Why Us?

Posted in Auto | Health | Life | Vehicle | Home | Insurance Provider

  1. We don't charge agency fees keeping your down payment lower.
  2. There is no service fees attached to any of the customer services provided after, including payments in the office, or fax services.
  3. We're convenient, we help post payments for our clients upon request using preferred method of payment.
  4. We shop for the best prices for the insurance coverage with the best interest of the customer!  Our customer's come first!
  5. Honesty and Integrity is what our agency has been built on since 2004, we're here 4 you!

Contact us today for a FREE QUOTE!

 

Scooter Insurance

Posted in Auto | Health | Life | Vehicle | Home | Insurance Provider

Why do you need insurance for your motorcycle in Midlothian?
You'll enjoy being out on the open road even more when you're not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:

  • If you're in an accident or your motorcycle is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or a passenger is injured in an accident, medical costs can be extremely expensive.
  • If your motorcycle is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • Your motorcycle may be one of your most prized possessions. It deserves special protection.

In a city like Midlothian, TX, where motorcycle driver are more than commmon, it is imperative you keep your motorcycle insured.

Things to consider and questions to ask your agent
Your Independent Agent in Midlothian is an advocate for finding insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

  • How much can I afford to pay if my motorcycle is in an accident, damaged or stolen? (Ask your agent what your cost savings would be if you raised your deductible.)
  • What discounts and programs are available? (Ask about discounts for taking safety classes or having multiple policies. You may also save money if your motorcycle is stored in a garage or if you belong to a motorcycle association.)
  • How much medical and liability coverage should I have (this may vary by state)?
  • Does the insurance company have a good reputation for customer service in Midlothian, TX? Is it known for paying claims fairly and promptly?
  • What's the process for filing and settling a claim?
  • Do they have a motorcycle repair center in Midlothian? 

Tips for the cost-conscious rider
Many factors can play a role in determining what your insurance costs will be such as your age, your driving record, where you live and the type of motorcycle you own, or being a graduate of a rider-training course.

  • Many companies offer discounts from 10 to 15 percent on motorcycle insurance for graduates of training courses, such as the Motorcycle Safety Foundation (MSF) rider course. Riders under the age of 25, usually considered a higher risk, may see some savings by taking this course. It's also a good idea for cyclists who have already had accidents.
  • Maintaining a good driving record with no violations will also help reduce your premiums.
  • In many northern states, riders may save money by buying a "lay-up" policy. With a lay-up policy, all coverage except comprehensive is suspended during winter months.  This king of insurance policy may not be applicable for Midlothian, TX and Central, TX. 
  • Find out what discounts your insurance representative offers. Multibike discounts for those insuring more than one bike, organization discounts, if you're a member of a motorcycle association, and mature rider discounts for experienced riders, are just a few possibilities. Discounts can range anywhere from 10 percent to 20 percent, depending on the company and your state. Availability and qualifications for discounts vary from company to company and state to state.
  • Keep in mind that the type, style (such as a sports bike vs. a cruiser) and age of the motorcycle, as well as the number of miles you drive a year and where you store your bike may also affect how much you pay for your premium.

RV Insurance

Posted in Auto | Health | Life | Vehicle | Home | Insurance Provider

Unless you have a true recreational vehicle insurance package, you could be in for an unpleasant ordeal should you experience a loss with your RV. Your auto and homeowner's policies may not cover such items as appliances, plumbing or accessories. Without true Recreational Vehicle insurance, your emergency expenses incurred while traveling would undoubtedly come out of your own pocket.

A typical travel trailer insurance policy from an auto carrier will include physical damage coverage only. Our A + rated motorhome insurance and travel trailer insurance companies provide coverages far above and beyond the modest coverage provided by your auto insurance company.

Renters Insurance

Posted in Auto | Health | Life | Vehicle | Home | Insurance Provider

Essential Protection for Valuables

Your possessions are worth a lot to you.  So when you rent an apartment or house, you need insurance that covers you and your belongings in case of an unfortunate event.

The essentials of quality protection Renters policy covers:

  • furniture
  • clothing
  • appliances
  • many other personal belongings
  • some of the improvements you've made to the rental unit
  • covered items you take while traveling
  • additional living expenses if you have to move out during repairs

Personal liability coverage provides protection if someone is accidentally injured while in your home, or their property damaged and the damage is caused by: you, your children or your pets, your personal activities, including most sports.

Your policy can also cover you:

  • for costs associated with the defending you in a lawsuit related to an injury or property damage
  • if you're held legally responsible for fire damage to your apartment
  • to the building where you live, or vacation property you rent
  • if your credit cards
  • ATM cards, or checks are stolen or used without your permission

Ways to reduce the cost of you insurance with a wide range of discounts if your home is equipped with:

  • antitheft devices
  • smoke detectors
  • fire alarms
  • deadbolt locks
  • sprinklers system
  • fire extinguishers

Disclosure

As an independent agency, Texas All 4 You Insurance Agency is bound by the laws governing insurance agents in Texas and the Code of Ethics of the professional association. This means that any insurance products we recommend will be the ones we deem to be best suited to meet your needs, without regard to the compensation practices of any one company.

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