Tips for Choosing the Right Auto Insurance Frisco TX For You

Despite what most people think, insurance isn't always a simple decision of yes or no. There are many questions that come into play when deciding on any type of insurance, including auto insurance Frisco TX. Here are a few of the most common questions and what you can do to be sure you have the best auto insurance for you.

Types of Coverage

Liability:This is the most basic type of auto insurance. Most states require drivers to have insurance and liability is typically the cheapest because it provides the smallest amount of coverage. It's a good option if you are rarely involved in accidents. However, the requirement amount for coverage isn't much, and it may not be enough to pay for damages (to your car or theirs) if you are involved in an accident.

Collision Coverage: This type of insurance helps you pay for repairs if you're involved in an accident. It also pays to replace your car if it is totaled in a collision. If the accident is your fault, your insurance should pay for repairs for both cars.

Comprehensive Coverage: Comprehensive car insurance is the most enveloping one, and it covers collisions as well as other damage. If your car is damaged during a storm or stolen, this is the only type of insurance that will cover it.

Personal Injury Coverage: Some insurance plans cover personal injury costs, and others do not, so reading the fine print is vital. This coverage means if you or your passengers are injured in an accident, your medical bills are paid for.

Accident History

If you're prone to accidents, having comprehensive coverage is best. That way, you can be assured that any damages to your car (and the other guy's car) are paid for. If you generally have bad luck with car accidents, don't risk only paying for liability minimal insurance.

Even accidents that aren't your fault can tarnish your appearance on insurance reports. If you are the best driver in the world but you're prone to accidents caused by other people, you should still probably get comprehensive coverage on your vehicle. That way, when that distracted driver rear-ends you on the freeway (for the second time this year!), you can be protected.
Discounts

Auto insurance Frisco TX companies offer all sorts of discounts. It is a competitive market, which means insurance companies are coming up with lists of discounts, vying for your business. And while that is a disadvantage to them, it's a great thing for you. The more discounts you qualify for, the better deal you can get on your auto insurance.

Auto insurance companies often offer discounts based on the following:

Safe driving history
Age (most rates drop at age 25)
Gender (females are often cheaper)
Military service
Senior status
Student status
Early payments
Bulk payments (once a year rather than monthly)

Again, these are just a few categories in which people can find discounts on auto insurance. Fitting the criteria doesn't automatically guarantee a discount, however. For example, you may qualify for a senior discount based on your age, but if you have a long history of accidents, the discount may not apply. Rates and discounts vary from company to company and change frequently, so shop around! Or, better yet, hire an insurance expert to shop around for you.

With these tips, choosing the right auto insurance Frisco TX doesn't have to be a difficult process. The Anthony Blackmon Agency is your resource for all things auto insurance. Call us today to get started with your free quote at (469) 291-9006.

auto insurance frisco tx
Anthony Blackmon Insurance Agency
9191 Kyser Way, Suite 200
Frisco, Texas 75034
(469) 291-9006