Insurance

Moving Beyond Liability Coverage, Why You May Need More Auto Coverage in Austin, TX

Posted on by agentinsure

In Texas, as in most states, drivers are required to pay for accidents they cause.  Drivers must demonstrate financial responsibility.  The basic coverage is defined as 30/60/25.  This means that every driver needs a minimum of $30,000 if someone is injured.  Additionally, drivers must cover for $60,000 for an accident and $25,000 for property damage.   Often, people purchase minimum liability insurance.  While this provides protection for an accident and covers any medical costs if someone else is injured, it does not provide for the medical expenses of the policy holder if they are injured. 

Following an accident, your will have to repair your car.  Also, if you are injured, you will have medical expenses.  Further, if the policy does not provide sufficient funds to cover the medical expenses, they can sue the driver for the additional money.  These are things that may not be covered by a minimum liability insurance policy in Austin, TX. 

A more comprehensive insurance policy from Southwest Insurance Center, serving the Austin TX area, can provide drivers with better coverage.  Policies that provide coverage for uninsured/underinsured motorists, personal injury, comprehensive and collision can give you peace of mind.  If the automobile is financed, many lenders will require drivers to maintain either comprehensive or collision coverage to protect their investment.  If there is an accident, the driver will be able to repair or replace the car.  If destroyed, collision coverage policies provide for the value of the car less depreciation.  A comprehensive policy is broader in that it will pay for the repair or replacement in more situations such as theft or damage. 

The team at Southwest Insurance Center is ready to help you get the coverage you need.  Compare quotes online then visit with a knowledgeable agent today!

What are the best ways to give back after the holidays?

Posted on by agentinsure

Whether you live in Buda, TX or anywhere else in the country, sharing the love and joy during the holiday season is a beautiful thing. It is also an important time to look back over the year and appreciate everything you have, as there are many others who are not as fortunate. During the holiday season you can help out at soup kitchens, clothing drives and donation centers often are overflowing with locals wanting to do their part and give back to the community. At Southwest Insurance Center, we do the same. There are some fantastic ways for you to still give back after the holidays. 

Some Extra Cans of Groceries

When you go to the grocery store, pick up an extra can of vegetables, beans, tuna fish or really anything else that has a very long shelf life or is not perishable. After a month or so, you’ll have several bags full of canned food you spent under $1 at a time. Take it to your local food pantry or soup kitchen. These locations often struggle to stay full after the holidays due to the drop off in donations. You can help stop this. Talk to your local food banks to see what is on their need list. 

Nursing Homes

Many residents of nursing homes live far away from their children or grandchildren and don’t often have the means of visiting outside of the facility. Spending an hour or two here a week is often enough to brighten the spirits of residents. Whether it is reading a book with someone struggling with their vision or simply calling out numbers during bingo, a few hours is enough to brighten their week. 

Make it a Family Affair

Whatever you decide to do, make it a family affair. Young children who learn the importance of giving back are more likely to do it themselves. 

Contact an agent with Southwest Insurance Center about your insurance needs today.