1701 Gateway Dr. Ste. 431
    Richardson, TX 75080
    972-480-9878
   
￭ Basic information your agent will ask you:

1. What make and model cars you own

2. Roughly how many miles you drive each year

3. What kind of liability coverage you will need

4. How many people drive the cars

5. How old the drivers are,

6. Where you live

7. Driving records of each household member.


￭ More detailed questions about your cars:

1. Vehicle Identification Numbers (VIN)

2. Whether they have passive restraint systems or air bags, anti-lock brakes or anti-theft devices.


￭ Qualification for discount on auto policy:

1. Have another insurance policy with the company for home or life insurance,

2. Complete safe-driving courses

3. Student drivers in your home get good grades

Once the agents have assembled all of the information, they will quote you a premium. The premium will depend on all the factors above and on the deductibles you choose.
A minimum amount of liability coverage is mostly required. But you may have chances to need more liability insurance than the state requires because accidents cost more than the minimum limits.
1. Basically: $100,000 of bodily injury protection per person and $300,000 per accident.

2. Additional liability insurance: if your net worth is more than $300,000.

3. Umbrella or excess liability policy: These policies pay when your underlying coverages are exhausted. Typically, these policies cost between $200 and $300 per year for a million dollars in coverage. If you have your homeowners and auto insurance with the same company, check out the cost of coverage with this company first. If you have coverage with different companies, it may be easier to buy it from your auto insurance company.

4. Collision and Comprehensive coverage

5. Decide on a deductible: the amount of money you pay on a claim before reimbursing. Typically, deductibles are $500 or $1,000; the higher your deductible, the lower your premium.