Auto Insurance

Un carro rojo

Seguros de carros y el responsabilidad en Tejas

La ley en Tejas requiere a las personas que manejan paguen por los accidentes que causan mientras conduce un coche y los seguros de carros. La mayoría de los conductores cumplen con esta ley comprando seguro de responsabilidad civil o “liability insurance”.

Este artículo trata sobre el seguro de responsabilidad civil para automóviles en Texas. Sujeto a los límites establecidos en la póliza, esta cobertura paga por la reparación o reemplazo del vehículo de la otra persona y paga los gastos médicos de otras personas cuando usted es responsable de causar un accidente. Lo que no paga son tus gastos médicos o para reparar o reemplazar tu vehículo. Para tener estas coberturas considera comprar otro tipo de seguro como gastos médicos, protección contra lesiones personales y daños físicos – para cubrir tus gastos después de un accidente.

Cuando compras el seguro para cumplir con la ley de Tejas debes también cumplir con los limites que la ley requiere. Por lo mínimo debes cumplir con los limites de $30,000 en gastos médicos a terceros con un máximo de $60,000 por accidente y $25,000 en danos a propiedad. Puedes comprar limites más altos para protegerte de un reclamo que pueden exceder estos límites.

Hay sanciones severas por no cumplir con estas leyes incluyendo multas, recargos, posible suspensión de tu licencia de conducir y hasta confiscación de tu vehículo.
Después de comprar tu seguro de responsabilidad civil, recibirás un comprobante de seguro para probar que mantienes este seguro. Esta prueba de seguro te sirve para probar el seguro después de un accidente, para registrar tu vehículo, para la inspección de tu vehiculo y para presentar si te llega a detener un oficial de la ley.
Para más información sobre seguro de responsabilidad civil y otras coberturas, visita la siguiente pagina.
https://www.tdi.texas.gov//pubs/consumer/cb020s.html

Northside Insurance Agency en Fort Worth Texas representa una multitud de compañías de seguro que ofrecen seguro de auto a buen precio. Ofrecemos pagos mensuales y pagos iniciales bajos. Llamanos al (817) 626-3100 para un presupuesto rápido, gratis, y sin obligación en seguros de carros.  También nos puedes visita en nuestra pagina de web https://northsideinstx.com/home-spanish/

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Car with family

Texas Car Insurance Guide

The Texas Department of Insurance has published a guide which gives basic information about car insurance in Texas and issues involving Texas automobile insurance.

The guide discusses the minimum limits required for auto liability insurance, proof of financial responsibility requirements, and penalties for driving without insurance. It also outlines auto insurance coverages including liability coverage, coverage for damage to your vehicle (collision and comprehensive), increased limits, medical payments coverage, personal injury protection coverage, uninsured motorist coverage, towing and labor coverage, and rental reimbursement coverage.

The guide also gives some tips regarding shopping for insurance, issues regarding young drivers, factors that affect your insurance rate, driving out of state, deductibles, what happens if you buy a car, what your lender may require if you owe money on a car, and many other issues about car insurance in Texas.

To access the guide, follow this link, Texas Department of Insurance – Auto insurance guide.

Since 1998, Northside Insurance Agency in Fort Worth Texas has been writing quality affordable auto insurance through multiple carriers. As an independent agent, we can look for the best rate for your car insurance. Affordable monthly premium payments are available. If you have questions about auto insurance or would like a free quote with no obligation, call us at (817) 626-3100 or visit our website at www.hemphillinsurance.com

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family with children outside car

Why is my auto insurance renewal premium so high?

The renewal bill from the insurance company arrives, and lo and behold it’s a lot higher than last year’s.

What gives?

There are many reasons it may have increased, and it may be time to shop for a different insurance company. An independent insurance agent represents multiple insurance companies and programs so can shop for a better rate if the company you are currently with goes up. Northside Insurance Agency is an independent insurance agent serving Fort Worth and North Texas since 1998.

If your renewal premium went up it may pay to take a few minutes to talk to your current agent to see if there is anything that can be done. If you current agent can’t get the rate lower, it may be time to shop elsewhere. Below are a few reasons why your renewal may have gone up, and what you might do about it. If any of them apply to your situation, talk to your current agent and the agents you are getting quotes with.

Did you add a new vehicle recently?

Insurance companies use a variety of rating factors in order to establish the premium they charge you including charges specific to the year make and model of your automobile or truck. The insurance company that was cheaper when you had your old car, may not be the cheapest for your new vehicle. If your current carrier surcharges the model of vehicle you added, it’s time to check other insurance companies.

Did you have a accident, ticket, or insurance claim recently?

Most insurers will raise your rate if they pay a claim, and the increase can be substantial. Ask your current agent if he represents another insurance company who won’t surcharge your rate as much. The insurance company that had the best rate when you had no tickets or accidents is sometimes not going to be the cheapest if you have an accident. If your current agent does not have a better rate, it may pay to shop with another agent.

Did you add a young driver onto the policy recently?

Policies are rated based on the age and experience of the drivers. If you added a youthful driver to the policy recently, your rate may have gone way up. Insurance companies do not surcharge youthful drivers the same, however. Additionally, some insurance companies offer discounts to help get that high rate down on youthful operators. Ask your agent if your youthful operator qualifies for any of these discounts or statuses.

  • Good Student Discount – for young drivers attending school full-time that maintain good grades
  • Driver Training Discount – for young drivers who complete an approved driver training course
  • Occasional Operator Status – for young drivers who are not the primary operator of any vehicle.
  • Permit Rating – for young drivers who are not yet licensed but have their learners permit
  • Distant Student Status – for students away from home that only use the covered vehicles occasionally.

Did you move?

Auto insurance rates are based in part on where you live. Some insurance companies even have different rates among zip codes within the same town or county. The insurance company that offered you the lowest rate when you lived on the north side of town, may not have the lowest rate if you’ve moved to the south side. If you have moved recently to another town or another zip code, it may pay to shop.

Finally, the high rate may have nothing to do with you individually. it could be that your insurance company simply raised its rates due to claims or market experience. There are plenty of other insurance companies out there. Just because your current insurance company raised its rates doesn’t mean that another insurance company won’t offer you the same or a lower rate than you had. Most agents and companies offer free quotes. Take a few minutes and see if you can’t find a lower rate. Not all policies are the same however, so make sure you understand what coverage you have and what coverage is being offered, and make sure you deal with an agent you can trust.

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Travelling to Mexico – You Need Mexico Trip Insurance

Now that the kids are out of school for summer vacation many people take time to travel to Mexico for fun and to visit family and friends.

If you are driving into Mexico, you need to Mexico Trip Insurance from a reputable Mexican domiciled carrier.

Your Texas auto policy provides NO coverage in Mexico unless endorsed.

Even if your Texas auto insurance policy shows a Mexico Coverage endorsement, it will be very limited. It will not provide coverage of any kind very far past the border and it will not be accepted by the Mexican Authorities even in the limited areas stated in the endorsement.

A Mexico Trip Insurance policy through Northside Insurance Agency in Fort Worth Texas will provide coverage through a reputable Mexico domiciled insurance carrier and will include Legal Assistance coverage.

We have a variety of programs and coverages available to provide liability coverage to third parties, collision and theft coverage for your vehicle, legal assistance and travel assistance.

Recent changes in Mexican Law have greatly increased caps on legal liability. It is highly recommended that you carry no a minimum of $300,000 in liability limits. Our carriers have these limits and higher at affordable rates. ,Medical Payments coverage for you and the people in your covered vehicle are available as well.

Many border towns offer Mexican insurance but by waiting to purchase later rather than sooner you run the risk of paying higher premiums and waiting in long lines. Be sure to plan ahead if you are traveling to Mexico by calling or coming by Northside Insurance Agency in Fort Worth Texas get a fast, free, no obligation quote for a Mexico trip insurance policy.

Policies are subject to underwriting, and your coverage will be subject to the conditions, limitations and exclusions in the policy.

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I Need Full Coverage Insurance – What Is It?

Full coverage?

At Northside Insurance in Fort Worth, TX, we get lots of calls and walk-ins for quotes for full coverage. What exactly is full coverage? Full coverage unfortunately doesn’t exit. Dealerships frequently ask their customers to ensure the vehicle they are purchasing is insured with full coverage. This is because they are interested in having their vehicle fully covered. The coverages they are referring to are physical damages covered under comprehensive and collision coverage. Purchasing those coverages doesn’t necessarily mean you are fully covered.

Be sure to review any quotes you receive before purchasing to ensure that you are purchasing coverages that best fit your needs. You may be under the impression that you are purchasing more coverage than you really are. If your policy is up for renewal it is also a good time to review your policy coverages and determine if you could forego certain coverages. If your vehicle is older you may decide to remove physical damage coverage. If you are looking to save some money you could always raise your deductible amount for some time.

Look at the link listed below for a more detailed look into what coverages best fit your needs.

Progressive – Answers – Full Coverage

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It’s Motorcycle Season – Is Your Insurance Up To Date

Spring weather is here and so is the time to get out that motorcycle that has been collecting dust in your garage. Is your motorcycle ready to go? I don’t just mean is it mechanically ready and all shined up ready for a spin. Did you make sure that your motorcycle insurance didn’t lapse? If it did make sure to call us, Northside Insurance Agency in Fort Worth Texas, your Progressive Authorized Independent Agent, to get a quote!

Progressive is the #1 motorcycle insurer!!!

Click on the link below to get a full rundown on motorcycle insurance and the type of coverage that fits you best. Be sure to give us a call when you are ready to buy that insurance policy for your motorcycle.

Motorcycle 101 with Progressive

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Progressive now offering Renters Insurance

Progressive Insurance now offers Renters Insurance in Texas.

Progressive Renters Insurance provides personal property and liability coverage for apartment and home renters. Texas renters now can bundle their Renters Insurance with their Auto Insurance and receive a multi policy discount. This can mean real savings.

A Progressive Renters Insurance policy can afford you protection for the replacement cost of your belongings while you rent a house or apartment and includes personal liability protection to insure against life’s unforeseen problems.

You can tailor your Renters Insurance policy with the following available options:

Home Computer Coverage

Increased Limits on Jewelry Watches and Furs

Scheduled Personal Property Coverage for Valuable Items

Northside Insurance Agency in Fort Worth Texas is an Authorized Progressive Independent Agent. If you would like more information on Renters Insurance or to obtain a fast, free, no obligation quote, call us at (817) 626-3100 or visit our website www.northsideinstx.com,

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Get the lowest rate on your Texas auto insurance

It is rare that anyone thinks they are paying too little for their auto insurance, but the good news is, with a little knowledge and effort, you may be able to lower that premium. Here are a few tips on how you might start.

1. Start Shopping

A study conducted by The Office of Public Insurance Counsel (OPIC) supports the idea that shopping your insurance policy can yield savings. The agency’s Executive Director, Deeia Beck said, “according to our data, the longer a policyholder stays with the same company, the more likely it is that they are overcharged.” The study indicates that policyholders who have been with the same company for more than eight years could save over 19% on their annual auto premiums by switching to a new company. Mrs. Beck said, “This would mean annual savings of at least $194 for the average full coverage Texas auto premium.”

Whether you are a new or current client, Northside Insurance in Fort Worth Texas can shop among the dozens of insurance companies and programs we have available for your auto insurance. Call us today at (817) 626-3100 for a fast free quote.

2. Make sure you ask about discounts

Texas auto insurance companies use a variety of factors to arrive at the rate they will charge you, and certain factors allow them to give you a discount on your auto insurance. Below are some of the discounts available with various insurance companies. Make sure your agent takes the time to understand your account so that he gets you all the discounts you are entitled to.

Prior Insurance Discount

If you’ve been continuously insured for 6 months or more, most insurance companies will offer big savings over their rates for people with no prior coverage. Additionally, if you’ve been with your current carrier for more than a year, many insurance companies will further discount their rates in order to attract your business. When getting a quote, be sure to tell the agent how long you have had insurance, and how long you have been with your current insurance company.

Home Ownership Discount

Are you buying your home? Most auto insurance carriers will give you a discount even if you don’t insure your home with them. Make sure you tell your agent if you are a home owner.

Multi Car Discount

Do you own more than one vehicle? It pays to put all your vehicles on one policy. Most auto insurance carriers give a discount when you insure more than one vehicle with them.

Paid In Full Discount

Can you pay 6 months in full? Many insurance companies will give you a discount for paying in full instead of on monthly installments.

Electronic Funds Transfer Discount

If you prefer monthly payments, you may still be able to realize substantial savings if you have a checking account and have the insurance company draft your monthly installments directly each month. Ask your agent if they have an

Advanced Quoting Discount

It pays to shop in advance for your auto insurance. Some insurance companies will give you a discount if you get your quote at least 8 days before your current policy expires. Make sure you tell your agent when your current policy expires when you call for a quote to see if this discount is available.

Paperless Discount

Can you receive correspondence by email or access through the internet? Some insurance companies will discount your auto insurance policy.

Increased Limits Discount

When calling for quotes, make sure you tell the agent if you carry liability limits higher than the Texas state minimum limits (30/60/25). Many insurance companies offer a discount when you have carried higher liability limits.

Educational Level Discount

Progressive Insurance offers various discount levels for having gone to college. Tell your agent about your educational level. Even if you don’t have a degree, you can still get a discount for having taken college courses. Northside Insurance Agency in Fort Worth, Texas is a Progressive Authorized Independent Agent.

SNAPSHOT

Snapshot is a Pay As You Drive program, a type of usage-based insurance. That means that we look at how you drive and reward you with a discount if you’re a safe driver. SNAPSHOT is offered by Progressive Insurance.

Here’s how it works: Progressive will send you the Snapshot device in the mail. Plug the device into your car and drive to share information about how you drive, how much you drive, and when you drive with Progressive. Safe drivers could be rewarded with a discount up to 30 percent. There is no risk of your rate increasing from Snapshot.

For more information on Snapshot by Progressive click – Frequently Asked Questions About Snapshot.

If you would like a quote or to see if Snapshot might save you money, call Northside Insurance Agency at (817) 626-3100. Northside Insurance Agency is a Progressive Authorized Independent Agent. serving Fort Worth and North Texas.

* These discounts apply to Texas personal auto policies only. Not all insurance companies offer all the discounts. This is merely a brief summary of some discounts which may be available.

3. Review your coverages.

If you have an older car, it may no longer make sense to cover it for collision. If you are carrying low deductibles, see how much it saves you to raise them. If you are carrying rental reimbursement and own several vehicles, it may not make sense to carry rental reimbursement. Ask your agent to review your current coverages with you.

4. Update your information

If you no longer use a vehicle to drive to and from work, you may need to have it re-classified as a pleasure vehicle. If you or a family member has completed a driver safety course, or it has been more than three years since a ticket or accident let your agent know. If you completed a degree, started college, or your child has good grades, you may also be able to save money.

Have questions?

Call Northside Insurance Agency in Fort Worth Texas at (817) 626-3100 to discuss your auto insurance. We will be happy to provide a fast free quote for you to compare with your current coverage. It only takes a few minutes and may save you money.

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Auto Insurance Made Easy

The Texas Department of Insurance has published an article which gives basic information about auto insurance in Texas and issues involving Texas auto insurance.

The article discusses the minimum limits required for auto liability insurance, proof of financial responsibility requirements, and penalties for driving without insurance, It also outlines auto insurance coverages including liability coverage, collision (damage to your ) coverage, compressive (other than collision) coverage, medical payments coverage, personal injury protection coverage, uninsured motorist coverage, towing and labor coverage, rental reimbursement coverage, and other coverages.

It also gives some tips regarding shopping for insurance, issues regarding young drivers, factors that effect your insurance rate, driving out of state, and many other issues about auto insurance in Texas.

To see the entire article, follow this link, Texas Department of Insurance – Auto Insurance Made Easy

Since 2002 , Northside Insurance in Fort Worth Texas has been writing quality affordable auto insurance through multiple carriers. As an independent agent, we can look for the best rate for your auto insurance. Affordable monthly premium payments are available. If you have questions about auto insurance or would like a free quote with no obligation, call us at (817) 626-3100 or visit our website at Northside Insurance Agency.

Northside Insurance Agency writes insurance in Fort Worth, River Oaks, Saginaw, Watagua, Lake Worth, Sansom Park and the greater North Texas area.

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Safety Tips for your next Long Distance Trip

Eight Tips For The Road Ahead

Be Safe, Be Smart On A Long-Distance Road Trip

Whether you’re traveling alone, with a buddy or with your spouse and a car full of kids, there are few things more “American” than the long-distance road trip. Countless vacation travelers will drive the highways looking for fun and making memories with every mile. If traveling down the “holiday road” is in your plans, take the time to prepare for your trip. You’ll have a more enjoyable vacation if you plan carefully. Here are a few driving tips, courtesy of Northside Insurance Agency in Fort Worth, TX.

1) Maintain your car. Make sure your vehicle is up to date on its maintenance schedule, and be sure to check the battery and tires.

2) Plan your trip and know where you’re going. Call ahead for proper and safe directions to get you to your destination safely and have maps of the area on hand to help you navigate once you are off the main road. You’re more likely to make good decisions, even in dangerous situations, if you’re clearheaded and know where you’re going.

3) Be alert. Seems obvious, but driver inattention is surely the cause of a lot of accidents. If you stay focused behind the wheel and plan carefully, you will have a wonderful summer road trip.

4) Take precaution with a cell phone. Cell phones can be a lifesaver when you need immediate access to emergency services after an accident. Keep your phone within easy reach and get to know its features. However, use it prudently. Reports suggest that driving while talking on the phone increases accident rates.

5) Wear your seat belt. Whether or not it’s required by law in the state through which you’re driving, always wear your seat belt as a safety precaution.

6) Protect your car against theft. Help deter criminals from taking your car with steering wheel locks, switches that disable fuel or ignition systems, and electronic tracking devices.

7) If you’re in an accident. Taking immediate steps if you’ve been in an accident can protect your family and your car from further damage. Stop immediately and make sure your car is not blocking traffic. Turn off your car to keep it from overheating or catching fire. Warn oncoming cars using road flares or orange triangle reflectors. After you have protected yourself and your family, call your insurance company immediately.

8) Make sure your auto insurance is up to date. Before you even leave the driveway, you want to be sure you’re protected when you’re on the road and far from home. An independent insurance agent or broker can provide the personal service and advice you need to travel in confidence.

To learn more about what an independent insurance agency offers you, contact Northside Insurance Agency in Fort Worth, TX at (817) 626-3100.

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