Auto insurance rates in the Plano and surrounding communitites area, and how to find the best ones!
Lower cost auto insurance is on a lot of people's minds now that the economic downturn has finally hit Texas. You may be feeling the pinch and wondering what to do. One way to cut back on your expenses is to shop for lower cost auto insurance.
Tri-Star Insurance is an independent insurance agency that specializes in saving Texans money.
Are you worried that you simply can’t find the time to shop your auto policy?
We handle that part, too.
Because we are licensed with several different companies, we actually do the shopping for you to ensure that you are getting the best rate available based upon your auto insurance needs.
The Right Auto Insurance Coverage
At Tri-Star, we are committed not only to saving you money, but also to making sure you are properly covered.
If you live in the Plano/Ft. Worth/Dallas you will want to have adequate limits of protection along with uninsured and underinsured motorist coverage.
We suggest a minimum of $100,000 of bodily injury liability per person / up to $300,000 per occurrence / and $100,000 of property damage. Individuals with high profiles or substantial net worth should be fully covered at $500 / $500 / $100 in order to protect themselves legally in the event of an at-fault accident.
Personal Injury Protection or Medical Coverage for Plano/Ft Worth/Dallas Drivers?
Many drivers are unclear about the difference between Personal Injury Protection (PIP) and Medical Coverage on their auto insurance.
Medical Coverage takes care of basic medical needs for you and your passengers following an accident. This includes doctor, hospital and surgical bills up to the limit you select per person. The limits are typically $2,500, $5,000 or $10,000.
PIP is a broader coverage than medical. If you have PIP, you can expect to have your medical expenses covered following an accident, but you will also have coverage for lost income, household services replacement coverage and funeral bills up to the policy limit you select. PIP covers you, your family, your passengers and anyone that drives your car with your permission.
The Importance of Having Uninsured and Underinsured Motorist Coverage for Metro Drivers
If you are considering cutting the Uninsured/Underinsured Motorist coverage, you may want to think twice. The reason this coverage is so valuable is because it protects you and your vehicle when an uninsured or underinsured motorist strikes your auto or truck.
State officials estimate that nearly 20% of all Texas drivers (that’s 4,000,000 Texas drivers) are uninsured. That figure doesn’t include the thousands of underinsured drivers you’ll encounter on the roadways, too.
The amount ofcoverage you need depends on several factors:
- Age and type of vehicle you drive
- How many miles per week you are on the road
- Whether you drive most often in rural or urban areas
- Your age
Remember, Tri-Star Insurance professionals find you the very best rates while also maintaining proper insurance coverage.
If you want to know how much protection you need, contact our offices today! Help is just a phone call away.
TriStar Insurance Professionals, based in Plano, TX, is a full-service insurance agency owned and operated by Roger Harkins. Specializing in consumer insurance programs inluding homeowners, auto, boat, and life insurance they also specialize in commercial insurance offerings for small to medium sized businesses. Low cost is always important, but far more critical in both the personal and business coverage arenas is making sure that there are no gaps in your coverage. Find out today simply by calling Roger Harkins or John Coyle at 469-464-5790 . The call and any quotes you request are always confidential and free!
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