Category: Auto Insurance

Vehicles are undeniably the most popular and convenient form of transportation. Whether it’s for work, vacation, or running errands, if people can drive, they often will. However, we also share the road with other drivers, which can make driving much more dangerous. Luckily, the correct auto insurance can help protect us from those less-than-safe drivers. This is why so many people in the Midlothian, TX area work with the professional and trusted team at the Amy Tounget Insurance Agency LLC for all their auto insurance needs.

Auto Insurance: Safeguarding Your Vehicle On and Off the Road

While no one anticipates getting into an accident, if it happens, it’s usually assumed it occurred on the roadways. Since the majority of accidents occur while driving, it’s a reasonable assumption. However, our vehicles are also exposed to various other risks. From storm damage like hail or falling tree branches to accidents that occur in your own driveway (like incorrectly gauging the depth of your garage), auto insurance provides protection both on and off the road.

For all Your Auto Insurance Needs in Midlothian, TX

If you need auto insurance solutions in or around Midlothian, TX, our friendly and professional team at Amy Tounget Insurance Agency LLC can help. If you have questions about coverage, deductibles, or other insurance matters, then contact us today for the answers and auto insurance solutions you need and deserve at the Amy Tounget Insurance Agency.

Finding auto insurance in Midlothian, TX doesn’t have to be a complicated task. However, it’s vital that you stay protected at all times. As such, you should know that more coverage is available than simply what the state requires.

Learn about all of the options with the help of our agents at Amy Tounget Insurance Agency LLC.

The Auto Insurance Requirements

In the state of Texas, there are a few requirements. Everyone with a vehicle must provide proof of insurance and have liability coverage.

The liability coverage provides property damage and injury coverage (per passenger and per accident).

Once you meet the bare minimum that the state requires, you can choose to add on for more liability protection. This way, if there is a major accident with significant property damage or massive injuries, you reduce the possibility of paying out of pocket.

Adding onto Your Policy

Beyond liability insurance, you can explore other forms of coverage.

This includes:

• Collision
• Comprehensive
• Rental car coverage
• Uninsured/underinsured coverage
• Towing and labor coverage

You can pick and choose what you want to have on your policy. The more coverage you have, the more scenarios you’re covered for.

Get the Help When & Where You Need It

There’s no need to become overwhelmed as you shop for auto insurance in Midlothian, TX. Browsing coverage online can be difficult because you may have questions about what you need versus what it’s going to cost.

At Amy Tounget Insurance Agency LLC, we have knowledgeable and friendly agents who can provide you with a comprehensive roadmap to getting the coverage you need. We’ll answer your questions, get quotes from top insurance companies, and ensure you have the protection you can depend on.

Get your quote started by contacting us today.

At Amy Tounget Insurance Agency LLC, many of our insured drivers are driving or thinking about driving electric vehicles, or EVs. Midlothian, TX is a great area for these convenient, high-technology vehicles, where drivers can run errands, commute, and keep social appointments within the range of a single battery charge. After retirement, without the commute, many drivers really don’t need to go far, and some choose to give up their vehicles due to the cost of operation.

An EV, which needs minimal maintenance and simple electric charging, can be a perfect substitute. Since many of these low-mileage drivers have insurance policies designed for minimal vehicle use, it’s a great match. In fact, as more commuters work from home, an increasing number of drivers who might otherwise be limited by the battery range of their EVs are now realizing that they don’t typically drive that far around town.

Limited-Range EV Use, with a Twist

What if you choose an EV as the low mileage driver that you are these days and want to take an occasional long trip? For many drivers, the solution auto clubs have recommended makes perfect sense here. Renting a vehicle for trips allows you to pick the type of vehicle you want to drive, such as an SUV, and have a rental company ready to take care of you if problems arise on the road.

You can even choose a gas-powered model for long trips where charging stations may not yet be available. At Amy Tounget Insurance Agency LLC, we’ll be glad to help you with low-mileage auto insurance and more. Whether you’re active around town or just need your vehicle for Sunday drives and visiting, your lifestyle and one of today’s amazing EVs can be a great match in Midlothian, TX!

Motorists in Midlothian, TX can purchase auto insurance from us at  Amy Tounget Insurance Agency LLC. When you purchase auto insurance, there are a few mistakes that you should be sure to avoid.

The following are four things not to do when it comes to auto insurance:

Being unaware of the deductible on your auto insurance policy

The deductible on your policy is an essential detail that you must be aware of. You need to know what your deductible amount is so that you always have at least this amount available in an emergency fund for when you have to file a claim. 

Letting your auto insurance policy lapse

Be sure to make all payments on time. If any of your premium payments are made late, you put yourself at risk of having your policy lapse. When this happens, you won’t be covered for any expenses you face as a motorist. 

Failing to read the fine print of your auto insurance policy

Auto insurance coverage could be subject to exclusions and limitations. You need to know of any exclusions on your policy so that you’re fully aware of what you’re covered for and what you’re not covered for. 

Buying the least liability insurance amount available

A lot of motorists make the mistake of only buying the minimum amount of liability insurance that’s required. If you only buy minimized coverage, you could end up facing a lot of financial problems in the future.

Paying for additional liability coverage can minimize the amount you have to pay out of pocket if you’re eventually held liable for an accident. 

Schedule A Consultation Today

Get an auto insurance quote from us at Amy Tounget Insurance Agency LLC. We’re here to meet the insurance needs of consumers in Midlothian, TX. 

Car accidents, even minor fender benders, can raise our blood pressure, spike our adrenaline, and make us act more impulsively than we might otherwise. If you’re involved in a vehicular accident, no matter how small or how large, it is vital to stay calm and remember to always file a police report.

That’s right, always. Let’s take a look at why you need to request a police report following a Midlothian, TX car accident:

The Importance of Filing a Police Report For an Auto Insurance Claim

Establish Documentation & Evidence

A police report serves as an official, third-party document that outlines the incident in full. This report includes essential information, like the date, time, location, and parties involved. In larger incidents, it may also include witness statements that can serve as valuable evidence for your auto insurance claim. With these statements and an officer’s summarization, you can support and even prove your version of events. This ensures proper fault is assigned.

All Party Cooperation

Speaking of other parties and witnesses, getting their cooperation is not always easy. This is especially true when a car accident is the other party’s fault. That other party and witnesses within their vehicle may try to stall or downplay the accident. Having an officer come will ensure that they cooperate and you don’t have to deal face-on with disagreements. 

Get Quality Insurance Options With Amy Tounget Insurance Agency LLC

Let the officers handle disagreements on the scene and let your insurance company handle disagreements behind the scenes. Of course, you want a quality provider representing you if an auto accident case ever goes to trial. Contact our team at Amy Tounget Insurance Agency LLC to learn about your options and get the best policy for your Midlothian, TX household. 

Driving a car that gets great gas mileage can certainly help you save money here in the Midlothian, TX area and be kinder to the environment. Here are some tips from us at Amy Tounget Insurance Agency LLC to help you improve your gas mileage so you can get the most out of every tank of fuel.

Tips to improve your gas mileage

1. Keep up with maintenance:

Regularly check and change the oil, air filter, tires, etc. as recommended in your car’s manual. This will ensure that your engine runs at its peak efficiency and helps you get better fuel economy. 

2. Practice defensive driving:

Avoid excessive speeding and abrupt stops as this can cause your vehicle to consume more fuel than necessary. 

3. Go easy on the accelerator:

Accelerate slowly and maintain a steady speed for maximum fuel efficiency. 

4. Reduce aerodynamic drag:

Remove any excess weight from your car, such as bike racks or other cargo carriers when they’re not in use, to reduce the amount of drag on the vehicle. 

5. Use cruise control:

When appropriate, set cruise control to maintain a steady speed; it uses less fuel than accelerating and decelerating frequently with manual speed changes.  

6. Minimize idling:

When stopped, turn off the engine rather than letting it idle for more than 30 seconds; idling burns unnecessary fuel and causes engine wear. 

7. Maintain your vehicle:

Regularly inspect and maintain your car according to the manufacturer’s recommendations; this will ensure that the engine is running at peak efficiency. 

We Are Here To Help!

These tips can help you save money on gas while also reducing your environmental footprint! For more gas-saving tips, or to explore an auto policy that can meet both your needs and your budget, give us at Amy Tounget Insurance Agency LLC a call today. We are proud to serve the Midlothian, TX area.

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.