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Auto Insurance

Looking for the best Auto Insurance in Mesquite, Auto Insurance in McKinney, Auto Insurance in Garland, Plano or any of the communities in North Texas?

Auto Insurance in Texas

You now have auto insurance choices! Auto Insurance can sometimes be hard to understand. We specialize in "demystifying" the various parts of an auto policy.                         Let us help you make the right choices.

Did you know one of the most important things about an auto insurance quotation is to make sure accurate information is gathered? You don't want to be surprised when you get your bill because someone forgot to ask you detailed questions about your cars, drivers of those cars, driving history, and most importantly the limits of liability that you specifically want to carry. It's also true that you may typically receive discounts when you combine your auto insurance with other policy types such as homeowners insurance and life insurance. Let the experts at Costlow Insurance provide you with the best quotes from our auto insurance carriers. You'll be glad you did.

We also offer Teen Auto Insurance with GPS tracking!

Costlow Insurance, the best quotes from our auto insurance carriers.                                       We offer quick Quotes and Binder coverage for same day service on most autos in Texas.

 
AUTO INSURANCE INFORMATION 

What is auto insurance?

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.   Auto insurance provides property, liability and medical coverage:   Property coverage pays for damage to or theft of your car. Liability coverage pays for your legal responsibility to others for bodily injury or property damage. Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses. An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.   Most auto policies are for six months to a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.

What is covered by a basic auto policy?

	Your auto policy may include six coverages. Each coverage is priced separately.   1. Bodily Injury Liability   This coverage applies to injuries that you, the designated driver or policyholder, cause to someone else. You and family members listed on the policy are also covered when driving someone else’s car with their permission.   It’s very important to have enough liability insurance, because if you are involved in a serious accident, you may be sued for a large sum of money. Definitely consider buying more than the state-required minimum to protect assets such as your home and savings.   2. Medical Payments or Personal Injury Protection (PIP)   This coverage pays for the treatment of injuries to the driver and passengers of the policyholder's car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident. It may also cover funeral costs.   3. Property Damage Liability   This coverage pays for damage you (or someone driving the car with your permission) may cause to someone else's property. Usually, this means damage to someone else’s car, but it also includes damage to lamp posts, telephone poles, fences, buildings or other structures your car hit.   4. Collision   This coverage pays for damage to your car resulting from a collision with another car, object or as a result of flipping over. It also covers damage caused by potholes. Collision coverage is generally sold with a deductible of $250 to $1,000—the higher your deductible, the lower your premium. Even if you are at fault for the accident, your collision coverage will reimburse you for the costs of repairing your car, minus the deductible. If you're not at fault, your insurance company may try to recover the amount they paid you from the other driver’s insurance company. If they are successful, you'll also be reimbursed for the deductible.   5. Comprehensive   This coverage reimburses you for loss due to theft or damage caused by something other than a collision with another car or object, such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot, or contact with animals such as birds or deer.   Comprehensive insurance is usually sold with a $100 to $300 deductible, though you may want to opt for a higher deductible as a way of lowering your premium.   Comprehensive insurance will also reimburse you if your windshield is cracked or shattered. Some companies offer glass coverage with or without a deductible.   6. Uninsured and Underinsured Motorist Coverage   This coverage will reimburse you, a member of your family, or a designated driver if one of you is hit by an uninsured or hit-and-run driver.   Underinsured motorist coverage comes into play when an at-fault driver has insufficient insurance to pay for your total loss. This coverage will also protect you if you are hit as a pedestrian.

our motto...
Insurance Texas Trusts

Other Insurance We Offer: Specialty Insurance
 
                                     See Catagories Below

• Identity Theft Insurance
   
     Identity Theft

  	A recent Federal Trade Commission (FTC) study found that 8.3 million Americans were the victims of identity theft in 2005, and the number is rising. In at least half of the incidents, thieves obtained goods or services worth $500 or less; however in 10 percent of cases, thieves got at least $6,000 worth of goods or services.   Fifty-six percent of all victims were unable to provide any information on how their personal information was stolen. Identity thieves use personal information to impersonate a victim, stealing from bank accounts, establishing phony insurance policies, opening unauthorized credit cards or obtaining unauthorized bank loans.   Use of stolen credit card and debit card numbers is among the most common forms of identity theft, but some schemes use electronic means, including online scams like "phishing," in which thieves use email inquiries purporting to be from financial or other online organizations, to obtain sensitive account information. Others might use more old-fashioned methods, such as “dumpster diving”—rooting around in people’s garbage to collect financial information.   The advent of new, “no-swipe” credit cards that transmit account and user information through radio frequency identification may make it possible, in some cases, for identity thieves to use a simple electronic device to capture the information.   Victims of identity theft are often left unable to use existing credit or obtain a new loan, harassed by debt collectors, are subjects of criminal investigations or civil suits and in some instances arrested.   Identity theft may be covered by insurance. Identity theft protection and resolution service is included in some companies’ homeowner and auto policies at no additional cost. The service provides the consumer with a fraud specialist to assist and guide them through the process of restoring and protecting their identity. Some companies include identity theft coverage as part of their homeowners insurance policy; selling it as either a stand-alone policy or as an endorsement to a homeowners or renters insurance policy. This coverage provides the customer reimbursement for the expenses associated with the identity and credit restoration process including phone bills, lost wages, notary and certified mailing costs, and sometimes attorney fees (with the prior consent of the insurer).
  	Tips for Avoiding Identity Theft Keep the amount of personal information in your purse or wallet to the bare minimum. Avoid carrying additional credit cards, your social security card or passport unless absolutely necessary.   Guard your credit card when making purchases. Shield your hand when using ATM machines or making long distance phone calls with phone cards. Don’t fall prey to “shoulder surfers” who may be nearby.   Always take credit card or ATM receipts. Don’t throw them into public trash containers, leave them on the counter or put them in your shopping bag where they can easily fall out or get stolen.   Proceed with caution when shopping online. Make sure that you are buying from a reputable retailer with a secure network.  Monitor your accounts. Don’t rely on your credit card company or bank to alert you of suspicious activity. Carefully monitor your bank and credit card statements to make sure all transactions are accurate. If you suspect a problem, contact your credit card company or bank immediately. Shred any documents containing personal information such as credit card numbers, bank statements, charge receipts or credit card applications, before disposing of them.  Order a copy of your credit report from each of the three major credit bureaus. A new law that took effect December 1, 2004, entitles you to one free credit report per year. Your credit report contains information on where you work and live, the credit accounts that have been opened in your name, how you pay your bills and whether you've been sued, arrested or filed for bankruptcy. Make sure it's accurate and includes only those activities you've authorized. Place passwords on your credit card, bank and phone accounts. Avoid using easily available information like your mother's maiden name, your birth date, any part of your Social Security number or phone number, or any series of consecutive numbers. If you suspect a problem with your credit card, change your password. Don't give out personal information. Whether on the phone, through the mail or over the Internet, don’t give out any personal information unless you have initiated the contact or are sure you know who you are dealing with and that they have a secure line. Information provided by:  Insurance Information Institute  http://www.iii.org/

• Boat Insurance    http://www.iii.org/individuals/other/insurance/boat    http://www.iii.org/individuals/other/insurance/watercraft   

• Motorcycle Insurance   http://www.iii.org/individuals/other/insurance/motorcycle

• Life Insurance  http://www.iii.org/individuals/life/basics/whybuy   http://www.iii.org/individuals/life/basics/howmuch   http://www.iii.org/individuals/life/basics/major_types

• Health Insurance   http://en.wikipedia.org/wiki/Health_insurance#How_it_works

• Renters Insurance  http://www.iii.org/individuals/other/insurance/renters

• Business Insurance                                                                             http://www.iii.org/individuals/business/

• Mobile Home Insurance   http://www.iii.org/individuals/other/insurance/motorhome

• Comprehensive Personal Liability Insurance 
  This covers you against lawsuits for bodily injury or property damage that you or family members cause to other people. It also pays for damage caused by your pets. So, if your son, daughter or dog accidentally damages your neighbor's property, you are covered. However, if they destroy your property, you are not covered. The liability portion of your policy pays for the cost of defending you in court and any court awards; up to the limits of your policy coverage. You are also covered not just in your home, but elsewhere in the world. 
   
   
  
• ATV Insurance 
  Many motorcycle owners also own all-terrain vehicles (ATVs) and choose not to insure their ATVs because most are not used on public roadways. Nonetheless, ATVs pose many inherent dangers and risks. All-terrain vehicle policies are very similar to those involving motorcycles but cost substantially less. In fact, the average annual ATV policy is priced in the $200 range, a small price to pay for peace of mind.
   
   
  
• RV Insurance
  Recreational Vehicle Insurance is critical because most standard automobile and homeowner policies do not cover you for liability or physical damage to your recreational vehicle. Recreational vehicles include motor homes, campers, ATVs, motorcycles, golf carts and snowmobiles. Recreational Vehicle policies cover you if you are liable for bodily injury or property damage to others as well as damage to your own vehicle.  Optional additional coverage is available for your personal property.  To review your current Recreational Vehicle coverage or to find out more about Recreational Vehicle insurance available through The Costlow Insurance Group, Inc., please contact us. 
              
  Information provided by:  Insurance Information Institute  http://www.iii.org/

 our motto...
Insurance Texas Trusts