How Often Should I Review My Auto Insurance?

Although one study found that 40 percent of drivers do not shop for less expensive car insurance, it is a good practice to have a general insurance review annually or when you experience a life-changing event. Some life events do not affect auto insurance rates, but we will focus here on auto insurance. If you want to discuss changes to your insurance plans, contact our Barry Insurance Group team serving the Pearland, TX, area.

Events Affecting Your Auto Insurance

You should perform an annual insurance review. Insurance companies change rates for reasons unrelated to you, so shopping around makes sense. Also, you should review your auto insurance needs when any of the following changes occur.

  • Change in Residence: Your ZIP Code and the nature of your home parking affect your rates.
  • Job Changes and Working Remotely: Your daily commute affects your rates. Working remotely eliminates the commute.
  • Adding a Driver: Teenagers earning their license is a big event and need adequate insurance.
  • Acquire a vehicle: Buying, leasing, or disposing of a car will change your rates.
  • Vehicle growing older: As your vehicle ages, consider dropping your collision coverage.
  • Getting a ticket or having an at-fault accident: Getting a ticket or having an at-fault accident will increase your rates, so it’s an excellent time to shop around.
  • Improved credit score: Your credit score affects your rates. As your score increases, your insurance premiums decrease.
  • Bundling: If you do not currently bundle your insurance, consider doing so for better rates.

Working With the Barry Insurance Group

Our team at Barry Insurance Group serves the Pearland, TX, area. Let us answer your insurance questions and prepare a policy to meet your needs. Call us at (281) 464-3384 or stop in to see us today.

Three pieces of misinformation you might come across regarding auto insurance

Understanding your auto insurance coverage is essential so that you can enjoy financial security as a motorist. Barry Insurance Group is a provider of auto insurance. We offer auto insurance to drivers in Pearland, TX.

The following are three pieces of misinformation you might come across regarding auto insurance. 

Your auto insurance policy will cover your vehicle regardless of who is driving.

Everyone who will regularly drive your vehicle should be listed on your auto insurance policy. If you let someone drive your car and they’re not explicitly listed on your policy, your vehicle might not be covered if that person gets in an accident. 

You’ll have to pay more insurance premiums if you insure a newer vehicle. 

Indeed, newer vehicles are sometimes more expensive to insure than older vehicles. However, this is not always the case.

More expensive vehicles are typically more costly to insure than less expensive vehicles. Newer vehicles are often more expensive than older vehicles.

However, newer vehicles also offer improved safety over older vehicles, and insurance providers charge less to insure safer vehicles. This factor makes it so that some newer vehicles might be less expensive to insure than older ones. 

You should choose minimum coverage when you buy auto insurance.

You want to get more than minimum coverage so that you have more financial protection behind the wheel. Minimum coverage won’t include collision and comprehensive coverage that pays for repairs for damage that your own vehicle experiences in an accident.  

Motorists in Pearland, TX can come to us for an auto insurance policy quote. Call us at Barry Insurance Group, and we’ll happily answer all your auto insurance questions. 

Why basic auto insurance may not be the right choice for you

Texas doesn’t require that you have auto insurance, but it does require that you show you have the means to pay for any damage you may cause to someone else. Most people find that it is easier to just have auto insurance than to prove they can pay for the results of an accident. At Barry Insurance Group in Pearland, TX, we are independent agents and have access to many carriers meaning that we provide our customers with more choices. 

Why basic auto insurance may not be the right choice for you

In Texas, basic coverage is 30/60/25. If only one person is injured the insurance will provide $30,000 coverage, if more than one person is injured, the total can’t go over $60,000. It also allows $25,000 for damage to property. This may sound like a pretty generous amount for basic insurance but think about what a stay in the hospital costs. It could go way beyond the minimum allowed in just a few days to say nothing of a judgment. 

If you have assets, they could be in danger if your insurance is not enough to pay for any damages you cause. 

Are you leasing your vehicle or do you have an auto loan? Then basic auto insurance is not going to be enough. You will be required to have collision and comprehensive to protect your vehicle as well as other people. 

Think about what your life would be like if your car was totaled in an accident you caused and you have no collision or comprehensive coverage. How would you get to work? How would you run errands? Can you live without your vehicle? Most people need a car to survive in suburbia. Think about that before you opt for basic coverage. 

Contact Barry Insurance Group in Pearland, TX for an auto insurance review or a new carrier for your vehicle. 

When Do I Need to Get Auto Insurance?

Owning a vehicle features a fair share of freedom that everyone admires. While the feeling is irresistible, it comes with significant financial responsibility, courtesy of auto insurance coverage. Understanding when you need to visit Barry Insurance Group for your car insurance and the type of policy you need is rewarding. Read through to learn more about your auto insurance in Pearland, TX. 

If it is your first-time buying insurance coverage, the procedure may seem challenging. However, that is not the case since you can enjoy a stress-free process with a positive attitude and some information. Take time to learn about different policies and what they cover before purchasing.

When To Buy Your Insurance 

If you plan to get a new vehicle, it is convenient to start with your car insurance. Perhaps you have another car with an existing insurance cover. Enjoy a grace period for your new vehicle while it lasts if your insurance company offers that. Factors that influence your policy include your dealership. If you want to get a loan for your new car, buy insurance first is the way to go since your lender may demand proof of such.

For whatever reason, do not risk driving your new car without insurance cover. Besides being risky, it is also against the law. If an accident happens, it may attract hefty penalties and loss of money since you have to settle the bills from your wallet. 

With existing insurance, find out the type of cover you need for your new car. Talk to your insurance broker to identify the options you have between the old policy and the one you intend to buy. Do not cancel your current policy if you have not purchased a new one. However, it is wise to discontinue it afterward, to minimize cost. 

To understand the right time for you to buy car insurance in Pearland, TX, visit our website to connect with Barry Insurance Group for all your queries.

Do I need auto insurance in Texas?

In the Pearland, TX area, it is a good idea to own a car. Those who have a car here will have a much easier time getting around town, making life easier and more efficient. As you are shopping for a new vehicle, you also need to think about getting auto insurance coverage. You will need this insurance for several different reasons when in Texas. 

Insurance Protects Asset

You will need auto insurance in the Pearland area because it can protect your asset. Your car is one of the most valuable and important assets that you will ever own. If you do have a car, you will want to protect it. When you get a full insurance policy, you can be protected against many risks, including the risk of theft or accident damage. 

Insurance is Required

You will also need to get auto insurance coverage in Texas because it is often a requirement. When you take out a car loan, your auto lender will require that you carry a full auto insurance policy at all times. Additionally, the state of Texas will require that all drivers on public roads carry the minimum level of auto liability insurance at all times. 

As you are shopping for auto insurance in the Pearland, TX area, it is important that you get the guidance and support needed to choose a new policy. When you are looking for support, you should call the team at the Barry Insurance Group. The Barry Insurance Group can answer any questions that you have about your needs and options for insurance. Based on this, you will choose a policy that provides you with the right type and level of coverage. 

How To Get The Auto Insurance Policy That You Need

When it comes to having auto insurance, it is vital to make sure that you receive the coverage beneficial to you in the case of injury and protecting your vehicle repairs when necessary. Auto insurance also protects you while you are on the road if you are involved in an accident of any kind. 

At Barry Insurance Group, we serve the residents of Pearland, TX with auto insurance that protects you and your vehicle. We believe that it is vital for our clients to understand the type of coverage that they need with the way they use their vehicles. Being able to protect yourself and your investment is our primary goal. Here are a few tips on what you should look at while shopping for auto insurance.

Have you ever been in a situation where you lost your mode of transportation? Replacing a car because of an accident (whether you were at fault or not) can be an unreachable financial burden. However, when you have the insurance that helps you stay on the road while you work towards purchasing another car, that can save you a lot of time and stress down the line. When you speak with one of our representatives, feel free to ask about the options that you have available in this situation. You deserve to have a means of transportation for your daily needs.

Are you ready to sit down and discuss auto insurance options you want with one of our agents? Our team will make sure that you are equipped with coverage that is beneficial to your needs. To contact us during our office hours, please feel free to call us at (281) 464-3384. If you prefer to e-mail an agent with your inquiry, please feel free to reach out to us. 

  • I have been a customer for years. BIG is always there to answer my questions and get me the right coverage.
    Dan Broussard
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