Do you need uninsured motorist coverage? Car insurance is something that every motorist needs. While there are a number of different coverages, some are truly optional. One of these confusing coverages is uninsured motorist insurance or UM. Some motorists may wonder if purchasing uninsured motorist coverage is necessary if they already have a[…]
If I Have Health Insurance, Do I Need Uninsured Motorist Coverage?
By TheSph3r3 Archive, Car Insurance Feb 20, 2020
Staying safe when driving in the dark. Ah, fall. The leaves are turning, the scent of pumpkin spice fills the air, and… the days get shorter. Autumn is the start of many exciting times, but commuting to and from work in the dark is not one of them. Not only does fall bring inclement weather,[…]
How much auto insurance do I need to purchase? Auto insurance blends several types of coverage into one policy to suit your needs. Typically, your policy will include some combination of liability, uninsured motorist, collision, other than collision, and medical coverage. Keep in mind that coverage helps you when you need help the most, so[…]
Do’s and Don’ts for Filing an Auto Insurance Claims
By TheSph3r3 Archive, Car Insurance Aug 29, 2019
Keep these car insurance do’s and don’ts when filing a claim. Even the most careful of drivers can experience an auto incident. You may have a spotless driving record and a great track history of avoiding accidents but, sometimes,life has other plans. Car insurance claims happen, and when they do your insurer will be there[…]
Three mistakes to make as a homeowner. Owning a home is part of the American dream. But it can also be a headache when unexpected issues pop up. Whether it’s a minor appliance breakdown or a major catastrophe, it’s almost certainly going to require time and money to repair. In many cases, these issues are[…]
Commonly Stolen Vehicles – and How to Protect Yours
By TheSph3r3 Archive, Car Insurance Jun 27, 2019
Ways to avoid getting your car stolen. Most of us don’t think about car prevention until it’s too late. But the fact is, learning how to prevent car theft is all the knowledge you need. Car thefts are not uncommon in the US, with one theft occurring every 44.6 seconds. Out of all the states,[…]
Why Your Auto Claims History is Important to Your Insurer
By TheSph3r3 Archive, Car Insurance Mar 28, 2019
Why auto insurance companies track your claims. Believe it or not, your claims history is one of the biggest factors behind your insurance premiums. Insurance companies track your claims history and will review your record when calculating your premium, so it pays to keep this in mind before you file that small claim. Car insurance[…]
How to buy car insurance for the first time. Are you in the market for your first auto insurance policy? Whether you are moving from your parent’s policy or purchasing your first ever coverage, we understand how daunting it can be. Buying the right policy requires basic knowledge of how car insurance works and[…]
Do I Get 30 Days Free Coverage on My Auto Insurance?
By TheSph3r3 Archive, Car Insurance Dec 20, 2018
Understanding your car insurance coverage. At Reata Insurance, we help many motorists secure auto insurance locally and state-wide. One frequent question we get asked is if auto insurance policy comes with 30 days of free coverage for newly acquired vehicles. Although your agent will be able to explain everything in greater detail, here’s what you should know to better understand your coverage for your[…]
Top Habits That Make Central Texas Roads More Dangerous
By TheSph3r3 Archive, Car Insurance Dec 13, 2018
Have you noticed any of these dangerous driving habits? In Central Texas, we pride ourselves on having safe roads. Drivers tend to be considerate, patient, and safe. Even so, accidents happen with dangerous driving habits. Despite our cars getting smarter and the fines of dangerous driving getting steeper, some drivers hold on to bad habits that make our roads more dangerous. Researchers[…]