Auto insurance Archives - Kicker Insures Me Agency

8 Key Auto Insurance Terms You Should Know

April 1, 2020 Kicker Insures Me Agency

Know what is in your automobile insurance coverage The average cost of auto insurance in the United States is $1,502 per year. In Texas, the average annual premium is $1,427.

The cost fluctuates from state to state and city to city. Local factors like traffic and crime rates can affect the final price.

Buying car insurance feels like learning a new language. Most people don’t know what coverage they have on their vehicles. They skip the learning curve and choose “basic” auto insurance to save time and money.

Basic car insurance is often defined as what your state forces you to buy. But, a state minimum may not be enough protection.

Drivers who understand auto insurance tend to pay less. Keep reading to learn 8 important auto insurance terms before you buy your next policy. [Read more…]

Why You Need an Annual Insurance Policy Review

December 15, 2019 Kicker Insures Me Agency

Consider reviewing your insurance policies annually with Kicker Insures Me Agency Fire related losses cost Americans a staggering $25.6 billion dollars last year alone. One property fire occurred every 52 seconds, and there was one home fire every 87 seconds!

In Houston, TX alone, 21,981 fire-related events were reported during the first six months of 2019.

If your home has a fire loss, will your current insurance policy cover it? More importantly, does your insurance cover your home if you have to rebuild it from the ground up?

If you are not sure how much coverage you have, a homeowners’ policy review is something you should consider. Reviewing your home insurance could protect you from huge losses arising from coverage gaps. [Read more…]

Drive Safely: Why Uninsured Motorist Coverage is a Must

September 15, 2019 Kicker Insures Me Agency

Consider getting uninsured motorist coverage for your car insurance in Pasadena 13% of all American motorists were uninsured as of 2015, even though it is a requirement in most states.

If you get hit by someone who does not have insurance, you could end up paying for expenses like medical bills, car damages, and car rental yourself. You may need to sue the driver. If, however, they don’t have insurance, the chances are high that they don’t have much in terms of assets either.

Some states, such as New York, North Carolina, and Vermont, require drivers to carry uninsured motorist coverage. This protects you against damages if you get hit by an uninsured driver. It also covers hit-and-run accidents.

Underinsured driver coverage is slightly different. It kicks in when the driver who hit you has liability coverage, but it is too low to cover your damages. This may happen in states that require low liability limits. [Read more…]

What to Do If You’re Involved in a Car Accident: The Most Important Steps

June 1, 2019 Kicker Insures Me Agency

What to do if you get in a car accident Car accidents are terrifying. When you get into a car accident your adrenaline is heightened and your mind begins to race all over the place. Even if it’s a simple fender bender, it’s hard to remember the details when you are shaken up. For these reasons and more, it’s a good idea to have a plan in the event you get in a car accident.

Putting together a car accident procedure guide before you’re in an accident is smart. This way, if you ever do find yourself in this scary situation, then you’ll know exactly what to do.

Keep reading to find out recommended actions to take after being involved in a car accident. [Read more…]

Why Commercial Auto Insurance Is Necessary If You Own a Business

May 15, 2019 Kicker Insures Me Agency

Car insurance for your business - commercial auto policies The commercial auto insurance industry generates $34 billion in revenue each year. This is not surprising as business owners are more aware than ever of potential liabilities their businesses are exposed to.

A commercial auto policy protects a business that uses vehicles to get the job done. Are you aware of the consequences that you face for not having commercial auto insurance?

Keep reading for a complete guide as to why you need commercial insurance and what sort of coverage you should consider. [Read more…]

How Much Car Insurance Do I Need? Why You Should Cover Above State Minimums

May 1, 2019 Kicker Insures Me Agency

Understanding car insurance, minimums and what to get Have you ever wondered to yourself, How much car insurance do I need? If you have, you’ve come to the right place.

First thing’s first, you should make sure that you’re covered up to the state’s minimum coverage requirements – every state has one, so make sure to check that out.

But what about beyond that? Do you need more than the minimum required car insurance? Is it really worth the extra money?

Read on so that we can help you decide. [Read more…]

It’s Worth It: Understanding the Cost of Umbrella Insurance and It’s Benefits

March 1, 2019 Kicker Insures Me Agency

Umbrella insurance and the cost versus value correlation. Umbrella insurance has nothing to do with insuring umbrellas.

Insurance can be a complicated matter and it’s important to talk to your agent to make sure your assets are fully protected. There’s a good chance your agent will recommend that you purchase an umbrella policy.

Keep reading for more information about the purpose and cost of umbrella insurance to help you decide if this type of coverage is right for you. [Read more…]

Time to Reassess? Why You Need to Have an Annual Insurance Review

February 15, 2019 Kicker Insures Me Agency

Be sure to review your insurance policies to be sure you are covered Do you know if your home insurance would completely cover you if something were to happen to your car or home?

In many cases, people are underinsured. In the U.S., about 59% of homeowners are underinsured. That means that if a disaster were to strike, they likely don’t have enough coverage to rebuild their homes.

That can leave a massive financial hole that’s unexpected. That’s one of the reasons why an annual insurance review is so important. Read on find out why you should always have a regular insurance review and how you can get the most out of it. [Read more…]

Liability Coverage: What Is it and Why Do I Need It?

February 1, 2019 Kicker Insures Me Agency

Understanding liability coverage and why you need it Imagine you’re driving your kids to school when a car stops suddenly in front of you. You slam on the brakes, but your car plunges into the back of it. Now your neck is hurt, your kids have aches and the other driver’s rear end is smashed.

Next thing you know, you’ve got medical bills, car repair costs and the other person is talking about suing. You have no idea how you’ll pay for an attorney, let alone everything else. You could be financially responsible for thousands in costs with no clue about what to do.

This is why you have car insurance to help with car accidents and where where auto liability coverage comes in. [Read more…]

Do I Have to Buy the Insurance When I Rent a Car?

January 15, 2019 Kicker Insures Me Agency

Does my car insurance cover my rental car needs? The last thing you want when you’re preparing to go on vacation is additional fees or costs you hadn’t anticipated. But, that’s often times what happens when you arrive at the rental car counter. You know it’s coming, if you have ever rented a car, they want you to buy insurance. Like most folks, you find yourself wondering if it’s really necessary to buy the rental car company insurance coverage.

As a car owner, most likely your current auto insurance policy covers you as a driver on the road, but what about the rental car itself? This is where things start to get blurry and become a little more complicated. [Read more…]