Car Insurance
Houston - Post Oak, Houston - Briar Forest, Sugar Land - Greatwood, Tyler

A great car insurance policy protects you and other drivers. So how do you know that your policy is really going to do its job when you need it? How do you know you are getting the best value for your insurance dollar?

There are several categories of car insurance to consider:

• Liability insurance covers other people and their property (including other vehicles)
• Collision insurance covers your vehicle and your passengers
• Comprehensive coverage is for damage not caused by collisions, such as fires, theft and animal-related accidents
• “Full coverage” is a combination of liability, collision and comprehensive insurance.

Note also that some states require “no-fault” insurance, in which each insurance company covers its own policyholders in case of an accident.

How is it possible for every insurance company to save you hundreds of dollars on your auto insurance?

You’ve heard those examples of a person saying "I saved $500 when I switched," but that doesn't mean everyone will save that much. Rather, that person’s situation happened to be a better fit for that particular insurance company. The reality is that rates do change—sometimes prices go down, sometimes up (and currently they are on the rise). However, the real secret here is that every insurance company has their own rating system. For example, one company may favor certain characteristics and thus rate them differently—from your age to the make and model of your car, to your mileage, and so on. Every auto insurance company is a little different.

When Should I Shop For New Car Insurance?

Any time is a good time! It all depends on your expiration date, and on whether your policy is actually in danger of expiring. Auto insurance policies will generally auto-renew unless one of two things happen:

The company cancels your policy. It might be because of non-payment, or it might be because you received too many citations or had too many accidents. Whatever the reason, it’s a common practice to give 45 days’ notice to let you know you’re being cancelled or “non-renewed.”

You cancel your policy. If you tell your car insurance company that you don’t want to be their customer anymore, the company has no recourse but to cancel your policy. Even if you cancel, though, you can usually get your policy reinstated (or at least get a new one) if you talk to them within a couple of days of cancellation.

Unless you or your insurance company cancels your auto policy, the main sense of urgency comes from quoting new car insurance and buying in time to qualify for the “early quoting” and “early binding” discounts.

How Do I Get Auto Insurance Discounts?

You want to make sure when you hit the road that you have adequately covered your risks with a car insurance policy that is right for you. That doesn't mean you have to pay a lot to do it! Part of matching your situation with the right insurance company also means examining the many car insurance discounts available to get you a better car insurance price. Auto insurance discounts are available for a variety of factors. We will consult with you to make sure we maximize your car insurance discount opportunities, including good student and good driver discounts as well as discounts for multiple vehicles insured. You could qualify for additional discounts if your car has airbags, anti-theft devices, and/or automatic seat-belts. Discounts are also available if you insure both your home and your automobiles with the same company.

Here are some additional ways you can save on your car insurance:

• Ask for a higher deductible
• Check the cost of insurance on a vehicle before you buy
• Bundle homeowners and car insurance
• Maintain a good driving history
• Reduce certain coverages on older cars
• Drive fewer miles

Get better car insurance and save money by using a local Leavitt Group Texas Select insurance agent.

We know cost is important, and so is your family's financial security. We all like a good deal, but a car insurance policy that fails to truly protect you is not worth the lower price you may have paid for it. Many states have "minimum" amounts of car insurance that a driver is required to have. Unfortunately, these policies are often simply not enough to protect your family's financial stability in the face of many types of car accidents (especially those involving multiple cars).

Our local auto insurance agents near you will help you select the right amount of liability coverage, personal injury protection, medical expenses coverage, and uninsured and underinsured motorist coverage. Because of our ability to match your needs with the auto insurance company that is right for you, we are often able to provide our clients with car insurance policies that provide increased and much needed coverage without adding significantly to the cost.

A Leavitt Group Texas Select insurance agent near you is there to make sure your car insurance does its job: keeps you protected in case of an accident. Contact us today to get a car insurance quote customized to your needs.

Frequently Asked Questions

• What are the implications of using my personal vehicle for business on my insurance policy?

  Using your personal vehicle for business purposes can affect your coverage. Personal auto insurance may not cover business-related accidents or liabilities. You may need a commercial auto policy or a business-use endorsement to ensure proper protection.

• How is it possible for every insurance company to save you hundreds of dollars on your auto insurance?

  If everyone saved $500 every time they switched companies, car insurance would eventually be free. The reality is, rates do change sometimes prices go down, sometimes up (and currently they are on the rise). But, the real secret here is that every insurance company has their own rating system. For example, one company may favor certain characteristics and thus rate them differently from your age, to the make and model of your car, to your mileage, and so on. Every insurance company is a little different. So, those examples of a person saying "I saved $500 when I switched," doesn't mean everyone will save that much. Rather, that particular person's situation happened to be a better fit for that particular insurance company. This is why using a Leavitt Group Texas Select independent car insurance agent is so critical when selecting your auto insurance and other insurance products. A Leavitt Group Texas Select agent represents more than just one local insurance company. We have the ability to comparison shop among different insurance companies until we find the one that favors your unique set of risks. The result? You get the most value for your insurance dollar. Get better car insurance and save money by using a local Leavitt Group Texas Select insurance agent. We know cost is important, and so is your family's financial security. We all like a good deal, but a car insurance policy that fails to truly protect you is not worth the lower price you may have paid for it. Many states have "minimum" amounts of car insurance that a driver is required to have. Unfortunately, these policies are often simply not enough to protect your family's financial stability in the face of many types of car accidents (especially those involving multiple cars). Our local auto insurance agents near you will help you select the right amount of liability coverage, personal injury protection, medical expenses coverage, and uninsured and underinsured motorist coverage. Because of our ability to match your needs with the insurance company that is right for you, we are often able to provide our clients with car insurance policies that provide increased and much needed coverage without adding significantly to the cost. In fact, sometimes the cost has been the same, especially when we bundle your car insurance policy with your other insurance needs. Our professionals have the resources to deliver exceptional car insurance policies at extremely competitive prices. You want to make sure when you hit the road that you have adequately covered your risks with a car insurance policy that is right for you. That doesn't mean you have to pay a lot to do it! Part of matching your situation with the right insurance company also means examining the many car insurance discounts available to get you a better car insurance price. Auto insurance discounts are available for a variety of factors. We will consult with you to make sure we maximize your car insurance discount opportunities, including good student and good driver discounts as well as discounts for multiple vehicles insured. You could qualify for additional discounts if your car has airbags, anti-theft devices, and/or automatic seat-belts. Discounts are also available if you insure both your home and your automobiles with the same company. Here are some additional ways you can save on your car insurance: Ask for a higher deductible Check the cost of insurance on a vehicle before you buy Bundle homeowners and car insurance Maintain a good driving history Reduce certain coverages on older cars Drive fewer miles Selecting the right car insurance coverage for your needs. When it comes to car insurance, there are numerous options on the market. However, not all policies are created equal. While the insurance policy with the lowest price might be most attractive to you, selecting an option solely on price might end up costing you in the long run. Leavitt Group Texas Select near you is here to make sure your car insurance does its job: keeps you protected in case of an accident. As independent Leavitt Group Texas Select agents, we can do the shopping for you, apply applicable discounts, and most importantly make sure you have the right car insurance coverage for your situation.

• So how do you know that your policy is really going to do its job when you need it? How do you know you are getting the best value for your insurance dollar?

  Our insurance professionals do things differently. We don't just represent one insurance company, but rather we have access to all of the top companies in the nation and can help you select the policy and price that is right for you.