Click to Call
Amy Tounget Insurance Agency, LLC

641 Highlander Avenue
Suite 108
Midlothian, TX 76065

Get Directions

Amy Tounget Insurance Agency, LLC Blog

Low-Mileage Driver? What About an EV?

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!

Four things not to do when it comes to auto insurance

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. 

Do I Need a Police Report to File an Auto Insurance Claim?

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. 

Tips to improve your gas mileage

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.

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.

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. 

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.

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. 

 

 

 

 

 

What auto insurance is required in Texas

Making sure that you are covered before you hit the road is important. In Texas, you have to prove financial responsibility but aren’t required to do that with auto insurance. Most people, however, find that auto insurance is the easiest way to prove you are responsible. Financial responsibility is making sure others are protected from you. At Amy Tounget Insurance Agency LLC in Midlothian, TX, we work without customers to make sure that the coverage we recommend meets their needs. 

The type of auto insurance that protects others is liability coverage. The amount you should have is 30/60/25. That covers one person in an accident up to $30,000 in personal injury, with the total for the entire accident of $60,000. Damage to personal property should be covered for $25,000. But even though this is all you must have, it doesn’t mean it’s what you should have. 

Having the bare minimum may not offer you enough protection for your assets in the event of a serious accident with injuries. 

If you have a car loan or lease a vehicle, you will be required by the lender to have insurance that protects the vehicle they have an investment in. Collision insurance protects your vehicle in the event of an accident that you are responsible for or where the other driver has inadequate insurance. It also protects you in the event you are the victim of a hit and run. 

Comprehensive insurance protects your vehicle from things other than a collision that damages your car. It can be theft or vandalism, weather-related events like wind, hail, or flooding. Anything other than a collision will most likely be covered. 

To discuss your auto insurance needs, Amy Tounget Insurance Agency LLC in Midlothian, TX is here to provide the service and products you require.

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.

Our Community



Midlothian Community Guide

Testimonials


Google Reviews
  • Aegis
  • All Risks
  • Aviva USA
  • Banner Life
  • Berkshire Hathahway GUARD
  • Foremost
  • Kemper
  • Maison
  • Nationwide
  • Progressive
  • Risk Placement Services
  • Safeco
  • State Auto
  • Texas Mutual
  • The Hartford
  • Travelers
  • Wellington
  • Wright Flood
  • Zurich