Looking for Auto Insurance in Texas?
Looking for the Best Auto Insurance?
The Serrano Agency is in the business of having you covered. We are experts with standard auto insurance. We will keep you protected.
Our specialists will help understand your coverage and help you get the best of your auto insurance. Car Insurance covers “much more” than just your car.
We understand that as a driver you have to deal with many challenges and distractions on the road, and the changes of being involved in a car accident are in many ways unavoidable.
You constantly face risk every single time you get into your car.
In times like this, it is important to have a clear understanding of your coverage options—not just for your car, but protection for you and anyone who may be injured.
Having adequate Car Insurance limits is serious business
Our team of experts work very hard to be certain you are properly insured. If you are involved in a car accident, and found to be at fault for someone else, you are at risk of literally losing everything if you have NOT been properly insured. Our job is to insure this does not happen to you.
What does it mean to have great coverage? Most of the time we think that having great coverage means having higher insurance premiums. This is not necessarily the case. Our job is to help you navigate through the BEST plan that will work for you.
The best deal for you! In our dedication and commitment to help you select the best deal for you, our specialists will take your current coverage and compare them with a wide range of insurance providers to find who offers the greatest deal possible.
We work on your behalf! The great news is that it does NOT cost you a penny more to receive our services. Our specialists are compensated by the insurance carriers directly. We are committed to properly cover your needs and exposures. To work on your behalf means, we make sure that there are no hidden gaps in your policy.
An insurance contract just for you! The reality is that No two insurance contracts are the same. Our specialist will conduct an assessment to better understand your needs and guide to the insurance contract that works for you. At times policies might look the same, the information behind the cover page can vary extremely from company to company.
We are experts and truly understand policy contracts! We will help you navigate through the exclusions and conditions, so you can be confident in knowing you have the best possible coverage at a price you can afford.
Important Auto Insurance Coverages
We don’t want you to browse through your policy, read through the language of coverage’s and wonder what they are.
Please let us help you better understand your policy!
This is the portion in your policy’s coverage that helps pay to repair or replace your car if it’s damaged in an accident with a fixed or another moving vehicle or object, such as a fence or a tree.
This is the part of the coverage that pays to repair or replace a covered vehicle that’s stolen or damaged by something other than a fixed or moving object. For example, damage caused by fire, wind, hail, flood, theft, or vandalism.
In this part of your policy, that when or if you damage someone’s car in an accident, or a fence, house, or some other property that belongs to someone else, the other person gets compensation for the damages.
Bodily Injury Liability
This is a type of car insurance coverage that is required by law in most States. If you cause a car accident that injures another person, bodily injury liability coverage helps pay for their medical expenses and lost income as a result of their injuries. This is the best way to protect your financial interest.
Un-insured & Under-insured Liability
This is the part of the policy coverage that protects you from damages in an accident caused by an at-fault driver with no liability insurance, or less liability insurance that is not sufficient to cover the damages. Because we do not have control over our surroundings, we need to make sure you are covered at all times.
Common Auto Insurance Rating Variables
Age- Typically drivers that are 25 and or over 65 do not get ideal rates because of the statistics that show that they have the most loss frequency and are therefore more at risk for financial loss due to a vehicle accident.
Credit- This is an important component that influences what kind of rates you when get when purchasing an insurance policy. The better your credit, the more satisfactory your rates will usually be.
Car-This is another variable that plays a big part of determining what type of rate you will get on your policy. Example-The type of car, engine size, safety features, etc.,
Driving History — your driving record plays a significant role in the price you will get for your policy. If you have a patterned driving history, or multiple moving violations or accidents, the risk is, you won’t get a favored rate until those incidents pass the test of time of at least 3 years.
Household — Most insurance companies try to judge what the probability of loss will be based on the entire household. Example if there are multiple drivers in the house who are under the age of 25, this causes an impact on everyone’s pricing in the home.
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