Auto Insurance in Deer Park or Pasadena?
Kicker Insures Me Agency will take care of you and provide superior customer service. We can assist you with your personal car insurance needs, which includes specialty car insurance for your antique and collector cars.
Whether you live in Deer Park, Pasadena, the surrounding areas in Harris or Galveston County, or any other part of Texas, we’ve got you covered. It isn’t just for when you get in an auto accident but there is so much more to your car insurance than filing a claim for an accident.
With Houston being the 4th largest city in the US, you can imagine just how many cars are on the road in Harris County. Not to mention the amount of construction to keep up with the growth and people flocking to Texas. With that, as well as the amount of distractions drivers have, the likelihood of an accident are greater here than in a rural area.
Therefore, you are basically at risk every time you buckle up and drive in your car.
Let’s understand a little more about your basic car insurance coverage options as well as the components of coverage that protects you and anyone who may be injured as a result of your negligence.
Having enough Car Insurance is imperative
If you have even been involved in a car accident, the insurance company determined that you are at-fault, and someone else got injured, it could really devastate your financial stability. Having enough coverage is essential to help protect that.
Many don’t realize that having great coverage doesn’t necessarily mean you pay more in insurance premiums.
Kicker Insures Me Agency in Deer Park, Texas is 100% independent, which means we can shop your current coverages with a variety of insurance providers to see who offers you the right coverage for you, at the best possible price.
What does it cost? It doesn’t cost you anything to use an independent agent like us. Insurance carriers compensate the insurance agents directly. We work for you and on your behalf to be sure your needs are properly covered. We discuss all of your options to be sure you don’t have any hidden gaps in your policy.
No two insurance policies are the same, because no family and their assets or situation are the same. Keep that in mind while you look at two policies side-by-side because they may look the same, but it’s usually the fine print that will get you. You don’t want to be caught off guard and not be insured where you need to be.
Having someone like Kicker Insures Me Agency, who truly understands policy contracts will help sort through the terms and conditions as well as limits and exclusions so you don’t have to. That’s our job so you can rest easy knowing that you have the best possible coverage at the best price.
Important Auto Insurance Coverages
When you review your policy, you may see certain coverages and wonder what they are, and why you have to have them on your policy.
Let’s look at a few of the more important ones for you:
Collision Coverage
This is the part of your policy that covers your car in the event you damage the car itself somehow, as a result of an accident with a fixed or moving object like another car, a curb, a house, a guard rail, etc..
Comprehensive Coverage
This piece also protects your car, but incase something else damages your vehicle as long as it is not a fixed, or moving object. For example, theft to your contents in your car or the vehicle itself, a rock that chips or cracks your windshield while you’re driving on the highway behind those man work trucks, an animal you might hit, and so on.
Property Damage
Should you damage someone else’s car in an accident, a guard rail, home, business, or some other property that belongs to someone else. This is the part of your policy that compensates the other person for that damage
Bodily Injury Liability
This part protects your financial interest should you injure another person in an accident. This is the component of your policy that pays the other party for their medical bills and related expenses. Due to the crazy high cost of medical insurance and care, it’s seriously a huge risk to carry liability limits that aren’t high enough. We can help you understand and decide on.
Un-insured & Under-insured Liability
This coverage pays you, in the event that you are injured by another party, and that other person was either unidentified, or they weren’t carrying a high enough limit of Bodily Injury Liability to cover your expenses. This is also a very important part of your car insurance policy because you have zero control over how much insurance other people are driving around with… or covered at all!
Common Auto Insurance Rating Variables
Age — insurance companies use your age in their overall rating algorithms. Drivers who are under 25, and over 65 typically don’t get preferred rates because statistics show that those two age demographics have the most loss frequency and are therefore more at risk for financial loss due to an auto accident
Credit — credit is a metric that has been used in insurance scoring for many years. The better your credit, the more favorable your rates will usually be
Car — the type of car, engine size, safety features, etc.. are all part of determining the rate
Driving History — your driving record and claims history plays a substantial role in the premium. If you have a spotty driving history, or multiple moving violations or accidents, chances are, you won’t get a preferred rate until those each are at least 3 years old
Household — insurance companies underwrite at the household level, meaning they try to judge based on the entire household, what the probability of loss will be. If there are multiple drivers in the house who are under the age of 25, that will impact everyone’s pricing in the household
How to get started with your car insurance quotes
If you live in Deer Park or the surrounding areas, or throughout Texas and are looking for car insurance, let Kicker Insures Me Agency work for you to find the best company and price.
We do all the leg work for you – I mean, not everyone loves leg day! lol
To get started, contact our office directly, call/text is at (281) 487-9686 or complete the form below with your information and what you need and we’ll get started on a quote for you to review and compare!