mobile-navigation Skip to content

HOW CAN WE HELP YOU?

Click to Call (Laredo) Click to Call (San Antonio)

201 W Del Mar Blvd, Suite 20
Laredo, TX 78041

Get Directions

7550 W Interstate 10 Suite 800-815
San Antonio, TX 78229

Get Directions

AlphaSure Affordable Insurance Svcs Blog

Category: Auto Insurance

Underrated Auto Insurance Facts

Posted on by admin

AlphaSure Affordable Insurance Services LLC serves the San Antonio, TX community and the surrounding areas. Providing excellent customer service is important to us. We offer our clients various types of coverage. We want to help you obtain coverage that is reliable during tough times.

Underrated Auto Insurance Facts

Auto insurance protects you as your travel around San Antonio, TX and beyond. You are covered if you are involved in a serious accident. Liability coverage protects you if you are held liable for the damages and potential injuries. Comprehensive coverage protects your vehicle in unique ways. Perhaps a severe storm is heading into the area. If a tree snaps and damages your car, comprehensive auto insurance will cover you. The policy also covers you if your vehicle is stolen or vandalized. While looking over your policy, don’t neglect these underrated facts.

We suggest that you amend your auto insurance policy over time. As variables in your life change, such as your age, marital status, and credit history, they may impact your auto insurance policy. Amending your auto insurance policy can help things run smoothly if your life changes in the future.

Emergency roadside assistance is recommended because you never know when an issue may occur. Perhaps you are driving, and your tire blows out. If you have emergency assistance, you will receive urgent towing service. Perhaps your engine is having mechanical issues. Emergency roadside assistance will prevent you from being stranded, which is a potentially serious situation. Inquire about uninsured motorist coverage, which covers you if you are a victim of a hit-and-run collision.

AlphaSure Affordable Insurance Services Will Help You Protect Your Assets

Contact us today to learn more information about auto insurance.

Car Insurance Laredo TX

Posted on by Fred Gonzalez
Car insurance Laredo TX

Considering Adding Uninsured Motorist Coverage to Your Car Insurance Laredo TX,

What is uninsured motorist coverage? Why do you need it? What are the benefits? How much does it cost? These are just some of the questions that customers ask when shopping for car insurance Laredo TX. Read on to learn more about uninsured motorist coverage and what it can do for you.

Uninsured/Underinsured Motorist Car Insurance Laredo TX

According to the Insurance Information Institute 12.6% of the drivers are uninsured. If you are shopping for car insurance Laredo Tx, here are a few things to note. Texas law requires drivers to maintain minimum liability limits of 30/60/25. The number 30 represents $30,000 bodily injury limit for each person. While the number 60 represents $60,000 bodily injury limit for each accident. The number 25 represents $25,000 property damage limit for each accident. Thus, if a driver causes a multicar collision on the highway resulting in serious injuries, these minimum limits will not be enough. Thus, the advent of uninsured motorist coverage in 1927. Uninsured/underinsured motorist coverage is abbreviated UM/UIM.

Uninsured Motorist May Cover You Even if You Were In Someone Else’s Vehicle

When added to your car insurance Laredo TX, UM coverage will cover you in even if you are riding in someone else’s vehicle. For example, a friend gives you are ride home from work and he is involved in a not at fault accident. Your friend does not have UM coverage on his policy. If the guilty driver is uninsured, then your personal car insurance policy contains UM coverage, it should cover your bodily injury. Be sure to discuss this topic with your agent.

Call a local agent who can help with your insurance needs

In San Antonio, TX
AlphaSure Affordable Insurance Svcs
16500 San Pedro Ave Suite 296
San Antonio, TX 78232
Office (210) 888-1750
Fax (210) 564-9097

In Laredo, TX
AlphaSure Affordable Insurance Svcs
201 W Del Mar Blvd Ste 20
Laredo, TX 78041
Office (956) 729-9500
Fax (956) 729-9550

Laredo, TX Auto Insurance Agency | AlphaSure Affordable Insurance Svcs (alpha-insure.com)

To view more statistics about uninsured motorist coverage see Facts + Statistics: Uninsured motorists | III

https://g.page/r/CXU1zyoRm7euEBAundefined

Long Haul Trucking Liability

Posted on by Fred Gonzalez
Long Haul Trucking Liability

Trucking Liability Required in Texas

In Texas, the type of truck or load will determine the trucking liability requirement. Check out this link to view the different trucking liability requirements. https://www.txdmv.gov/motor-carriers/txdmv-number On the other hand, a truck needs bobtail liability when the truck is not on dispatch nor carrying a load. For example, when you drive your truck to the shop for regular maintenance, the truck is not on dispatch.

Trucking Liability vs Bobtail Coverage

A trucker can have his trucking liability covered by another entity. For example, it is possible for a trucker to lease his truck to a trucking company. In return, the trucking company may include the leased truck under their own trucking liability policy. This is usually done on a contractual basis. It would be wise to confirm that you are in compliance with the Texas Department of Motor Vehicles and or the USDOT. Indeed, the fines for being out of compliance are costly. Moreover, the truck may be halted and the load will be delayed. Needless to say, a truck driver may lose future earnings if a company cannot depend on a swift shipment of goods.

Factors That Adversely Affect Trucking Liability Prices

Insurance companies use many rating variables when pricing insurance policies. Aside from the more obvious rating variables, there are some that you may not be aware of. For example, some insurance companies use out of service violations as a rating variable. Moreover, excessive downtime violations may make a risk ineligible for coverage. For this reason, I always recommend that truck drivers be especially vigilant about keeping a clean downtime violation record.

Ready for an Insurance Quote?

As with personal auto insurance quote, there are a few pieces of information in order to obtain an insurance quote.

Call a local agent who can help with your insurance needs

In San Antonio, TX
AlphaSure Affordable Insurance Svcs
16500 San Pedro Ave Suite 296
San Antonio, TX 78232
Office (210) 888-1750
Fax (210) 564-9097

In Laredo, TX
AlphaSure Affordable Insurance Svcs
201 W Del Mar Blvd Ste 20
Laredo, TX 78041
Office (956) 729-9500
Fax (956) 729-9550

Laredo, TX Commercial Insurance Agents | AlphaSure Affordable Insurance Svcs (alpha-insure.com)

AlphaSure Affordable Insurance Services is licensed in the State of Texas.

Renters and car insurance

Posted on by Fred Gonzalez
Car Insurance

Car insurance prices are typically lower in smaller cities compared to bigger one. As an example, car insurance San Antonio, TX is priced higher than car insurance Laredo, TX. Therefore, we need to look for discounts in every possible fasion. First off, insurance companies in part will base their rate on geography. Thus, a good insurance agent will try to maximize all discounts. An auto insurance quote in San Antonio, TX will be different from an auto insurance in Laredo, TX. Consequently, the rise in insurance cost is due to an increase in traffic on the roadways. Bigger cities have more traffic than compared to smaller cities.

What to do to lower your Car Insurance Rate

The good news is that there are ways to bring down the cost of car insurance in San Antonio, Tx. For example, you may qualify for a significant discount if you buy renters insurance with the company that insures your car insurance in Laredo, TX. Moreover, you will gain coverage for your personal belongings against perils like fire.

There’s another discount that may be overlooked. It is not exactly a discount but a rating factor. For example, your occupation influences the car insurance rate. As an example, teachers tend to obtain better rates than construction workers. This could be because, construction workers may visit jobsites. Along with added drive time there may be additional hazards. Moreover, safe driver or multicar discounts will help soften the cost of the car insurance San Antonio.

Lastly, but try to avoid any moving violations. Moving violations like speeding tickets greatly impact car insurance prices.

Call us today for more information. We have local insurance agents ready to help with your car insurance in Laredo, TX or your car insurance in San Antonio, TX.

Call us today for free insurance quote in San Antonio or Laredo

In San Antonio, TX
AlphaSure Affordable Insurance Svcs
16500 San Pedro Ave Suite 296
San Antonio, TX 78232
Office (210) 888-1750
Fax (210) 564-9097

In Laredo, TX
AlphaSure Affordable Insurance Svcs
201 W Del Mar Blvd Ste 20
Laredo, TX 78041
Office (956) 729-9500
Fax (956) 729-9550

Contact AlphaSure Affordable Insurance Svcs | 201 W Del Mar Blvd, Suite 20, Laredo, TX (alpha-insure.com)

Check out this other resource from Money Geek: Tips and Strategies to Reduce Your Car Insurance Costs | MoneyGeek.com