Insurance Over Texas

430 Hwy 6 S. #102
Houston, TX 77079

About Insurance Over Texas

Auto insurance add-ons you may want to consider

Everything’s bigger in Texas and when you hit the roads, so are your risks. Having the right auto insurance makes all the difference. You can drive with confidence that you are covered no matter what happens. With more than 30 years of experience, Insurance Over Texas in Houston, TX is family-owned and operated. As an independent insurance agency, we are able to offer you more choices, and our complete loyalty. We work for our customers, not one insurance carrier.

Roadside assistance

If you have a breakdown when you are out on the road, it can be very disturbing. Being able to call to get the car towed or to get the flat tire fixed gives you peace of mind. You may already have this type of coverage through the auto club. The cost of roadside assistance from your auto insurance company is a fraction of the cost of the auto club. If you are looking for a way to save a little money, getting roadside assistance helps. 

Gap coverage

When you buy a new car, you often have an auto loan. Everyone knows that as soon as you drive your new car off the lot, it loses value. If you buy a car and then it gets totaled in 3 months, chances are very good that you will not get the amount that you owe from the insurance company. Gap coverage will cover the gap between what you get, minus the deductible, and what you owe on your car loan.

Rental reimbursement coverage

When you have an accident and your car is damaged, you need to have a rental to drive until yours is fixed or you buy a new one. Rental reimbursement coverage will provide you with a car for a predetermined number of days. 

Contact Insurance Over Texas in Houston, TX for all your auto insurance needs. 

Do I need auto insurance when my car loan is paid off

Given the price of buying a new car, your car loan may be as long as 6 years. After paying for such a long time a celebration is called for. Not having a payment every month is worth celebrating. When you have a car loan, you must have a fully loaded insurance policy. Once you are not required by the lender to have auto insurance you may be considering letting your coverage lapse. At Insurance Over Texas Houston, TX we put our customers’ needs first and will work with you to find quality insurance at a price you can afford. 

The answer to the question "Do I need auto insurance when my car loan is paid off?" is yes, in Texas you do. You need to carry liability coverage in the amount of 30/60/25 or if not liability insurance then provide proof of the financial means to pay out of your own pocket for any damage you cause. In Texas, a basic policy will also include PIP (Personal Injury Protection) insurance and uninsured/underinsured motorist coverage unless you specifically ask to have it not included. 

The other types of coverage available but not required are collision and comprehensive. Collision protects your vehicle in the event you are the responsible party in an accident. Depending on the value of your vehicle, this coverage makes sense. If your vehicle has a value of less than $1,000 then you can skip it. Comprehensive covers your vehicle from hazards you have no control over. If your car is stolen or vandalized, damaged by flooding, fire, or high winds and hail, this insurance will pay to have your vehicle repaired or replaced. 

Contact Insurance Over Texas in Houston, TX to get a no-obligation auto insurance quote and the answer to any insurance questions you may have. 

How Much Auto Insurance Do I Really Need?

Few of us would debate the need for auto insurance if we’re currently navigating the streets and highways in a car. It’s an absolute necessity. However, many people may wonder exactly how much insurance coverage is actually a necessity. The answer to this question will vary according to where you live. States have their own requirements when it comes to the minimum auto insurance state residents are required to carry as drivers. However, there are other variables that you’ll need to consider when it comes to accurately answer the question. 

State Minimums

As a driver, how much auto insurance you are required to cover will initially be determined by the state in which you live. Texas residents, like residents in other states, are required to carry specific minimums in auto insurance. Auto liability coverage is a requirement in the amount of $30,000 for bodily injury liability, this is per individual. Liability insurance minims also include coverage of $60,000 per accident. This insurance also includes liability coverage that includes $25,000 for property damage. All Texas drivers must carry these minimums in order to legally drive in the state of Texas.

Other Considerations

The minimum coverage may be adequate for many Texas drivers. It meets the state’s legal requirements to operate a vehicle. However, you may have other obligations that extend beyond the state’s requirements. For example, if you took out an auto loan to finance your car, more than likely the lender will require you to carry comprehensive insurance. Comprehensive or full coverage insurance coverage protects the lender by ensuring that their investment is protected and they can be compensated if something happens to the vehicle before the loan holder has paid off his or her auto loan. Insurance Over Texas of Houston TX takes pride in educating Texas residents about the state’s auto insurance requirements. We are also committed to helping Texas drivers choose coverage limits that will be most beneficial to them and understanding what’s truly necessary and what isn’t. Give us a call. We can’t wait to answer your questions. 

Does your car insurance increase after an at-fault accident?

An at-fault car accident in Houston, TX does more than devastate you and the other party involved. The financial effect of the incident can last for more than five years, given the fact that your insurance premium increases after the crash. The agents at Insurance Over Texas can help you understand how your indemnity policy works so that you can better understand the effects of an at-fault incident. 

What happens after an accident?

The first thing you should do after an accident is to assess personal injuries. You should contact emergency services if individuals are hurt.

Another step to take at the scene of an accident is to assess the damages. It may seem cold-hearted to capture video footage and pictures of the wreckage. Such a step, however, can save a lot of time when you file a claim. It is not necessary to film the victims at the incident. You should, however, capture footage of the damaged vehicles and property while also exchanging information with the other party, if at all possible. 

Filing a claim

Your Insurance Over Texas agent can walk you through the process of filing a claim after an accident in Houston, TX. You generally need the information of other parties involved along with any police reports written in reference to the incident. It may also be a good idea to submit your video clips and pictures from the scene so that the agent gets a better idea of what happened and how much is needed to resolve the matter. 

Does the insurance premium increase after an accident?

Your car insurance premium will increase if damages exceed $2,000. It is not uncommon for an insurance company to charge more in monthly premiums for up to five years after an at-fault accident. 

An agent at Insurance Over Texas can help you find the right insurance policy that fully covers you in the instance of an accident. Call today to get started with a quote!

Is It Time to Replace Your Car?

It’s easy to get attached to a car, especially if it has sentimental value. Older vehicles, however, eventually lose their reliability, making it necessary to upgrade to a newer model. At Insurance Over Texas in Houston, TX, we know the importance of having dependable transportation for you and your family. The following signs could indicate it’s time to trade in your used vehicle for a safer, more dependable car.

Rising Repair Costs

If your vehicle is constantly in the shop for repairs, it’s time to get another car. Constant repairs waste time and money that’s better spent on upgrading to a newer vehicle. 

Old, Worn Appearance  

Sometimes a vehicle runs well but has a very bad appearance, i.e. dented or rusty body, torn seats, broken door or window handles, cracked mirror, etc. If your vehicle has reached this state, it’s time to replace it with a newer model.

Reduced Fuel Efficiency

As cars age, they tend to consume more gas. With the price of gas constantly on the rise, it’s good to have a vehicle that’s fuel-efficient, especially if you do a lot of driving. If your clunker has become a gas guzzler, you can probably save money by upgrading.

Safety Problems

If your car has issues that put your safety at risk, it’s definitely time to give it up. Don’t wait for an accident to happen before deciding to trade it in. Your safety is worth the extra cost of a newer car.

Insufficient Space

Lack of space for a growing family is another good reason to replace an older car. It’s important you have a car that adequately meets your family’s needs.

When upgrading your vehicle, don’t forget to update your car insurance. Learn more about auto insurance options and costs by contacting Insurance Over Texas in Houston, TX.

What you can do when your car is totalled

When your car has been in an accident, the insurance company may declare it a total loss and offer you the fair market value of the vehicle. In Texas, state law requires the insurance company to call it a total loss if the repairs are the same or more than the vehicle’s value. Insurance over Texas, located in Houston, TX, can help you get the insurance you need and will work with you if you have an accident in your vehicle.

The fair market value is based on a formula of many items, like the value of similar cars, the condition of your vehicle and such things. That will be all the insurance company will pay you for, and if you owe more than that on the car, you will still have to pay that debt off out of pocket. There is gap insurance to cover that if you owe more than the car is worth and umbrella insurance to extend your limits.

If you do not agree with the fair market value the insurance company offers, you can get your own estimate at your own expense. Gather comparison prices and go to the insurance company and talk about it.

In getting the fair market value, you are selling the insurance company your car in essence. If you want to keep the car, you may do so, but it is a little complicated.  Let your insurance company know you want to keep the car, and if it has not been auctioned, you can keep it. If it has been sent to auction, you may be able to buy it there. The insurance company will subtract the car’s salvage value and pay you the remainder of the car’s fair market value, minus your deductible. For all your insurance needs, visit in person or give us a call at Insurance Over Texas in Houston, TX.

 

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