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Can You Really Only Drive 1,000 Miles on a Classic Car Policy?

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At EasTex Insurance, we want you to enjoy your classic car. For some, that means showcasing it at car shows or driving it in parades. For others, it means taking it out for weekend drives to explore the coast or the desert. There’s a lot to see around Tyler, TX, and some drivers want to explore it in their 1960s Corvette. But can a person drive more than 1,000 miles yearly and still qualify for classic car insurance?

Understanding Mileage Limits in Classic Car Policies

Not all classic car policies limit driving to 1,000 miles. You can choose from mileage limits up to 7,500 miles; some companies even offer unlimited mileage. The unlimited option adds to the premium cost, but the amount varies from company to company.

If you don’t specify that you want to drive your vehicle fairly often, the classic car insurance policy you get will likely contain a 1,000-mile limit. Discuss with your insurance agent how you plan to use the vehicle. Ask for premium estimates for 1,000-, 5,000-, 7,500-mile, and unlimited mileage policies. This allows you to compare the costs of driving a classic car frequently.

Schedule Your Insurance Review Today

When your insurance agent understands how you want to drive your classic car and how frequently you drive it, they can create the ideal coverage package for you. Call or email EasTex Insurance today to schedule your classic car insurance review. Let us help you ensure you have the protection you need before you leave your Tyler, TX, driveway.

How Umbrella Insurance Protects You in Everyday Life

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Life has a peculiar way of throwing surprises, much like an enthusiastic toddler with a handful of spaghetti. But just like on a rainy day, umbrella insurance comes to the rescue. An unsung hero of the insurance world, umbrella insurance from EasTex Insurance in Tyler, TX can offer extra protection beyond your standard insurance policies like home and auto. Like an oversized umbrella at the beach, you get extra protection when things get unexpectedly stormy.

Dog Bites

Even the cuddliest canines occasionally channel their inner chaos goblin. If your dog decides to chomp on a neighbor’s ankle or sends an elderly jogger sprawling, you could be held responsible for medical expenses and legal fees. While your homeowner’s insurance might cover some of the costs, umbrella insurance acts as the generous benefactor, stepping in when damages surpass the limits of your primary policy. Good to know, right?

Slip-and-Falls on Your Property

Picture this: A guest arrives and steps onto your driveway, and within moments, they’re airborne. Whether they slipped on a patch of ice or tripped over an unruly garden gnome, you could be sued. Umbrella insurance helps ensure you’re not left financially floundering.

Rental Property Incidents

If you’re smart enough to earn rental income, you’d better be smart enough to get umbrella insurance, too. Being a landlord comes with risks; sometimes, those risks manifest in ways that defy logic. A tenant’s cousin’s best friend might trip over a rogue extension cord, or a balcony railing might give way. When liability claims emerge from injuries or damages on your rental property, umbrella insurance extends an extra layer of protection.

Umbrella insurance isn’t just an extra policy; it’s a financial shield, protecting you from liability surprises. Talk to your insurance representative at EasTex Insurance in Tyler, TX to learn more.

Protect Yourself Against Uninsured/Underinsured Drivers

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Your auto insurance policy in Texas should include coverage for uninsured and underinsured drivers. This means that if you’re in an accident caused by a driver with no insurance or insufficient coverage, your insurance will help cover expenses resulting from the accident. While it’s possible to refuse this coverage to reduce your premiums, EasTex Insurance in Tyler, TX, advises caution as you could take a bigger risk than you realize.

The Risk of Uninsured and Underinsured Drivers

According to the Texas Department of Insurance, in 2023, 12% of Texas drivers were uninsured. The Texas Department of Motor Vehicles estimates that figure to be closer to 20%. Either way, that’s a significant number of drivers on the road without insurance. Add in those with a very low level of insurance compared to what you carry, and that’s a lot of drivers who wouldn’t have the coverage to pay for the damage they cause to your car.

If you choose to drop this coverage, you’ll have to sign a denial form. However, this means that if you’re in an accident with one of these drivers, you may not receive enough compensation to cover car repairs and medical bills. This could end up being far more expensive than any increase in your premium if you keep this coverage.

Contact EasTex Insurance in Tyler, TX, to ensure that your car has appropriate insurance coverage. Don’t let someone else with less insurance put you in a difficult financial situation.

What Exceptions Are Not Covered Under Umbrella Insurance?

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If you’ve recently acquired umbrella insurance or are planning to add it to your policy for an extra layer of protection, there are a few things you need to know. While it will cover situations where you are found liable, there are a few exceptions where the policy will be null and void and not be an option for damage coverage.

Personal Property and Medical Expenses

If you cause an accident or event that damages your personal property, umbrella insurance will not cover that cost. This includes any damage done to your home, structures on the property, your car, or any other personal items that belong to you and were damaged by you. The same applies to any medical expenses that arise as a result of your own negligence.

Criminal Activity

Accidents where you cause damage is one thing, but if you deliberately caused damage to someone or their property, and it has been proven, your umbrella insurance policy will not cover your expenses.

Punitive Damages

Suppose you or someone living at your home purposely attacks another person, even with emotional abuse, causing them damage or requiring them to seek medical attention. In that case, your umbrella insurance policy will not cover the costs. These are usually related to cases in civil court, with evidence proving the damage was caused on purpose. This can also include damages related to your tenants if you own rental properties and are behaving maliciously to evict them.

If you have more questions about umbrella insurance or want a personal quote for your home or business, contact our agents at EasTex Insurance. We serve clients in the Tyler, TX area, and surrounding communities.

Everything You Need to Know About Deductibles

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Understanding auto insurance, especially deductibles, can be confusing. To select the best car insurance and ensure you’re covered with a policy you can afford, you’ll need to decide what your deductible should be. To make the best choice, you need to understand what deductibles are, what the average deductible is, and what all this means for someone living in Texas.

What Are Deductibles?

A deductible is the amount you have to pay before your insurance starts paying. It’s an upfront expense you’ll pay whenever you file a claim with your insurance provider. The deductible is agreed upon when you purchase your insurance policy. The average deductible for auto insurance in Texas is $500. You are generally choosing a higher deductible, which results in a lower premium.

How Do Deductibles Work?

If you have a $500 deductible on your insurance policy and get into an accident that requires $1,500 to fix your car, you’ll pay $500 for repairs, leaving $1,000 that your policy would cover. If you have a higher deductible, you might end up paying for all the repairs yourself before insurance coverage begins. Sometimes, you can choose what your deductible will be. Other times, the deductible is based on factors such as your vehicle’s value and driving history.

Why Partner With EasTex Insurance?

At EasTex Insurance in Tyler, TX, we offer a wide range of insurance options. We can help you select the right insurance for your individual needs and guide you through the process of figuring out the best deductible that will suit your budget. Contact an agent serving Tyler, TX, for more information.

How Whole Life Insurance Works

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Understanding Whole Life Insurance

Most people need to leave something behind once they’re gone to beneficiaries to make life easier for them. It’s important to have life insurance to take care of this need. There are two main ways that you can be covered – with a term life insurance policy or a whole life policy. There are major differences between these two types of policies. Many people choose whole life policies because they offer some benefits that term policies don’t. When you’re interested in getting life insurance, you can turn to us. Just contact us at EasTex Insurance in Tyler, TX.

Whole Life Lasts Your Whole Life

The name whole life comes from the fact that these policies last for your whole life. While term life insurance policies expire after a certain number of years, a whole life policy never expires, no matter what age you reach. Many policyholders get these policies for this very reason. Instead of getting another policy someday, you can get this one and keep it to the end of your life.

Cash Value

Another advantage of a whole life policy is that it will slowly build up an amount known as its cash value. This amount takes a few years to start accumulating, but it keeps growing over time. With this amount in place, you can borrow it if you ever find that you need to. This can be a good source of peace of mind as policyholders know they will have access to cash in a financial emergency. This could be an important source of funds when it’s most needed.

Get Whole Life Insurance in Tyler, TX

If you’re interested in whole life insurance, we can help you get started. Call EasTex Insurance in Tyler, TX, to learn more.

Making your home a safer place to live

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Your home serves as a sanctuary, a place where you and your family gather and feel safe. Ensuring its safety is essential for your well-being. Numerous factors contribute to the security of your home’s interior and exterior portions. At EasTex Insurance in Tyler, TX, our function as independent insurance agents enables us to prioritize the needs of our customers. We offer multiple choices to help you land the most suitable policy for your requirements.

Considerations for Outdoor Safety

Creating a safer exterior around your home can involve the installation of an alarm system that alerts you to potential intruders. Motion-detecting lighting can further augment your security by illuminating any moving object within its range. Proper fencing is integral for children’s safety if you have a swimming pool. Pruning shrubs near your house to a lower height and regularly trimming tree branches can help avoid injuries or damage.

Enhancing Safety Inside Your Home

Inside your home, the threat of a fire necessitates smoke detectors and fire extinguishers on every floor. Promote child safety by ensuring poisonous chemicals and medications are stored out of their reach or securely locked away. Regularly check and ensure that doors and windows are all locked.

Trips and falls constitute some of the most significant potential threats inside a home. Keep hallways and stairs free of clutter, ensure there’s ample lighting, and avoid throw rugs or extension cords that could lead to a tumble. Conducting a safety assessment of your home’s interior can further enhance its safety.

Our dedicated team at EasTex Insurance in Tyler, TX, is readily available to discuss your home insurance needs. Contact us today.

Filing a Claim for Vandalism in Classic Car Insurance

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Vandalism directed at a classic car can cause emotional distress and financial hardship. Whether the damage is minor or extensive, classic car insurance in Tyler, TX, can help rehabilitate and restore your cherished vehicle.

Assessing the Vandalism

If you discover vandalism to your classic car, the initial step is to assess and record the damage. Take clear photographs capturing the extent of the vandalism. Note the incident’s date, time, and location and gather any available information from witnesses or security cameras.

Reporting the Incident

Report the vandalism to local law enforcement promptly and file a police report. Provide the authorities with an exhaustive account of the damage and other pertinent details. Maintain a copy of the police report, as this will be crucial for your insurance claim.

Contacting Your Insurer

Notify your classic car insurance provider as soon as feasibly possible. Provide them with all necessary documents, including photos, videos, and the police report. Describe the scope and nature of the damage in detail. Prompt reporting is essential as most policies have set deadlines for claim filing.

Working with the Insurance Adjuster

The appointed adjuster may conduct a personal inspection or request additional information related to the vandalism. Cooperating fully will ensure a thorough and accurate evaluation, which will determine the compensation you receive.

Settling the Claim

Once the adjuster’s assessment is complete, your insurer will process your claim and propose a settlement. Carefully review each part of the offer before accepting. If you concur with the offer, the insurer will issue your payment, enabling you to restore your classic car to its original state.

EasTex Insurance: Your Go-To Insurance Company

At EasTex Insurance, we offer our expertise to satisfy your insurance requirements. We cater to residents in and around Tyler, TX. Call us today.

Why So Many People Are Getting Umbrella Insurance

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Umbrella insurance is a specialized type of insurance that grants extended coverage on top of other existing policies. This is an excellent option for individuals with home and auto insurance policies, offering them an extra layer of protection. Their popularity increases as individuals discover how much additional coverage they can acquire without incurring extreme costs. Umbrella insurance is budget-friendly while providing a high level of fortification against unforeseen accidents and the exorbitant costs associated with them. To guarantee you’re protected, reach out to us at EasTex Insurance in Tyler, TX.

Increased Liability Coverage

Securing an umbrella insurance policy delivers increased liability coverage to your auto and home policies. This addition comes at a lower price compared to directly augmenting your liability coverage through your standalone policies. Umbrella insurance offers a substantial amount, covering even severe accidents. Should an accident occur in your vehicle or home, you’d require this coverage to settle medical costs and other related bills.

Enhance Your Security With Umbrella Insurance

Having additional coverage through an umbrella insurance policy ensures you’re well-protected in a serious accident. The liability coverage provided by home and auto policies usually falls short, leading to potential financial risks if adequate additions are not made. It’s crucial to feel secure knowing you’re adequately protected and that a severe accident won’t lead to financial ruin.

Secure Umbrella Insurance

To learn more about this increasingly popular coverage type, contact us at EasTex Insurance in Tyler, TX. We can assist you in kick-starting a policy that provides an extra layer of protection over your existing policies.

Comprehensive Auto Insurance: Big Coverage for Big Cars in Tyler, TX

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Navigating the urban streets and mazes in Tyler, TX, can be daunting for motorists driving oversized trucks, pickups, and SUVs. Ensuring your vehicle with the best auto insurance available can provide maximum protection for Lone Star State motorists.

Learn more about the benefits of comprehensive auto insurance coverage in Tyler, TX, from the insurance professionals at EasTex Insurance.

Liability Insurance Offers Basic Protection

Texas motorists who opt for state minimum liability insurance meet the basic requirements for legally operating a vehicle on public roads within the state of Texas. However, the downside of liability-only insurance policies is that they provide limited coverage for drivers and vehicles.

Liability insurance policies shield drivers from outrageous out-of-pocket expenses that can occur in an at-fault car accident. While basic insurance policies help drivers save on the high costs of legal liability claims, property damage claims, and claims for medical expenses, they do not cover the costs for repair or replacement of your vehicle when it has been in an accident.

Comprehensive Auto Insurance Equals Big Coverage

Truck and SUV drivers who want to ensure total protection of their vehicles opt for insurance policies with comprehensive and collision coverage. This heightened level of coverage offers protection for auto collisions, vandalism, theft, damages from natural disasters, and animal collisions. Comprehensive coverage adds another layer of protection, encompassing non-collision-related incidents that normally result in high repair or replacement costs for local drivers.

A licensed and knowledgeable insurance agent at EasTex Insurance can assist local drivers in choosing the most suitable comprehensive insurance coverage for their needs.

Starting a comprehensive auto policy is as simple as reaching out to your trusted local insurance agent, sharing details about your driving history and budget, and receiving a quote today!