Category: Auto Insurance

Getting auto insurance is difficult as it is, but if you are a ride-share or food delivery driver in the Houston, TX area, you should know that your requirements will be different from the typical motorist. As a driver that transports passengers or other people’s goods for a living, you will need to have specialized insurance policies on your car to protect you, your cargo, and your riders. AAIGOT Insurance Agency Inc. can help you understand your options.

Auto Insurance for Ride-Sharing and Delivery Drivers

Ride-sharing platforms do provide drivers and their vehicles with an additional level of insurance coverage. Unfortunately, however, these policies do tend to have gaps in them that are your responsibility to address.

As a matter of fact, while Houston, TX drivers must legally maintain liability insurance protection if they decide to work as ride-sharing contractors, this personal insurance will not cover customers’ items that may get damaged in an accident or the injuries of ride-share clients. That is because their vehicles are being used for commercial purposes.

Another idea is to specifically look for insurance carriers that offer special packages and policies for ride-share and delivery drivers. Such policies are likely to offer collision and comprehensive coverage that will protect your vehicle if you were to get into an accident. Property damage and bodily injury liability will also be automatically covered under such an umbrella policy.

Traffic congestion is, of course, a huge issue in the area, so having the proper amount of insurance is critical for ride-share and delivery drivers. This is especially true for those who may speed in order to make timely deliveries of hot meals and frozen items, like ice cream and ground beef.

Have Questions? Consult With Us

If you are unsure of what type of policy you will need in order to continue your side hustles, we have you covered. Give us a call at AAIGOT Insurance Agency Inc., or stop by to learn more about the policies that we can offer you.

Texas is one of the biggest states in the nation, and therefore it has thousands of drivers on the road. This implies that it’s imperative to have the appropriate protection while driving. At AAIGOT Insurance Agency Inc., we offer various auto insurance policies and customize them to our customers’ needs. If you are searching for auto insurance in the Lone Star State right now, here is some essential information you should know: 

What Should You Know About Auto Insurance in Texas?

• Car insurance is mandatory in Texas. Drivers in Texas are required by law to provide proof of auto insurance for any road accidents they cause.
• Different types of coverages. The most common coverages that you should consider include liability coverage, collision coverage, comprehensive coverage, personal injury protection, uninsured/underinsured motorist coverage, and more. 
• Possible discounts. For safe driving, completing defensive driving classes, bundling policies, and having specific safety equipment in your car, many insurance companies offer special discounts. You can ask your insurance agent about them when shopping for insurance. 
• Factors affecting the cost of insurance. The cost of auto insurance in Texas can vary significantly depending on a number of variables, including your credit score, region, age, gender, driving history, and some others. 

Reach Out To Us

Are you a resident of Houston, TX? Or do you live in any nearby area? Are you currently shopping for auto insurance to protect your vehicle and yourself on the road? Contact us at AAIGOT Insurance Agency Inc. in Houston, TX and we will help you find a perfect insurance policy based on your individual needs. 

Houston, TX is a very large area that continues to grow each year. Because of this, those that live in this part of Texas will need to have a car to get around. When you are looking to buy a car here, you also need to carefully assess your insurance needs.

There are various benefits that come when you are properly insured with an auto plan in the Houston metroplex:

Protect Vehicle

A reason that you will want an auto insurance plan in this part of Texas is so you can protect your vehicle. If you are looking to buy a car, you will be entering into a large investment. The best way that you can cover this investment and protect it is by getting insurance. With a proper insurance plan, you will have all of the support needed to replace or repair your car. 

Offset Liability Risks

It is also a good idea to get auto coverage to offset your liability risks. There are many risks that come when driving a car. One risk is that you will make a mistake that caused an accident. When this happens, you will need to cover the damages. If you are insured, you will get liability support that will cover these costs to reduce your personal expense. 

We Can Help

If you are going to own a vehicle in the Houston, TX area, you need to make sure that you have the right insurance coverage. When you are looking for a new plan here, it would be a good idea to call the professionals from AAIGOT Insurance Agency Inc. There are a lot of advantages that come with this coverage, and our team with AAIGOT Insurance Agency Inc will help you select an ideal policy for your situation. 

Winter weather can be rough on your car, but with a few simple steps, you can make sure your vehicle will last through the cold season here in the Houston, TX area. Here are some tips from us at AAIGOT Insurance Agency Inc to help prepare your car for winter weather.

How to prepare your car for winter:

1. Clean and service the exterior of your car:

Snow and ice can be damaging to the paint, so you’ll want to make sure it’s in top condition before winter arrives. Give it a good wash and wax job, and inspect for any signs of damage from hail or other hazards. 

2. Check tire pressure and tread depth:

As temperatures drop, tires can lose air pressure quickly. Make sure to check the pressure regularly throughout winter, as well as look for signs of wear and tear that may require replacing soon. 

3. Top off fluids:

You should always keep an eye on the oil level in your car, but it’s especially important during colder months. Make sure that all fluid levels are topped up, including antifreeze, brake fluid, power steering fluid, and transmission fluid. 

4. Change wiper blades:

Visibility is key to staying safe on the roads in winter so old or damaged wipers do not give you a clear view of what lies ahead on the road surface! Replace them now before they start smearing snow and ice across the windshield instead of clearing it away. 

Give Us A Call

With these simple steps, you’ll have peace of mind knowing that your car is ready for whatever winter throws at it! For more tips, or to discuss your auto insurance and find one that is right for you, call us at AAIGOT Insurance Agency Inc today. We proudly serve the Houston, TX area.

According to the Association For Safe International Road Travel, over 45,000 traffic accident fatalities occur annually in the United States. We at AAIGOT Insurance Agency Inc know this number could be much lower if more people drove safely. While many people around Houston, TX take driving for granted, it is a skill that needs to be continuously practiced to avoid accidents.

Below are some essential factors you need to know:

The Dangers Of Distracted Driving

Distracted driving is a significant issue on today’s roads. Anything that takes your attention away from driving can be a distraction and increase the chance of a motor vehicle crash.

According to 2020 NHTSA statistics, a significant percentage of accidents occur when drivers are distracted. This is why it is so important to avoid all distractions while driving. If you need to complete a task, pull over and stop moving. Store or silence your cell phone, and ask passengers for help if necessary. By being aware of the dangers of distracted driving and avoiding it, you can help make the roads safer for everyone.

The Importance Of Wearing A Seatbelt

Seat belts are one of the most critical safety features in a vehicle. Wearing a seat belt can significantly reduce the risk of death or severe injury in a car crash. Seat belts keep occupants securely in their seats during a collision, preventing them from being ejected from the vehicle. Airbags are also crucial for occupant safety, but they cannot work alone. Seat belts and airbags work together to provide the best possible protection in a crash.

The Risks Of Speeding

The risks of speeding are well-documented and can have serious consequences. Speeding increases the chance and severity of accidents and can lead to costly speeding tickets and increased insurance rates. In addition, speeding can cause wear and tear on your vehicle and increase fuel costs.

Get Auto Insurance Today

AAIGOT Insurance Agency Inc in Houston, TX offers auto insurance. We have a wide range of options, and our experienced staff is always on hand to help you find the right policy for your needs. Contact us today to get started.

In Texas as in other states, it is required that all vehicle owners have auto insurance on their vehicles. The state has minimum insurance requirements for various types of coverage that all must be included in your policy. The minimums that are required are relatively in line with those of other states, but it’s a good idea to get more than the minimum amounts of coverage so that you are protected against serious accidents.

When you need auto insurance in the state, call us at AAIGOT Insurance Agency Inc in Houston, TX.

Liability Coverage in Texas

When you drive in Texas, you are required to have two amounts for bodily injury liability and one amount for property damage liability. The bodily injury amounts include one amount for a single injured party in an accident where you are at fault. The other amount is for all of the parties who are injured in the accident. There is also an amount required for property damage, which covers the other party’s damage sustained in the accident. This may be damage to the vehicle or damage to landscaping or to a structure. 

Other Auto Coverage

In Texas, personal injury protection, often called PIP, is also required. This is a small required amount of coverage that is there to pay for your own injuries after an accident. However, you can waive this coverage in writing if you don’t want to keep it. It is not recommended that you do this, as it is important coverage to have after an accident if you are injured. You may also want to get collision coverage. While this is not required, it pays for the damage to your own vehicle.

Get Auto Coverage

When you need auto insurance, call us today at AAIGOT Insurance Agency Inc in Houston, TX.

A cracked windshield is a common problem that many drivers run into at one point or another. Regardless of whether your cracked windshield is a result of an accident or just old glass, for many, it must be repaired in order to pass a state inspection and to see clearly. However, if the crack isn’t severe, your car may pass a state inspection. However, when it comes to repairing a windshield, many drivers may wonder if a cracked windshield is covered by their auto insurance.  

Will Your Auto Insurance Cover a Cracked Windshield?

It depends.  If you only have liability insurance, your cracked windshield won’t be covered. Liability insurance is designed to pay for repairs and damage/injury to someone else’s property, person, or vehicle. However, our team at AAIGOT Insurance Agency Inc can help Houston, TX drivers get coverage that will pay for a cracked windshield. Of course, you’ll have to purchase more than just liability insurance to have coverage for your cracked windshield. Auto liability insurance isn’t designed to pay for your cracked windshield. You will have to invest in more than auto liability insurance to obtain coverage for a cracked windshield. 

Comprehensive Insurance

Liability insurance won’t cover your cracked windshield but comprehensive coverage will. Comprehensive auto insurance is designed to cover damage that isn’t the result of a collision. For example, comprehensive insurance covers hail damage, vandalism, theft, and even damage caused by the impact of hitting an animal. This type of insurance would even provide coverage for damage to your windshield. A cracked windshield could be covered by comprehensive auto insurance.

Contact Us Today

If you’re a Houston, TX driver that has more questions regarding comprehensive coverage, give us a call at AAIGOT Insurance Agency, Inc. We can answer all of your questions. 
 

When you drive a car, it is your responsibility to make sure that you can pay for any damage to other people and their vehicles in the event you cause an accident. Texas does not require that you carry insurance. However, you are still responsible for any damage you cause. You must show proof you can pay for the damages. Having auto insurance makes it easier to prove that you can indeed pay. At AAIGOT Insurance Agency Inc in Houston, TX, we will make sure you get the auto insurance that is right for you. 

Roadside assistance

What could be worse than having your car stop working and being forced to sit alongside the road? If you have roadside assistance coverage, you will be able to call and have your car taken to a service station or if it is something simple like a flat tire or a dead battery, you can be back on the road once assistance has arrived to help. This will also help when you have an accident to get your vehicle to the body shop. 

Gap Coverage

When you drive your new car off the lot, it immediately loses value. If you have an accident within a short time after purchasing your vehicle, the value that the insurance company gives for the vehicle may not match what you owe to your auto lender. You would end up with no car and still owing money if you didn’t have gap coverage. 

Glass Coverage

If you don’t have comprehensive coverage on your vehicle, you can still opt for glass coverage. This will pay to repair or replace your windshield if it is damaged. It is inexpensive and worthwhile coverage. 

Contact AAIGOT Insurance Agency Inc in Houston, TX to discuss your auto insurance with one of our experienced team members.

With almost 18 million drivers. Texas is only surpassed by California when it comes to the total number of drivers. There are a lot of people on the roads, even with all the wide-open spaces Texas is famous for. At AAIGOT Insurance Agency Inc in Houston, TX, our hallmark is providing top-notch service, quality products, and affordable prices. We have been servicing the Houston area since 1985. 

The truth is, in Texas, you are not required to have auto insurance by the state. What you are required to do is to show that you could pay for any damage you caused in an accident. Most people choose to prove they can pay for the damage by getting auto insurance, but you don’t have to do it that way. 

If you do opt to have auto insurance, it must be 30/60/25. That is $25,000 for property damage, $30,000 for the first person who gets injured, and $60,000 for all injuries in any one accident. 

If you are leasing a vehicle or have an auto loan, you are going to need more than just liability insurance. You are going to have to protect the vehicle as well. This means having collision and comprehensive coverage.   

Collision

Collision insurance pays to have your vehicle repaired or for the payout amount if it is a total loss. It covers accidents where you are at fault, where you are the only driver, or where you are a victim of a hit and run. 

Comprehensive

Comprehensive coverage is a little more complicated. It covers you for theft and vandalism of your vehicle. It also covers a variety of things that you can’t control. It protects you from weather events like hail or strong winds, large animals in the road, and things like potholes. 

Contact AAIGOT Insurance Agency Inc in Houston, TX for quality products and great service. 

Every driver in Texas needs to have a car insurance policy. They are also required to always have proof of their coverage when they are driving a vehicle. If you need auto insurance in Texas, give us a call at AAIGOT Insurance Agency Inc in Houston, TX to find out more. 

Bodily Injury Liability

In this state, you must have coverage that allows for two different amounts of bodily injury liability. This includes one amount that is for one person injured in an accident that you are at fault for. The second number is the amount that covers everyone who became injured. These two amounts are average amounts nationally. They may cover smaller medical bills, but in the event of a serious accident with a lot of injuries, chances are that this coverage would not be enough. It’s recommended to raise this amount so that you are covered even if there are many injuries. 

Property Damage Liability

The other required type of coverage is for the property damage that you cause to another vehicle. There is a property damage liability amount that is required for auto coverage in the state. This amount is about average for state liability coverage laws. Many people do raise this amount, however, to make sure that they have enough coverage.

Other Coverage 

With the liability-only requirements of the state, you would have no coverage for your own property damage or your own injuries. Many people add extra coverage to their policy such as collision coverage and comprehensive coverage. These can help you in cases where you are at fault and have your own property damage that needs to be paid for. 

Get Your Auto Coverage

To find out more about auto policies and what they cover, call us today at AAIGOT Insurance Agency Inc in Houston, TX.