Does Auto Insurance Cover Items in the Car?

Auto insurance covers a wide range of things aside from only medical bills and the cost to repair your car. It also covers a range of items within your car, both specific and named, and those items that you may have in your car when you are driving around. For those that live in the Dripping Springs, TX area, the agents with Ty Lawrence Insurance Agency can help you find the policy that protects your car and the things you drive around with.

For the most part, your auto policy is going to lean heavy on the side of insuring things like the car itself and covering the medical bills of those involved in an accident. It does, however, cover some other things too that you may not even realize. If you have car seats inside your car, for instance, your auto policy will help with the cost of replacing those car seats so that any children riding with you have new, accident-free seats. Your auto policy may also cover things like purses and expensive items you are carrying in your car at the time of an accident.

Say for instance you have just been to an expensive shop and you have the items you purchased in the car with you. The car catches on fire and everything is destroyed, your auto policy will help with the cost of replacing some of those items. It is important to note that auto policies have a certain cap of sorts on the price of contents unless you can prove that there was something in the car that was destroyed. This means you cannot simply claim you had a $200,000 watch in the car that was destroyed without some sort of proof.

For those in the Dripping Springs, TX area, the agents with Ty Lawrence Insurance Agency can help you find the policy that fits all your needs.

Are You Ready for Your Road Trip This Summer?

Going anywhere the road takes you is just one benefit of having an RV. So many places including beaches, resorts, and camp grounds have an area for RVs to the park. It’s much more cost friendly than renting a hotel for a few nights. However, it’s important you know how to prep for your upcoming road trip, which includes getting the necessary RV insurance from Ty Lawrence Insurance Agency, serving Dripping Springs, TX and the surrounding area. 

Call Around for Locations of RV Hookups

Before you just decide you want to go to a specific place, you should conduct a search for locations in the area with RV hookups. You’ll want to know about what the site offers to make sure it includes everything you’ll need to stay there. 

Prepare Your RV 

You don’t want to break down while you’re on the road. Therefore, you should inspect your vehicle thoroughly before going on a trip. Make sure you change the oil, so you don’t experience your RV overheating while you’re trying to enjoy your vacation. You also want to take a look at your tires. You want to make sure they have enough tread on them, so you’re not at risk for them popping on the highway. Additionally, it’s important to check the air on all the tires.

Packing the RV

You obviously want to pack all the clothes you need for the trip and even some extra. Just in case you would break down, you may want to bring along extra money or a credit card to ensure you can get home safely. 

You need to have insurance on your vehicle just like you would if you were driving a car or truck. Call Ty Lawrence Insurance Agency, serving Dripping Springs, TX and the surrounding area today for a quote.

 

 

Getting Auto Insurance for Your Teenager

Adding a teenager to your auto insurance policy in Dripping Springs, TX can cause auto insurance rates to rise, but you can control these increases with some tips. You have to insure your teen driver and you need to let your agent at Ty Lawrence Insurance Agency know when your teen gets his or her learner’s permit, but they typically aren’t added until they are licensed. The reasons why teens are so expensive to insure is they are typically the most dangerous drivers on the road.

Have Your Teen Drive a Cheaper Car: If your household has multiple cars, then having your teen assigned to the cheapest to insure will help you save money. Vehicles with lower insurance losses will usually have lower insurance rates and provide more protection for your teen. You can use the IIHS website to determine the best cars for teen drivers.

Encourage Good Grades: Many insurance companies will offer good student discounts, so encourage your teen to have at least a B average if they want to be able to drive.

Look for Other Discounts: Other insurance companies will offer discounts if your teen will complete a driver’s education course and you may be able to save money by bundling other insurance policies, such as home and life insurance. You may also get a discount if you install a monitoring device in the car that can alert you if the teen is doing something they aren’t supposed to be doing, like speeding or not using their seat belt.

If your teenager is going to be heading off to college more than 100 miles from home and won’t have a car, you can get a break on insurance because he or she isn’t going to be regularly operating the car, but they are still able to drive when home on breaks.

Contact Ty Lawrence Insurance Agency, serving Dripping Springs, TX, to get a quote on auto insurance. 

 

Things You Should Do Before Filing an Auto Insurance Claim

If you get into an auto accident in Austin, TX and need to file a claim, there are a few things you should know before filing.

First, locate your insurance policy and review it. Many times, you have gotten auto insurance and have forgotten about it, so you need to review it. Figure out how much your deductible is. You also need to figure out how long you have to file a claim.

Then estimate the amount of damage and decide if filing a claim is worth it. Your damage estimate should be free and you may be required to get multiple estimates by your insurance company. By having an estimate, you can determine if filing a claim is in your best interest. If the repair costs are going to be within your deductible, then you shouldn’t have to file a claim.

If someone was injured in the auto accident in Austin, TX, you need to file a claim no matter how much the damage is and if you can afford it without insurance. No matter how minor the injury may be, the injured can still come back and sue you later within the time limits. If you didn’t report the claim, then the insurance company can refuse to defend you and deny any payment. It can be expensive to defend yourself in court, so you don’t want to make this mistake.

When you are ready to file the claim, you need to call your insurance agent at Ty Lawrence Insurance Agency and have the details of the accident. Make sure you write the date damage occurred and have your policy number available. These two items will be needed at the time of filing a claim, so keep it handy.

Contact Ty Lawrence Insurance Agency to get a quote on auto insurance.

 

Why You Should Increase Your Auto Insurance Deductible

Increasing your auto insurance deductible in Austin, TX may not seem like the smartest idea on the surface but it can have a big benefit that you can enjoy every month. According to Ty Lawrence Insurance Agency, you can save a significant amount on your monthly premium payment by simply increasing your deductible. This can make a big difference to your monthly budget every month.

How Much Can You Save?

Everyone wants to save money where they can but knowing how much you can save can make all the difference in making a change like this. Your deductible is something that you pay out of pocket if you have a claim. This is the amount you will pay before the insurance company will pay anything towards your claim. You may not ever have to pay a deductible and if this turns out to be true, then you are paying more for no reason. If you increase your deductible from $250 to $500, then you can save up to 7 percent. You can save up to 9 percent by increasing your deductible from $500 to $1,000. If you increase it from $500 to $2,000, you can save up to 16 percent. If paying this deductible is something that scares you, you can always put those monthly savings somewhere where you can use them if you ever need to. Once you have this saved away, you will likely end up saving more for your budget than if you were to continue paying more each month for a lower deductible.

This can make a huge difference for your family and if you would like to see how much you can save, Ty Lawrence Insurance Agency, serving Austin, TX, can help by running you some quotes with different deductibles. Contact them today to find out more. 

Spring Break is a Great Time for a Road Trip

Spring break is a great time to take a road trip with the family. By preparing for your trip in advance, you’ll have a more enjoyable, stress-free venture. Make sure your car insurance coverage is up to date by reviewing your policy with Ty Lawrence Insurance Agency in Austin, TX before traveling. Other road trip preparations include:

Car Maintenance

Before hitting the road, have your vehicle thoroughly inspected to reduce the risk of mechanical problems on your travels. Make sure your mechanic checks your tires, brakes, fluids, engine, steering and anything else that can pose a risk to safety while driving.

Entertainment

No family road trip is complete without entertainment for the kids. Be sure to pack books, flash cards, portable travel games, portable electronics, coloring pencils and a few DVDs if you have the facilities to play them. Include healthy snacks that kids can munch on the way as well as a cooler for cold drinks and water.

Clean Up Materials

Riding in a dirty car gets old pretty quickly. For easy cleanup, be sure to pack plenty of paper towels, cleaning wipes and trash bags. You can clean periodically during bathroom breaks or when stopping for picnics at a lake or park.

Emergency Kit

A road-side emergency kit is a must for any long distance traveling. Your kit should include such essentials as flashlight with extra batteries, jumper cables, flares, basic tool kit, motor oil, coolant, tire sealant and blankets. You should also carry a fully stocked first aid kit in your vehicle in case of accidents. An updated GPS system as well as cell phone with extra charger will also come in handy.

The right equipment and adequate car insurance protection from Ty Lawrence Insurance Agency, Austin, TX, will make your family road trip a more enjoyable, stress-free experience. 

What Happens If I Am In An Accident and I Have No Insurance?

It is a federal and state wide requirement that all drivers have at the very least a liability auto insurance policy in place. So what happens when drivers are in an accident and do not have a policy? The repercussions are more severe than you might imagine. If you live in the Austin, TX area do not go uninsured, the agents with Ty Lawrence Insurance Agency can help you find the perfect policy.

The first course of action that is going to occur if you are in a reported accident and you do not have insurance is likely a fine or a ticket that is going to be issued by the responding officer. It is their legal duty to report uninsured drivers, and if you are in an accident with no coverage, you are liable.

The next step is often legal action against the person that does not have insurance. The other driver might choose to sue you for medical costs, deductibles for their policies, or even pain and suffering dependent on how bad the accident is. This is done to help cover the costs that they incur as a result of the accident.

It is important that if you are considering driving with no insurance, you understand that the other driver can sue you for your wages, your property, and large cash settlements that can essentially ruin a person financially. There is no excuse for not having some insurance policy as it is a law and there are now more coverages than you might have ever imagined.

For those that live in or around the Austin, TX area, the agents with Ty Lawrence Insurance Agency can help you find the policy that is going to fit your needs and your budget.  

3 Reasons to Purchase an Auto Insurance Policy Today

Purchasing auto insurance can be a pain. However, it is also vital. For residents of Austin, TX, purchasing a quality auto insurance policy should be of the utmost importance. The following is an overview of three reasons why you should purchase an auto insurance policy today.

It’s the Law

Firstly, no matter where you live in the United States, you are likely expected to maintain auto insurance on your vehicle. For Austin, TX residents, rather than waiting until you are forced to purchase it by the powers that be, buying an auto insurance policy today can save you’re from penalties such as fees and even jail time. 

Protection Against Lawsuits

Moreover, if you are involved in an accident without coverage, you could be on the hook for many thousands, or in extreme cases, millions of dollars. By purchasing your auto insurance policy now, you could be saving yourself some serious cash later. 

Peace of Mind 

Lastly, purchasing a high-quality auto insurance policy gives you peace of mind while on the road. Although accidents happen and are sometimes unavoidable, by maintaining a high-quality auto insurance policy at all times, you are ensuring that you, your passengers, and your vehicle are covered under even the most dismal of circumstances. 

Overall, purchasing a high-quality auto insurance policy is highly important. Let Ty Lawrence Insurance Agency assist you. Simply call, stop by, or email us today to find out how you can begin your policy at once and save. Don’t get caught without quality auto insurance coverage. Call Ty Lawrence Insurance Agency today and take back your most precious possession, your peace of mind! 

Why a Spring Tuneup is Worth Big Savings

When it comes to cars in Austin, TX, the old saying that "an ounce of prevention is worth a pound of cure" is absolutely appropriate. The typical cost of a vehicle checkup, oil & filter change, and annual tune-up is literally pennies versus what it would cost to pay for a transmission repair or a blown head gasket. However, simple, tune-up work is avoided repeatedly because many car owners think it’s just a scam to get money for service that doesn’t do anything. That assumption is definitely incorrect.

The point of an annual, Spring tune-up is to professionally check the car or pickup truck for any starting problems, to replace consumable parts with new ones, and to keep the car running at optimum performance. Replacing the consumable materials is important as they get dirty or useless over time by design. Engine lubricants take a beating so that engine parts do not. Filters capture dirt so that grit doesn’t get in between engine parts and cause damage. These items can be ignored but after a couple thousand miles, the effects becomes noticeable.

Cost-wise, as mentioned before, maintenance is cheap compared to serious repair from what the Ty Lawrence Insurance Agency has seen. Additionally, good maintenance helps keep a car in good shape, and that helps avoid accidents due to mechanical failure or temporary glitches. From tires to brakes to engine power, all matter critically when a driver needs to avoid a problem in a few seconds. A spring tune-up specifically goes after these issues to make sure a car has everything in working order, not just what can be seen from the outside.

For drivers in the Austin, TX area who aren’t sure what to look for or where to go for a proper tune-up service, the Ty Lawrence Insurance Agency can help with qualified information. As a car insurance provider their agents are well-informed on how to keep cars maintained properly. Call to find out more.

 

Does Working as a Pizza Delivery Person Affect Your Auto Insurance Rates?

If you are working as a delivery person, you may not realize that regular auto insurance does not cover you while you are on the job. Here is some information you should know about auto insurance if you are looking into working as a pizza delivery driver, or as a driver for any other type of food delivery service.

The Working For Hire Exclusion

The majority of personal auto insurance policies have an exclusion in them if you are using the car for commercial purposes. This includes working for hire, such as using your car to deliver newspapers, pizzas or for a ride sharing service. If you are in an accident while engaging in one of these services, your policy may exclude the accident because you were engaged in activity that is not covered.

Commercial Driving Insurance

If you are working as a pizza delivery man, or engaging in any other type of business that requires you to drive your vehicle, you will need to get a commercial driving insurance policy for when you use your car for work and a personal insurance auto policy for when you are using your vehicle for personal use. This helps to ensure you are covered at all times when you are driving your vehicle.

Anytime you drive for work, including as a pizza delivery person, your auto insurance needs may change. Give Ty Lawrence Insurance Agency, serving the Austin, TX area, a call if you drive for work. We can ensure your auto insurance policy covers you while you are driving for work and offers the protection you need. Swing by our office or call us to obtain more information or to start pricing out a policy.