Is having an auto insurance plan in Texas a good investment?

If you are in the Victoria TX area, you will quickly find that owning a car is a good idea. When you are in this part of the state, having your own vehicle will make it far easier to get around the community efficiently. It is also essential to choose an insurance plan when looking for a car. Having a proper auto insurance plan can be a good investment for various reasons.

Reduce Liability Risk

One reason that having an auto insurance plan is a good idea is that it will help to reduce your liability risk. Those that are going to purchase a car and drive it will take on liability risks regularly. If you cause an accident, you will have to cover damages. Fortunately, you can have protection for these costs if you have an auto insurance plan as it will include a liability provision.

Protect Vehicle

Your auto insurance plan is also a good investment as it is an excellent way to protect your vehicle. When you own a car, you will want to know it is protected if there is an accident or other situation that results in a loss. With your auto insurance policy, you will have the support you need, which will minimize your costs if you incur a loss. 

As you are looking for a new auto insurance plan in the Victoria TX area, you will want to know that you are picking the right plan for your situation. Once you are ready to start looking for an insurance plan, you should call the Atzenhoffer Insurance Agency. The team with the Atzenhoffer Insurance Agency understands the value of this coverage and can help you build the right plan that meets your needs and appropriately covers your vehicle. 

Broken Car Mirrors: Are You Covered?

At Atzenhoffer Insurance Agency, we experience many unique claims. For example, many Victoria, TX, residents come to us with broken mirrors and wonder if their policy can help. Here’s what you must know about this situation.

Are You Covered When Your Mirrors Break?

Your insurance policy is likely to cover broken mirrors on your car in most situations. The coverage here all depends on whether you caused the problem or if someone else did. For example, if a vandal snapped off your side mirrors as a joke or because they do not like you, then your insurance company will pay for their replacement. They’ll help after you pay your deductible for the year.

However, other types of situations may also be covered. For example, if another person hits your vehicle, and it is not your fault, your mirrors should be replaced with no complaint. But if you are to blame for the damage to your mirrors by causing the accident, your policy may not cover you. Again, this depends on the value of your policy, as comprehensive options may cover all damage and repairs. 

That said, any other damage that you cause is NOT covered. For example, if you drive too close to a building and damage your mirrors, you are at fault and likely cannot get your mirrors covered. Similarly, you cannot get covered if you break the mirror on purpose or attempt to fix it yourself and cause damage. Those actions void your policy and put you in a challenging situation as a person.

Insure Your Mirrors Properly 

If you’re worried about this issue, please contact us at Atzenhoffer Insurance Agency. We serve Victoria, TX, and can help you find an auto insurance policy that makes sense for your needs as a person.

Does Auto Insurance Cover Theft Of Personal Items?

It is important when filing an insurance claim that you know who to call. So let’s say someone breaks into your car while it’s parked at your job, and they steal a few items you had in the backseat. Will your auto policy with Atzenhoffer Insurance Agency cover that?

When it comes to personal belongings, the coverage actually falls to your home insurance provider. Even if your items were stolen or damaged while in your car or at a friend’s house. The home insurance policy covers your possessions whether they’re in the home or outside of it, just so long as you didn’t leave them lying around where just anyone could grab them.

Personal belongings in the car are covered in some instances, but the general rule is that if it’s not bolted down, it’s the home insurer’s problem. A car stereo, for instance, would be covered by your auto insurance. But a boom box sitting in the passenger seat would be covered by your home insurance.

Not all insurance policies are the same, and some auto insurance providers may cover certain belongings in the vehicle. In RV insurance, for instance, you might have some protection for items in the vehicle. But by and large, anything that you can remove from the car without popping the hood or opening the toolbox, your home insurance provider will cover it.

If you have any questions about auto insurance in Victoria, TX, or you’re looking to get covered, call Atzenhoffer Insurance Agency. Atzenhoffer Insurance Agency is here to provide Victoria, TX drivers with great deals on the auto insurance policies they need.

Why insuring your car is essential

Are you thinking of leasing or purchasing a car? One of the most crucial things that you need to think of is car insurance. This will give you peace of mind if your car is damaged, stolen, or written off due to an accident. Over and above that, you won’t spend your savings on fixing your car. However, that will largely depend on the car insurance you have taken. In other words, is it a liability coverage that covers your legal responsibility to others for bodily injuries or car damage? Or is it a property coverage that pat theft and damage to your car? This is why you need car insurance:

1. Car insurance is mandatory

Drivers of the 49 states in the US are obliged to carry active car insurance. Some people might think insurance payments are steep, but what they don’t know is penalties for driving without it could add up to thousands of dollars. For example, in Victoria, TX, fines range from $2,000 to $70,000. You can avoid paying those fines by taking car insurance. 

2. You are safe from a lawsuit

No driver is perfect; anyone is prone to making a mistake while on the road. Once this happens, other drivers are likely to sue, in which case you will have to compensate them. If you take auto insurance that covers such incidence, you will have peace of mind. 

3. You will know that your car won’t be devalued

Another good reason why you should consider taking car insurance is that your car won’t be devalued. As you might know, a devalued car is not easy to sell. Need car insurance for your new or second-hand car Atzenhoffer Insurance Agency would like to hear from you.

Tips On Choosing The Right Auto Insurance

Choosing auto insurance for your vehicle is an important and intimidating decision because there is a lot to consider. Here are some useful tips from Atzenhoffer Insurance Agency serving Victoria, TX to help you get the right insurance that will meet your budget and needs:

Take Your Time To Shop Around

It is never a bad idea to compare rates from a few different insurance companies and shop around. It would help if you don’t rush to purchase the first policy you like or heard about. Take your time, do your research, talk to agents from at least three companies, and finally, you will be able to make an informed decision. 

Avoid Purchasing The State Minimum 

The state of Texas all car owners to carry the minimum liability insurance. However, in most cases, it is not a car owner’s best interest. Even though the minimum coverage provides some protection, it is not always enough if a person is involved in a severe car accident that results in injuries. Therefore, it is always recommended to increase an insurance plan, just in case. 

Evaluate Your Assets

Before purchasing a particular insurance plan, you need to evaluate your assets and determine how much they are worth. A good rule of thumb is to get a car insurance policy that provides coverage equal to the value of personal assets. It is a guarantee that your assets will be protected in case of an accident.

If you are a car owner from Victoria, TX or any other surrounding areas and you need to get or update your current auto insurance, do not hesitate to contact Atzenhoffer Insurance Agency. Our experienced agents will answer all your questions and help to find the policy you need.