Insuring Stored Cars

Many people will assume a stored car does not need to be insured since it will not be in use and it is in a protected location. There may be short-term savings, but in the event of a disaster such as fire or theft, while you are away, you may find this a costlier option that maintains coverage.

Some drawbacks to not maintaining insurance could be a gap in your coverage. This could increase your insurance costs if you are identified as a high-risk. If there are major accidents or your vehicle is damaged, it won’t be covered without insurance. Also, if you are financing your vehicle you may require insurance anyways. All factors to consider when deciding to insure your stored vehicle or not.

At Shell Insurance Agency in Deer Park, TX we have agents who can help you determine what kind of insurance may be right for you should you decide to store your vehicle for any length of time.

Benefits of Insuring Your Stored Vehicle

It may be possible to reduce your current insurance and have comprehensive-only. There may be some requirements depending on the ownership status of the vehicle, but with this type of insurance, you can avoid a lapse in coverage as well as protecting your vehicle from natural disasters like hail and also theft.

Quality Insurance From a Trusted Agency

Contact Shell Insurance Agency in Deer Park, TX today to speak with an agent about insuring stored vehicles and actively driven cars as well. Our company has a long history of helping vehicle owners get the best insurance possible. We also offer a range of other insurance products for home and other assets. We look forward to helping you with all your insurance needs.

Auto insurance is a critical product you need to have in Deer Park, TX to protect yourself financially as a motorist. You should put enough effort into shopping for auto insurance to be sure that your policy will keep you covered affordably. 

When you’re shopping for auto insurance with Shell Insurance Agency, you should keep the following three tips in mind. 

Get information on prices and features of auto insurance from numerous providers.

As you shop, find the prices and features that go along with policies from various insurance providers. Then, you can compare and find the insurance provider offering the most value in their policies. 

In addition to comparing prices and features, you should also do some research on company reputation and customer service quality. 

Understand which factors will influence auto insurance costs

Numerous factors will influence how much your auto insurance costs you. These include your driving record, the type of vehicle you’re insuring, the deductible on your policy, and the amount of coverage you have. 

It will help you as you shop for insurance to understand how these various factors will influence costs. 

Research the discounts you could be eligible for

You may have more auto insurance discounts available to you than you realize. You can get a discount for bundling numerous insurance policies with the same provider. You can also get a discount for taking a driver safety class. Some insurance providers offer discounts if you add features to your vehicle, such as anti-theft devices. 

If you’d like to get started with shopping for auto insurance in Deer Park, TX, contact us at Shell Insurance Agency to explore your policy options. 

If you have a teenager of driving age, it’s vital that you get them covered on your auto insurance. It gives you peace of mind to know that your child is protected. Getting your teen covered is the most responsible decision you could ever make. Our agents at Shell Insurance Agency, serving Deer Park, TX, are here for you in finding quality, thorough coverage for your teenage driver.

Why must you include your teen on your insurance?

The apparent reason you need your teen covered is that they are inexperienced. You will be better safe than sorry if you add your teen to your insurance. According to the Centers for Disease Control and Prevention (CDC), drivers ages 15 to 19 are four times more likely to crash than older drivers. This makes car crashes the No. 1 cause of death for teens. If your teen is involved in a fatal accident with multiple casualties and no liability insurance, you could find your self in a very dangerous situation.

It is typically required by law to insure your teen or have them acquire their own coverage. Most states require drivers to have auto liability insurance before they can legally drive. In the state of Texas, it is mandated to have coverage of 30/60/25 for anyone operating a motor vehicle. The bottom line is driving around without insurance is a serious offense. Doing this risky thing could lead to the loss of a new driver’s license.

Contact our insurance team today

Adding your teenager to your insurance is a bit costly. But it is certainly worth it for your peace of mind and their wellbeing. Don’t delay! Contact our team at Shell Insurance Agency in Deer Park, TX concerning your coverage options.

Whether you own a brand new car or you drive a classic truck, there are a number of auto insurance options to consider. If you live in or around Deer Park, TX you will want to talk to the team at Shell Insurance Agency to identify the kinds of auto insurance that will work for your particular needs. So no matter how often you drive or the kind of vehicle you have, you’ll find insurance options that fit your needs. 

Personal Injury Protection

This is one kine of automotive insurance add on you should consider. It will help fill in the gaps in health insurance if you are injured while driving. Additionally, if someone else is injured in the accident and they do not have health insurance (or their health insurance doesn’t fully cover the medical needs), this form of insurance can help. 

Roadside Assistance

You can’t always forecast when your vehicle might suffer performance problems. While taking care of your car and following the recommended service schedule can help, there may be times where you have problems during your drive which will leave you on the side of the road. With roadside assistance, you will have access to tow trucks and other roadside help. 

It doesn’t matter if you recently purchased a vehicle or you’ve had the same car and insurance provider for some time, it is always a good idea to shop around for car insurance offerings. This way, you’ll know you have coverage that fits your personal needs. When living in or around greater Deer Park, TX the team at Shell Insurance Agency is here to help. So feel free to give them a call at your earliest convenience to find out how they can help you find the insurance coverage that works for you and your vehicle. 

Insuring your auto for liability coverage is required in most states, this protects other drivers from you and your vehicle. No states mandate that you protect your vehicle from damage, though lenders and leaseholders will require you carry this coverage to protect their investment. Because it is not mandated, is it a good idea not to carry comprehensive insurance? In most cases, it is not a good idea and if you live in or near Deer Park, TX why not stop by the office of Shell Insurance Agency and discuss what this policy can do for you.

Most people need to have a vehicle to get to work, to school, to do the everyday things that life requires of them.  If your vehicle is damaged in an accident with another vehicle, the repair is covered either by the other party’s insurance, if they were in the wrong or by your collision insurance minus any deductible.

But what if your vehicle is damaged by something other than a collision? Something like a deer or other large animal, vandalism, fire or theft? These are the sort of unpredictable things that can happen and they are what is covered under comprehensive coverage. Another is glass damage, which is the most common claim under comprehensive coverage and often is not subject to the policy deductible.

What you have to consider is can you survive without your auto and do you have the means to replace your auto on your own. If you answered no, then you need to keep comprehensive insurance coverage on your vehicle along with your collision and liability.

If you have questions about the type and amount of coverage you need for your auto, why not give Shell Insurance Agency in Deer Park, TX a call or stop by their office. One of their agents will be happy to talk to you about the auto policy that is right for you.

No one wants to have a car accident, but most people will have one or more at some point in their life. When an accident happens, it is a good idea to be prepared and know what to do and what not to do. The Shell Insurance Agency in Deer Park, TX understands that accidents happen and offers some tips for when they do happen. There were more than six million accidents reported in 2016; the last year stats were available.

The first thing is to determine if you are injured. That may sound silly, but you will probably be in shock for a few moments at least when an accident happens. You may not know if you are injured or not for a few minutes. You should then check on any passengers in your car. If you are seriously hurt — which is subjective — do not move or move as little as possible until help arrives.

If possible, move your car out of the line of traffic. You should then call 911 or the police. The other driver may be doing the same. It is ok to call the police to get an officers report even if the accident is a minor fender bender and no one is hurt.

Exchange all vital information with other drivers involved in the accident. Contact information, drivers license information, as well as insurance information,  can be shared without concern. Do not talk about whose fault the accident was, and do not admit you were at fault even if you think you might have been. The insurance companies and police will determine who is at fault.

The Shell Insurance Agency in Deer Park, TX is here to help you with all your automobile insurance needs. Contact us by phone, online, or in person, to get the coverage you need.