Although we often hear people complaining that they’re “insurance poor,” there are some types of insurance policies that are a necessity, such as auto insurance. Whether you’re about to get your first automobile insurance policy or are looking for a new policy, read this article and get the facts about automobile insurance.
Auto or vehicle insurance is simply an agreement between an insurance company where you pay a premium, and they provide you with insurance coverage in the case of an accident. The premium you pay for insurance is based on several factors, including age, sex, driving record, miles you drive, type of car, and credit report, among others. Vehicle insurance policies offer several types of coverage.
Who Is This Insurance For?
Due to state laws, automobile insurance is required for anyone who drives an automobile, truck, van, etc., on the main road. While at one time it was an option, vehicle insurance is currently mandatory in all the states, although the limits and amounts vary by state.
How Does it Work?
When you take out an automobile insurance policy, you pay premiums monthly, bi-monthly, quarterly, or annually. In exchange for the premiums, you’re covered for certain limits of insurance. You’ll typically have a deductible, which is the amount you have to pay before the insurance company pays. For instance, if you have a $250 deductible and have repairs costing $2,000, the insurance company will pay the $1,750 after paying the $250.
Different Types of Coverage
Automobile insurance policies offer the following types of coverage.
Collision – This provides coverage if your car hits another car or piece of property. It pays to have your car repaired.
Comprehensive – This provides coverage against hazards that are not other cars, such as deer, birds, storm or hail damage, etc.
Bodily injury liability – This pays for lost wages or medical bills to passengers involved in an accident where you’re at fault.
Property damage liability – This pays for damages to anything you hit with your cars, such as another car or a building.
Uninsured and underinsured motorists – This pays for damages to your or passengers caused by another driver who has no insurance or is underinsured.
Besides being a law, auto/vehicle insurance provides many benefits, including paying for repairs to your car, help with medical bills, and protection against lawsuits when you’re involved in an at-fault auto accident.
Mike Lansford and the friendly and competent staff at Independent Insurance Counselors in Alvin have been serving our family for over 20 years. Having used them for our homeowners, automobile and health insurance needs, they have helped us deal with issues small (fender benders) and large (Hurricane Ike). Mike has offered us good advice on repeated occasions. He is trustworthy, competent, and customer oriented. Highly recommended!
They have been our insurance go to for over 20 years!!!!! Everyone is so helpful!!
We have always been treated as valued customers and they have always found us great rates. They are very helpful in finding out the best solutions to meet your needs.
I have been doing business with Independent Insurance Counselors for many years. I have my home and car insurance through them. They are very efficient and thorough and I would not think of having any other company handle my insurance affairs. They have always done a great job for me.
I have been a happy customer of Independent Insurance Counselors for years now and the staff must certainly be hand picked for knowledge, courtesy, friendliness and among many other fine qualities, their eagerness to stay on top of making sure their customers always have the lowest rates. I have always been that person who feels a bit of resentment paying for a service you never use or hope you never need but with Independent I always feel like my money’s going a long way.
Always great service with a smile.
I've been with Independent Insurance for many, many years and I'd never want to go with any other company. They're unfailingly courteous, professional and friendly. Their customer service is fantastic!
saved me a lot of money and great service
Many markets to choose from. The staff is knowledgeable and looks out for your best interests. Quick response time. Reviews my policy at renewal time and informs me of other options that will save me money!
Went to Independent Ins. Counselors after being with my Ins.co. for 40 yrs.. they changed hands and my premiums went off the charts. They would not work with me. The counselor Rhonna at Independence worked so hard and saved me somewhere around $1,000 a year between my home owners and car policies. Thank you guys.
Very friendly, knowledgeable and helpful. They explained the different coverages to us and then shopped the numerous companies they represent to find us the best deal to meet our needs. We are very satisfied with the service Independent Insurance Counselors provides. They handle our home, auto and life insurance.
Ownership of Agency has been same family and staff for many years with complete regard for their insured clients. One of the last complete, full service, independent insurance agencies still in our area.
J. R. Dick Tyson
Bundled all my insurance needs. Excellent service and support with fair pricing.
ALWAY BEEN THERE FOR US.
When I call and talk to Becky I get great service. I've been talking with her for years. Dedicated %1000.
Got us the coverage we needed.
I was really impressed with how detailed Mike was going over each option individually. When evaluating car insurance in the past, there was no good way to know how different choices affect the premium you pay, but Mike went through methodically and made sure I had the best coverage for the money. I got better coverage for the things I needed (and removed stuff I didn't need) and saved a lot of money.
I had an excellent experience with Independent Insurance Counselors. I am new to Texas and needed to revise my auto insurance to comply with Texas. Rhonna Benbrook was very friendly, professional, and helpful in getting everything taken care of. Thank you Rhonna & Independent Insurance Counselors.
Mike Lansford recently helped us with Medicare Part B and D supplemental insurances. In fact, all of our insurance is through Independent Insurance Counselors. Mike and his staff have always been of great help, and, we have been with them for many years. You cannot go wrong in getting them to assist you with any of your insurance needs.
Mike is a super guy who has been taking care of businesses in the Alvin area for years. I can assure you him and his team will always be there for your insurance needs.
Hometown business. Friendly staff
Fantastic Service, Fantastic Staff! Thank you Independent Insurance Counselors for taking such great care of The Memory Quilt Company!
Great Customer Service!! Highly recommend Mike and his staff. Amber found me a better policy for less money. Win Win!!
I have my insurance , with independent insurance agency for many years, greatservices , friendly atmosphere, I recommend!
Mike and his staff are very welcoming and knowledgeable of the insurance business. We have worked with Bette for many years, personal and business insurance, and she always keeps up with our policies and makes sure our coverage is renewed on time and always send quotes for better pricing each new year. They have a great team and I highly recommend Independent Insurance Counselors.
If I could give 10 stars I would. These are the best people I have ever done business with. They have been taking care of my insurance needs for about 20 years and after Harvy they cane through 110 percent.
I moved from Houston, TX to Alvin, TX. I bought a new modular home and had it set within the city limit. The insurance agent, whom I used for several years before, didn't know what to do to get insurance for a modular home. I contacted Insurance Counselors for help. They knew what to do right from the beginning. In the end I got home owner insurance and flood insurance through Independent Counselors. Since then, I have visited the office on several occasions for other help. Always, everyone has been helpful and courteous. Highly recommended; a 5-Star service.
Good job ! Good people ! Good man !
I highly recommend this business to anyone looking for a committed staff that will work to find you the coverage you need at a price that satisfies your budget. The staff is friendly, efficient, and professional. You can rest assured that you'll leave there knowing your coverage is sufficient and the staff is always ready to answer any questions that you may have at a later date. Go talk to them.
Highly recommend Independent Insurance Counselors. They always go above and beyond to get us the best deal on insurance. Always friendly and always there when you have a question or a problem.
Mike and his Team are great. They will find you the best deal on insurance and make sure you have the best plan in place in case you ever need it. The staff is friendly and Mike always has an open door policy for you to come in and ask questions! They will be my Agent for life!
Mariana was so helpful to lead us through the confusion of finding the best insurance for us to protect our home. Not only did she find us the best benefits, but she also led us to the best rates available for us. She cheerfully answered our many questions and explained what we didn't understand. We are so grateful we walked into the office that day and will certainly return when the need arises. Thank you, Mariana and Independent Insurance Counselors for your excellent service.
A Google User
Knowledgeable. And very easy to work with. No complaints from me.
Mike looked at our insurance costs and saved us a substantial amount of money by changing both our home and auto insurance.I was impressed with his knowledge and have been using his suggestions for some time now.I have recommended his services to several friends and will continue to do so.
They have always been good to me and made things so easy for me looking for other companies that are cheaper and comparing prices for me so I don't have to. Gray company that I can always depend on