While it’s common knowledge that auto insurance is vital, you might be conflicted about the necessity of full coverage insurance. At Rasor Insurance in Celina, TX, we are committed to helping you make this decision.

Understanding Full Coverage Insurance

First, it’s important to comprehend what full coverage insurance entails. This insurance category consists of two segments: collision and comprehensive coverages.

Collision coverage caters to damages perpetrated on your vehicle if you’re at fault for an accident. An instance would be running a red light and colliding with another vehicle. The collision coverage would finance the repairs or replacement of the vehicle.

On the other hand, comprehensive coverage takes care of damages to your vehicle that occur outside of road incidents. For example, if your vehicle is damaged by vandalism, the coverage will pay for repairs. Should your vehicle be critically damaged during a storm, collision coverage takes this into account.

Is Full Coverage Insurance Mandatory?

The government doesn’t mandate full coverage. However, if your vehicle is under a loan agreement or lien, your lender will most likely require full coverage insurance to safeguard their financial interest in it.

Do I Require Full Coverage Insurance?

Even if full coverage insurance is not a requirement, it’s worth considering. For instance, you might have recently finished paying off your vehicle. But suppose it gets damaged or wrecked in an accident. Would you be able to deal with the repairs or replacements without insurance? If not, full coverage insurance is a prudent choice.

Furthermore, given the significant investment a car represents, securing it with a full coverage policy is sensible even if you can afford to replace it.

Rasor Insurance: Auto Insurance

If you are interested in full coverage insurance in Celina, TX, contact us at Rasor Insurance. Our proficient agents are ready to discuss your situation and guide you toward the most suitable policy.

Many people think that you need to own a car in order to get auto insurance. However, that is not the case! In Celina, TX, Rasor Insurance offers Non-Owner Car Insurance policies This type of policy is for people who do not own a vehicle but still need insurance coverage.

So, why would someone need this type of policy?

There are actually a few reasons. Maybe you use a car for work or frequently rent cars when traveling. Or, perhaps you only drive occasionally and prefer not to own a car outright. Whatever the reason, Non-Owner Car Insurance can provide the coverage you need without breaking the bank.

A Non-Owner Car Insurance policy will typically include liability coverage, which is required by law in Texas. Liability coverage will protect you financially if you are involved in an accident, and it is determined that you are at fault. Your policy may also include collision and comprehensive coverage, although the law does not require this.

Collision coverage will pay to repair the car you are driving if it is damaged in an accident, regardless of who is at fault. Comprehensive coverage will protect the car from damage caused by factors other than an accident, such as theft, fire, or weather damage.

If you don’t own a car but still need auto insurance, a Non-Owner Car Insurance policy may be right for you! This type of policy typically includes liability coverage, which is required by law in Celina, TX. Your policy may also include collision and comprehensive coverage, although the law does not require this. If you have any questions, contact Rasor Insurance. We are here to help!

It is not a secret that car accidents are, unfortunately, incredibly common. All cars require insurance, but some insurance covers more than others. Texas is a state with one of the highest number of car accidents and therefore, appropriate auto insurance coverage can be vital. 

Rasor Insurance in Celina, TX provides auto insurance to drivers in the following states:

• Texas
• Oklahoma 

If you call us, we will provide you with several quotes from the many providers we work with. 

What auto insurance you must have

All drivers must have auto insurance, but as we mentioned previously, every insurance looks a little different. While you need specific coverage on your auto insurance, you can always get a higher coverage or add additional coverage on your insurance. However, there are two must-have items for all auto insurance:

• You must be covered in the case of physical harm to another person, which is 30 thousand dollars per person and 60 thousand dollars per accident. 
• Coverage for property damage, which should be a minimum of 25 thousand dollars. 

Most coverage should provide this already, but it’s worth looking into whether you need to get additional coverage. 

What else to look into

While the above is already great coverage in case of emergency, you might want to consider opting in for some extras. Some of these might be personal injury coverage, or liability insurance if you take others out on trips often, to name a few. 

Whatever it is you might need, or even if you’re not quite sure what you need, we are here to support you. Call our Rasor Insurance office in Celina, TX right away and one of our advisors will discuss all your options with you. 

Having a car is a necessity for most people. You count on it to get you to work, to school, to shopping, and all the other things you do every day. Servicing your car is part of responsible auto ownership and it just makes good sense. No one wants to be stuck on the side of the road with a breakdown that should never happen. Another important part of auto ownership is having the necessary insurance. Rasor Insurance in Celina, TX is the local independent insurance agent that you can count on to make sure you comply with Texas insurance law. 

Getting your car ready for winter is an important part of vehicle maintenance. If you are into DIY you can do many of these things yourself but if you prefer, you can take your car in for an oil change and get most things taken care of. 

Check your battery

You can buy a battery checker yourself or you can have it checked when you get your oil change. Nothing is worse than going out in the cold and having your ar refuse to turn over. 

Fill your window wash

In the winter with salt and sand on the roads, the chance of your windshield getting dirty is greater. It is always best to have your window washed filled to the top. Make sure your wipers are good while you are at it. 

Check your antifreeze

Making sure that you have adequate coolant is important when you will be calling on your car to keep you warm and toasty often. 

Check your tires

Check to make sure your tires still have adequate tread to grip the road properly and check tire pressure. Be sure you have your spare in your trunk and your jack. 

Put together a winter safety kit

Make sure that if you break down in the cold you are prepared with a warm blanket, hat, and gloves. 

Contact Rasor Insurance in Celina, TX for all your insurance needs.