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.