Category: Auto Insurance

Basic auto insurance can seem like the best choice because you’re going to be able to secure an auto insurance policy for less money. That being said, it’s important to remember that you get what you pay for. Basic auto insurance might be right for you; it might not be what you’re looking for. Here’s what you need to consider when you’re looking at basic auto insurance policies. Once you’ve figured out what kind of auto insurance policy you want, you can get started with us here at Amy Tounget Insurance Agency LLC in Midlothian, TX. 

Is Basic Auto Insurance Enough for You?

Basic auto insurance only covers minimum liability for injury to others and damage to property, and the reason why many don’t recommend just opting for a basic auto insurance plan is that the accident can easily exceed the amounts that your insurance is willing to pay out. More than that, a basic auto insurance policy won’t help you replace your car, protect it against any natural disasters or theft and vandalism, or benefit from other comprehensive coverage policy perks. Sure, a basic auto insurance policy may help you save money in the short term, but you could end up looking at serious financial consequences in the long term. If you’re currently shopping for an auto insurance policy, make sure to keep the above in mind while you’re looking around. Of course, you can always ask questions if you need support as well!

Compare Auto Insurance Policies With Amy Tounget Insurance Agency LLC 

With our support at Amy Tounget Insurance Agency LLC in Midlothian, TX, shopping for auto insurance becomes a simple process rather than one that feels drawn out and difficult. If you’re ready to take the next steps and find auto insurance for yourself, get in touch with us today!

Here are car maintenance tips for each of the four seasons: Summer, Fall, Winter, and Spring. It is a good strategy to conduct an auto insurance review as part of the regular maintenance by working with your agent at Amy Tounget Insurance Agency LLC in Midlothian, TX.

We can help you get adequate coverage for all your vehicles with the desired policy limits, proper vehicle values, and deductibles that are appropriate for your circumstances. OK, here are the maintenance tips. 

Summer

For the summer, you want to protect your car from overheating. You may want to start with a radiator flush to clean out any rust and check for leaks. Then, refill the radiator with fresh coolant.

Change the oil and oil filter. Check belts for damage and check hoses for leaks and cracks. Get a tune-up. Test the air-conditioning and get a freon recharge if needed. Replace air filters (for the motor and the cabin). Replace your battery if older than three years.

Fall

For fall, you want to get ready for cooler weather and stormy skies. Check your tires for wear. Test headlamps, turn signals, and brake lights. Get your brakes tested and make needed repairs. Check and replace worn wiper blades. Change to cold-weather-resistant window washer fluid.

Winter

To get ready for winter, check tires and change to winter tires if you live in a harsh, cold area. Clean the battery terminals of any corrosion and test your battery for holding a proper charge. Top up all fluids. Make sure you have a restocked emergency kit.

Spring

Wash undercarriage to remove salt and road mud. Change the oil and oil filter. Check the battery. Change to normal tires if you use different ones during winter. Check the tire alignment, suspension, shock absorbers, exhaust system, and brakes.

Reach out to us at Amy Tounget Insurance Agency LLC in Midlothian, TX, for all your auto insurance needs.

Adding a new driver to your auto insurance policy is an important decision that can affect both your coverage and your premiums. Whether you are adding a teenage driver, a spouse, or another family member, there are several key factors to review before making changes. Amy Tounget Insurance Agency LLC in Midlothian, TX, encourages families to consider these factors to ensure the right balance of protection and affordability.

Driving History and Experience Level

A new driver’s experience and driving record play a major role in determining insurance costs. Teen drivers and individuals with limited driving experience are typically considered higher risk, which often results in higher premiums. Traffic violations, prior accidents, or past insurance claims can also increase rates.

Even drivers with clean records may cause premiums to rise if they are young or newly licensed, so it is important to be prepared for potential changes to your policy cost.

Evaluating Coverage Needs

It is important to assess the appropriate level of coverage for the additional driver. If the driver will primarily operate an older vehicle, you may choose to adjust comprehensive or collision coverage. However, maintaining strong liability coverage is essential regardless of the vehicle’s age.

You should also consider whether the new driver would benefit from added protections such as roadside assistance or rental car coverage, especially if they drive frequently or commute long distances.

Vehicle Usage and Driving Restrictions

Discuss with your insurance provider how often the new driver will use each vehicle and for what purposes. Some insurance carriers offer discounts for occasional drivers or students away at college who only drive during school breaks.

You may also want to establish restrictions regarding which vehicles certain drivers are permitted to operate, helping manage risk and control insurance costs.

Before adding a new driver to your policy, request a detailed quote that outlines changes to both coverage and premiums. Contact Amy Tounget Insurance Agency LLC in Midlothian, TX to review your options and find a solution that fits your family’s needs and budget.

No matter your teen’s experience behind the wheel or skills at remaining safe, insurance is an essential part of the process. Auto insurance must protect your teen from financial loss in the event of an accident. Not only does your teen need coverage, but they also have to understand how and when to use it.

At Amy Tounget Insurance Agency LLC, we work with families in Midlothian, TX, and the surrounding areas to find the proper auto insurance policies that meet their drivers’ needs.

When to Add Your Driver to Your Current Insurance Policy

As your teen starts learning to drive, it is time to add them to your insurance policy. A good rule of thumb is to add them at the same time they secure their learner’s permit. That protects them and you from accidents.

Types of Coverage Your Teen Driver Needs

Teens need the same types of coverage that other drivers do, including liability insurance to operate safely on the state’s roads. You should also choose coverage that protects the value of your vehicle, such as comprehensive and collision insurance. Uninsured and underinsured motorist coverage is also a valuable investment for most drivers.

Should Your Teen Have Their Own Policy?

Typically, adding your teen driver to your insurance policy is all it takes. If your teen does not live in your home or owns their own car that you do not own, then they may need a separate insurance policy. It is a good idea to consider adding your teen to your household auto insurance policies if you expect them to be driving your vehicles on a routine basis.

Choose the Coverage You Need from Our Team

At Amy Tounget Insurance Agency LLC, we will help you get the auto insurance you need in Midlothian, TX, to protect all of your drivers. Contact us for guidance.

Today, many states require auto insurance to drive a vehicle on the road. Many drivers opt for driving without coverage because it’s cheaper short term, but there can be devastating consequences for uninsured drivers in Midlothian, TX. 

Fines

Uninsured drivers can face hefty fines, up to $1,000, even if it’s their first offense. First-time offenders often receive lower fines, but it depends on the judge. The fines tend to increase if you’re caught driving without insurance multiple times. The penalties get more severe for repeat offenders. 

Financial Liability

You may have to pay for any damages caused in an accident that’s your fault. You may not have the money in your bank account, but that just means you’re responsible for paying it later. You’ll wind up in court with a liability lawsuit, resulting in more expenses, such as attorney fees. Usually, it’s cheaper to work with a company like Amy Tounget Insurance Agency LLC to obtain an auto policy that meets the legal requirements. 

Losing Your License

Some people get their license suspended, so they can’t legally drive. But because most people need to get to work, they may drive without a license or insurance. Once caught, their license is suspended longer, starting a vicious cycle of driving without a license and paying fines. 

Impounded Vehicle

You may lose more than your license; the police can also impound your vehicle. This is commonly seen with repeat offenders. Then, you’re responsible for paying impound fees, reinstatement fees, and more. 

Most people avoid insurance because they think it’s expensive. Here at Amy Tounget Insurance Agency LLC, we’ll work with you to obtain an auto insurance policy. Contact us. We’re currently serving the Midlothian, TX, area.