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Auto Insurance In McAllen, TX

by host on Wednesday, May 27, 2015 7:53 PM

An auto insurance covers liability in any case there is an accident in which, the driver is at fault. To have the best of benefits, you must choose an insurance policy that suits your needs.  You can add optional coverage to your basic comprehensive and collision coverage to offer complete protection to the insured vehicle. Here are some tips to choose the right auto insurance policy.


  • Check the minimum requirements of your state: Every state has its own minimum liability limits; therefore, it is essential that you ask your agent about the minimum required limits for auto insurance.
  • Consider your needs and circumstances: Before you choose auto insurance, evaluate your needs and circumstances. For this, ask yourself what is your driving record, do you have an accident history, how often do you drive, age and type of your vehicle, your age, gender and if you need to list any other person. 
  • Set the right deductible: You must understand that the higher is your deductible, the lower will be the premium, and this may require you to pay more money out of your pocket in the event of an accident. If you have a clean record until now, you may choose a higher premium. This will help you increase your savings. 
  • Ask for discounts: As a driver, you can avail a number of discounts such as insuring multiple vehicles with an insurance company, having home and auto insurance from  a same company, etc. You can be eligible for discount if you have taken any safe driving course, have no lawsuit against you and have a clear driving record.
  • Check out the various policies offered by prominent companies according to your requirements and find the best policy for you.
    1. Know about different types of coverage available: It is important to know what coverage you are buying while getting auto insurance and for this, you must understand different types of coverage available. Some of the coverage includes
    2. Bodily injury liability: This covers any death and injury claims filed against you besides the legal costs in the incident when someone is killed or hurt due to your fault.
    3. Medical payments or personal injury protection: It covers medical costs for injuries to yourself and your co-passenger. 
    4. Property damage liability: covers claims for property damaged by your car in an accident.
    5. Collision coverage: covers damage to your vehicle.
    6. Comprehensive coverage: covers your vehicle for physical damage from theft, flood, fire, earthquake, vandalism, and other non-accident causes.
    7. Under-insured motorist protection: covers claims that you make against a driver with inadequate insurance.
    8. Uninsured motorist protection: covers injuries caused to you and your co-passengers by uninsured drivers or in case of hit-and-run case.
These tips will surely help you find the best auto insurance policy.


The auto insurance policies provided at Smith-Reagan Insurance Agency are specifically tailored for each client in San Benito and McAllen, TX

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