In Austin, TX, When is Full Coverage Auto Insurance Required?

Residents who live in the Austin, TX area have several options available to them when it comes to auto insurance. Many are unsure of what type of insurance will best suit their needs. The agents of Southwest Insurance Center can answer a variety of questions you may have when it comes to how much insurance you need and what type of policy will provide you with that amount of coverage. Comprehensive or full coverage is not always needed. By discussing your options with your agent, they will be able to find a policy that meets your needs and will still remain within your budget. 

Comprehensive insurance, otherwise known as full coverage, covers a wide variety of damages, including injuries to individuals in the vehicle. Full coverage insurance is required by many lending agencies as long as there is a loan on the vehicle. Once the loan is paid off, the owner can choose any insurance policy they like. When choosing an insurance policy, you need to take into consideration the book value or replacement cost of your vehicle and insure it accordingly. If the vehicle is ten years old or older, it may be more cost-effective to opt for collision coverage. 

The agents of Southwest Insurance Center can offer sound advice to residents who live in the Austin, TX area. If you need answers to your insurance questions or are looking to have your existing policy updated or reviewed. Call their office and discuss your options. While it is important to know how much insurance your state requires you to carry, it is also important to know the value of your vehicle and what it will take to replace it. Call Southwest Insurance Center to find discuss your policy options. 

Before You Float, Protect Your Boat – Austin, TX

The summer time is meant to be full of fun in the sun without the worry of unexpected issues.  However, accidents happen especially when you are out boating with friends and family.  While boat insurance is not required in the state of Texas, there are many benefits to having insurance that can help protect yourself, family, friends and those around you.  

 According to Texas state law, your boat falls under Automobile Protection.  This may sound daunting, but the Southwest Insurance Center makes this process easier for you.  They take into account that boating involves interactions with not only the water but those around you.  Should an accident happen, having liability protection is a must.  Having Personal Injury Protection (referred to as PIP) protects you should someone harm you or your boat.  Of course, there is also overall insurance much like your regular vehicle.  Each of these aspects of insurance is considered by your Southwest Insurance Center Insurance Agent.  All you have to do is make a single call.

All of this may seem to be unnecessary, but should an unforeseen accident happen, not only might your boat be covered, but injuries sustained by yourself and by those nearby could also be covered.  With Southwest Insurance Center, a single phone call can strip away the worry that comes with not having an insured vehicle.  Remember, a boat is just like a car and prone to accidents.  In 2015, over 39,000 recreational vehicle accidents occurred which caused over $487,000 worth of property damage.  Instead of waiting to find the right way to purchase insurance for your boat before you float, call the Southwest Insurance Center today and work with an Insurance Agent to find the best coverage to fit your boating needs.