energy to heat the body to the high temperatures needed to turn it into ashes. Green burial requires little to no power.
  • Some green burials do not require land use. A body buried in a traditional cemetery takes up a lot of space. This space could be used for other things, such as planting trees or gardens.

How To Arrange For A Green Burial

There are a few things to consider when planning a green burial.

Find a funeral or cemetery certified by the Green Burial Council first. In addition to choosing an eco-friendly casket or shroud, you’ll need to plan for the burial. Many companies make eco-friendly burial products out of sustainable materials such as bamboo, wool, and recycled paper. A special place in nature should be chosen and the burial site should be prepared appropriately.

Of course, the best way to ensure your burial and final services will be paid to invest in a life insurance policy. At Amy Tounget Insurance Agency LLC, we’re here to help our Midlothian, TX neighbors find the policy that fits your individual needs.

Does Your Home Insurance Cover Your Home Gym?

Like many people, you’re considering a home gym to skip the trip to the fitness center. But before you do, it’s essential to consider whether your home insurance will cover it. Most home insurance policies cover exercise equipment, but some limits exist.

Here’s what you need to know about insuring your home gym:

What Are the Limits?

Your home insurance policy likely covers your exercise equipment. However, there may be some limits. For example, if you have an expensive piece of equipment, your policy may have a dollar limit on coverage. Your Amy Tounget Insurance Agency LLC agent can explain any limitations on your policy and help you decide if additional coverage is necessary to protect your belongings in Midlothian, TX.

What Type of Claims Are Covered?

It’s also important to note that home insurance typically only covers damage caused by something unexpected, like a fire or severe weather. So, if you damage your equipment while using it, your home insurance likely won’t cover the repair or replacement costs. But if a windstorm blows a tree through your window and damages your treadmill, your home insurance may cover the cost to repair or replace the equipment.

Does Depreciation Play a Role?

Another thing to remember is that home insurance policies typically reimburse you for the actual value of your damaged property, not the replacement cost. So, if you have an older piece of equipment, your home insurance policy may only cover a fraction of the price you paid initially.

Give Us A Call

Before setting up a home gym, check with Amy Tounget Insurance Agency LLC in Midlothian, TX to see if your home insurance policy will cover it. We’ll be happy to answer any of your questions and help you get the coverage you need.

Required Auto Insurance in Texas

When you own a vehicle in Texas, it’s important to get the auto insurance that is mandated by law. There are different types of coverage that are required to be in your auto insurance, but there are other, non-mandated types of coverage that are also important to have. When you have a vehicle in Texas and need auto insurance, give us a call now at Amy Tounget Insurance Agency LLC in Midlothian, TX.

Your Mandated Insurance

The insurance that is required by the state includes two types of coverage and three total coverage amounts. The first amount is a specific minimum amount of coverage for a single person who becomes injured in an accident that you caused. The second amount is a larger specified minimum amount for all of the people who are injured in the accident. Both of these coverage types pay for a third party’s medical bills and other expenses like lost wages after an accident. The third amount required is a specific minimum for property damage liability. This pays for the damage done to the other person’s property such as a vehicle or building damage. 

Other Auto Coverage Types

It’s also important to get a couple of other coverage types in your policy, even though they are not required by law. Often, a lender will require these coverage types. Collision coverage is protection for your own property damage after you have been in an accident for which you are at fault. Comprehensive coverage also provides protection for your property damage, but it covers the vehicle when it isn’t being driven. Both of these coverage types will protect your vehicle against damage that can be expensive to pay for without this coverage. 

Cover Your Vehicle

When you need auto insurance, call us at Amy Tounget Insurance Agency LLC in Midlothian, TX.

Types of Life Insurance

When you have people who depend on you, it’s important to have life insurance. This can leave a legacy behind for your loved ones after you’re gone. There are two main types of life insurance that are available, and each has its own benefits and drawbacks. The kind you choose should go the best with your budget and preferences. When you want to know more, call us at Amy Tounget Insurance Agency LLC in Midlothian, TX. 

Types of Life Insurance

Term Life Insurance

One popular type of life insurance is term life. It is called this because it runs for a specific term of time. The policy is set for a specific amount of death benefit, and this benefit is good for the number of years of the contract. It’s common for these policies to run for 20 or 25 years. After the term is over, the policy is canceled. To get new insurance, you have to reapply for a new policy. These policies benefit from having a relatively low cost, and that cost stays the same throughout the term. 

Whole Life Insurance

This kind of policy is named whole life because it is good for your entire life. Once you get the policy, it can’t be canceled as long as you continue to pay the premiums. These policies are more expensive than a term-life policy, but many people appreciate that they can’t be canceled and will stay in effect no matter what their age. These policies also build a cash value that policyholders can borrow against if they should ever need to. 

Get Your Life Insurance Policy

No matter which type of life insurance you choose, it’s important to have it in place. When you are interested in getting a life insurance policy, call us at Amy Tounget Insurance Agency LLC in Midlothian, TX.

5 Things You Didn’t Know About Home Insurance

Home insurance is one of those things that most of us have, but few of us really understand. We know we need it to protect our homes, but beyond that, there is a lot about home insurance that remains a mystery. Amy Tounget Insurance Agency LLC in Midlothian, TX provides you with the following guide. 

Here are five things you may not have known about your home insurance policy:

1. It Does Not Cover Flooding 

Despite floods being one of the most common natural disasters in the United States, most home insurance policies do not cover flood damage. But that does not mean you should not be prepared. You can purchase flood coverage as a separate policy or as an endorsement to your existing home insurance policy.

2. It Covers More Than Just the Structure of Your Home

While many people think of home insurance as only covering the physical structure of their home, it actually covers much more. Most policies also cover your personal belongings and any damage that may occur to other structures on your property, such as a shed or fence.

3. You May Need Extra Coverage for Certain Items

While home insurance covers a lot, there are some items that may require additional coverage. For example, if you have valuable jewelry or art, you will likely need to purchase a rider to your policy to have them fully covered.

4. Installing Certain Home Safety Features Can Help

Most insurance companies offer discounts for homes that have certain safety features, such as burglar alarms and fire sprinklers. So, if you are looking to save money on your home insurance premium, installing some extra safety features may be a good idea.

5. It’s Important to Review Your Policy Regularly

Your needs can change over time, and as such, it is important to regularly review your home insurance policy. Ensure that you are still getting the coverage you need and that any additions or changes to your home are reflected in your policy.

If you’re looking for comprehensive home insurance in Midlothian, TX, Amy Tounget Insurance Agency LLC can help. We can work with you to find a policy that meets your needs and gives you the coverage you need. Contact us today to get started.

How much auto insurance are Texas drivers legally required to carry?

Texas drivers who want to legally drive in the state of Texas are required to carry auto insurance that meets the state minimums. Our team at the Amy Tounget Insurance Agency LLC is committed to helping Midlothian, TX residents acquire the insurance they need to drive on Texas roads and freeways. Our team of knowledgeable licensed agents can help guide the process. 

Texas State Minimum Auto Insurance Requirements

Texas drivers are required to carry liability insurance that covers both bodily and property damage insurance. Bodily injury coverage must be carried in the amount of $30K per person and $60K per accident. Texas drivers are also required to carry $25K in property damage coverage. These coverage amounts must be carried at these minimums or greater in order to legally drive in Texas. 

Other Considerations

Texas drivers can also carry uninsured/underinsured motorist coverage as well. However, this coverage is optional and not required. Texas drivers should also note that they may be required to carry more than the state’s minimum coverage if they are leasing or financing a car.

Many lenders require car owners to carry full coverage insurance on a car that hasn’t been completely paid for. This ensures that the lender will be compensated for the loss of the car should something happen to the car before it’s been completely paid for. In situations like this, it’s not the state that will require more insurance, but the finance company or lender. This is how the lender protects their financial investment.

If you have other questions regarding how much insurance Midlothian, TX drivers must carry to legally drive, give us a call. Amy Tounget Insurance Agency LLC agents are standing by. 

 

 

 

 

 

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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