Get Auto Insurance in Marshall Texas
What's the right insurance, though?
An auto insurance quote in less than 15 minutes? It takes us longer... and you will be glad it did!
We represent a lot of insurance companies… we ask each to give you their best deal.
We ask a few more questions… but we do it to build the best policy with the best price and coverage for you.
Don’t you think it is important that we take the time you deserve?
Just between you and me, I think you deserve more than 15 minutes of our time.
From the brand new to the really used, we can help protect you and your family. We do care about your cars, but I shake the hand of the driver, not the car’s tires!!
With just a few extra questions and lots more effort on our part, we can steer you to the best insurance policy to protect your family and vehicles.
By asking a few more questions, we at SIG Insurance Services can make sure you are covered, and you will not have so many questions at claim time.
The Right Auto Insurance at the Right Price
You are unique. Don’t you think it is time your auto insurance was too?
You can be assured that we'll help you choose the right coverage. We don't offer a one-size-fits-all car insurance policy. Instead, we work with you to help you determine the coverage you need to create an auto insurance policy customized just for you. Because we represent so many auto insurance companies, we have the ability to shop the spectrum of companies available to you to find the best provider based on your needs. We understand your need to obtain solid coverage while keeping your cost reasonable. Instead of spending your time and energy shopping, let us do it for you.
Service after the Sale
When SIG works for you, our dedication goes well beyond the effort to find you the best deal. Anybody can give you a price, but can they give you service? We do. The best deal means very little if we are not there for you during the policy to service it and help with claims. We want to write your business, serve your business, and keep your business.
Insight and Guidance
|We’re your one-stop-shop for all your insurance needs. Additionally, we strive to handle all your policy service and claims needs. You call US not a 1-800 number.||We work for you and not the company. Your SIG agent and staff work with your carrier to always provide prompt service. We are always a phone call away. You will have the ability to contact your agent 24/7.||Your SIG agent has spent the time and energy building a strong, trustworthy, and knowledgeable business. We put all of our products, resources, and experience at your disposal.|
Types of Auto Coverage
Uninsured/Underinsured Motorist coverage
Personal Injury Protection
Need help choosing the right car insurance?
That's where we come in. Car insurance isn't the simplest thing to understand. Between legal requirements, optional coverage, deductible choices, and different coverage levels, it's not always easy to figure out how to choose the best auto insurance policy. But at SIG, we live it. Work with your SIG agent to choose the coverage combinations that provide the best auto insurance coverage at a price that fits your budget.
Common Auto Insurance Coverage
|BODILY INJURY LIABILITY||Covers expenses related to the injury or death of another driver or a pedestrian when an accident is your fault.||$30,000 limit per person/$60,000 limit per accident|
|PROPERTY DAMAGE LIABILITY||Covers expenses related to the damage of another person's property—like vehicles, homes, buildings and other structures—when an accident is your fault.||$25,000 limit|
|UNINSURED AND UNDERINSURED MOTORIST||Covers medical expenses if you're in an accident, the other driver is at fault, and they don't have any insurance.||OPTIONAL|
|MEDICAL PAYMENTS||If you and/or your passengers are hurt in an accident, this can cover your medical or funeral expenses.||OPTIONAL|
|PERSONAL INJURY PROTECTION||If you and/or your passengers are hurt in an accident, this can cover your medical bills plus related expenses like income continuation.||OPTIONAL|
|COMPREHENSIVE||Covers expenses to repair or replace your vehicle that's been damaged in situations like thefts or storms.||OPTIONAL|
|COLLISION||Covers expenses to repair or replace your vehicle that's been damaged in an accident.||OPTIONAL|
|RENTAL REIMBURSEMENT||Provides 24/7 access to roadside assistance.||OPTIONAL|
|TOWING & ROADSIDE ASSISTANCE||Provides a rental vehicle for your use after an accident.||OPTIONAL|
Automobile Insurance Made Easy
(TDI publication, February 2014)
Texas law requires people who drive in Texas to pay for the accidents they cause. Most drivers do this by buying auto liability insurance. Liability insurance pays to repair or replace the other driver’s car and pays other people’s medical expenses when you are at fault in an accident.
If you buy insurance to meet the state’s financial responsibility law, you must buy at least the minimum amount. The current minimum liability limits are $30,000 for each injured person, up to a total of $60,000 per accident, and $25,000 for property damage per accident. This basic coverage is called 30/60/25 coverage.
Because of car prices and the high cost of medical care, the minimum amounts might not be enough to pay all of the other driver’s costs if you’re in an accident. Other drivers could sue you to collect the difference. Consider buying more than the basic limits to protect yourself financially.
Liability insurance doesn’t pay to repair or replace your car or to treat your injuries. Consider buying other types of coverage – such as medical payments, collision, and comprehensive – to pay for these expenses.
Proof of Financial Responsibility
When you buy an auto policy, your insurance company will send you a proof-of-insurance card. You must show your current card when you…
Are asked for it by a police officer
Have an accident
Register your car or renew its registration
Get or renew your driver’s license
Have your car inspected
The penalties for violating the state’s financial responsibility laws are:
First offense: fine of $175 to $350
Additional offenses: fine of $350 to $1,000, suspension of your driver’s license, and impoundment of your car
Offense without a driver’s license: $2,000 maximum fine, 180 days in jail, or both
Offense if you cause an accident with serious injuries or death: $4,000 maximum fine, one year in jail, or both.
Know Your Rights
Texas has a Consumer Bill of Rights for auto insurance. Your insurance company must send you a copy with your policy. Read it to understand your rights under Texas law.
Auto Insurance Coverages
Depending on the types of coverage you have, auto insurance pays for car repair or replacement, medical expenses, rental cars, towing, court costs, and other expenses.
Read your policy carefully because coverages vary. Pay special attention to who is covered under your policy and to the exclusions, which lists the things your policy doesn’t cover. The following are common limitations or exclusions you might find on your policy:
Named driver - Some policies only cover household residents who are specifically named on the policy.
Excluded driver - Excludes coverage for people specifically named in an endorsement that may be attached to your policy.
Business use - Excludes coverage if you use your car for business, such as pizza or newspaper delivery.
Racing - Excludes coverage if you use your car in a racing event.
Intentional acts - Excludes coverage for losses that were intentional.
The front page of your policy – called the declarations or dec page – shows the exact name of your insurance company, your policy number, and the amount of each of your coverages and deductibles.
Note: The deductible is the amount you must pay before the insurance company will pay. For example, if you have a claim for $1,000 and a deductible of $300, the insurance company will automatically deduct $300 from the amount it will pay you.
Many insurance companies use the Texas Personal Automobile Policy, a standardized policy form that offers eight types of coverages. Companies sell other policies that the Texas Department of Insurance has approved. Although your coverages and policy terms may be different from these, this summary can help you understand the basic eight coverages.
1. Liability Coverage (Basic liability coverage meets the state’s financial responsibility requirement).
What it pays: The following expenses, up to your policy’s dollar limits, for the people in the other car involved in an accident that you or someone covered by your policy caused:
Medical and funeral costs, lost wages, and compensation for pain and suffering
Car repair or replacement costs
Car rental while the other driver’s car is being repaired
Punitive damages awarded by a court
Liability insurance also pays your attorney fees if someone sues you because of the accident. If you are arrested following an accident, liability insurance will pay up to $250 for bail.
Who it covers:
You and your family members. (Family members include anyone living in your home related to you by blood, marriage, or adoption. This includes your spouse, children, in-laws, adopted children, and foster children.)
Other people driving your car with your permission
Family members attending school away from home
Spouses living elsewhere during a martial separation might be covered
You and your family members might be covered when driving someone else’s car – including a rental car – but not a car that you don’t own but have regular access to, such as a company car.
Some policies won’t cover other people who are residents of your household, including family members unless they’re specifically named in the policy. Your policy’s declarations page should list the names of all of the people the policy covers.
2. Collision (damage to your car) Coverage
If you still owe money on your car, your lender will require you to have collision and comprehensive coverages.
What it pays: The cost of repairing or replacing your car after an accident. You will only receive the amount of your car’s actual cash value, minus your deductible. Actual cash value is the market value of a car like yours without damages.
Who it covers: You, your family members, passengers in your car, and others driving your car with your permission.
3. Comprehensive (other than collision) Coverage
If you still owe money on your car, your lender will require you to have collision and comprehensive coverage.
What it pays: The cost of replacing or repairing your car if it is stolen or damaged by fire, vandalism, hail, falling objects, or an event other than a collision. Comprehensive coverage also pays for a rental car or other temporary transportation if your car is stolen. Your policy won’t pay for an auto theft unless you report it to police.
Payment is limited to your car’s actual cash value, minus your deductible.
4. Medical Payments Coverage
What it pays: Your medical and funeral bills resulting from accidents, including an accident involving a pedestrian or bicyclist.
Who it covers: You, your family members, and passengers in your car, regardless of who caused the accident.
5. Personal Injury Protection (PIP) Coverage
What it pays: Same as medical payments coverage, plus 80 percent of lost income and the cost of hiring a caregiver for an injured person.
Who it covers: You, your family members, and passengers in your car, regardless of who caused the accident.
An insurance company must offer you $2,500 in PIP, but you can buy more. If you don’t want PIP, you must reject it in writing.
6. Uninsured/Underinsured Motorist (UM/UIM) Coverage
What it pays: Your expenses from an accident caused by an uninsured motorist, a motorist who did not have enough insurance or a hit-and-run driver. Also pays for personal property that was damaged in your car.
There is an automatic $250 deductible, which means you must pay the first $250 of the expenses yourself before the company will begin to pay.
There are two types of UM/UIM coverage:
Bodily injury UM/UIM - pays for medical bills, lost wages, pain and suffering, disfigurement, and permanent or partial disability. There is not a deductible with this type.
Property damage UM/UIM - pays for auto repairs, a rental car, and damage to items in your car.
Who it covers: You, your family members, passengers in your car, and others driving your car with your permission.
Insurance companies must offer UM/UIM coverage. If you don’t want it, you must reject it in writing.
Towing and Labor Coverage
What it pays: Towing charges when your car can’t be driven. Also pays labor charges, such as changing a flat tire or jump-starting your battery.
Rental Reimbursement Coverage
What it pays: A set daily amount for a rental car if your car is stolen or is being repaired. Your company only pays for repairs that were caused by an event – such as fire or theft – that your policy covers.
You may buy other coverages for an additional premium to cover items in your car, new or additional cars, rental cars, or driving in Mexico.
Your policy won’t pay for CDs, MP3 players, cell phones, citizen band radios, or stereo equipment not installed in your car.
New or Additional Cars
If you buy another car, your policy might automatically cover it with certain limitations. Read your policy or ask your agent to find out if you have this coverage.
Insurance companies must give additional cars the same amount of coverage as your car with the most coverage. For example, if you have two cars – one with liability coverage only and one with liability, collision, and comprehensive coverages – and you buy a third car, the third car will automatically have liability, collision, and comprehensive coverage.
Insurance companies will give replacement cars the same coverage as the car it replaced. For example, if you trade in an older car that only had liability coverage, the new car will automatically have only liability coverage.
Be sure to tell your insurance company within 30 days that you have added or replaced a car and which coverages you want. You could lose coverage on an additional or replacement car if you wait longer to tell your insurance company.
Rental car agencies offer collision damage waivers and liability policies. The collision damage waiver isn’t insurance. It is an agreement that the rental company won’t, with certain exceptions, try to make you pay for any damage to a car you rent.
If you have auto insurance, your policy may already cover damage to a rental car, but the coverage might be less than the value of a rental car. Read your policy to know what’s covered and the coverage limits. If your coverage limit is too low, consider increasing it. You will pay more in premium, but it might be cheaper than buying additional coverage through the rental agency, especially if you rent cars often. If you aren’t sure if your policy covers damage to a rental car, ask your agent before you rent the car.
If you don’t own a car, but borrow or rent cars often, you can buy a non-owner liability policy. A non-owner policy pays for damages and injuries you cause when driving a borrowed or rented car, but it doesn’t pay for your injuries or damage to the car you are driving.
How much coverage do I need?
Consider the following when selecting car insurance coverage:
- You and your assets
- What you drive
- How and when you drive
- Other drivers
- Who is in the car with you
What do I have to buy?
Interpretation: Cutting Cost vs Cutting Corners
Let’s cut to the chase. We know insurance. We also know times are tough and money is tight. And we would like to know you, so we can determine the best coverage for your budget. Haven’t we mentioned you are special and unique and deserving of our time and energy? Yes, you are. So we will take the time to learn about you, your needs, and your budget.
Before you cut coverage to simply lower the price of your insurance premium, we suggest you take the time to learn more about the different coverages available before you alter your policy’s protection. Once you have a clearer understanding, you can better determine what limits and/or types of coverage you need. The task is not impossible, but I suggest you let us help you with the process and save yourself the chore. There are many variables and factors to consider about your particular needs and risk level. We can quickly walk you through a conversation that will help determine your needs. Many times we can save you money and spend the reduced premium to better reflect your exposure. So, in essence, what we do is save you money and more wisely spend the reduced sum.
Auto Insurance FAQ
Tips to help evaluate your current auto insurance coverage
First thing is to dig out your current policy declaration page. It will have an itemized breakdown of the cost for the different coverages afforded by the policy. HINT: If you do not see a dollar cost associated with a coverage, then you do not have that coverage. Do not be surprised once you examine your policy that you do not have coverages you thought you had. I am amazed at how many folks think they have coverages, only to learn that they do not.
How much liability car insurance do I need?
As much as you can afford. Liability is the single most important coverage of your auto policy, especially if you have a lot of assets to protect. What's more, a big increase in protection translates into a relatively small increase in your premium. So you get a lot more security for a little extra cash. Many people think the cost of liability is high. It is not in comparison to other coverages and their relative cost. Again, buy as much liability as you can afford.
Do I need medical payments or PIP coverage?
It depends. If you have good health insurance, you may not. Many of the same events that medical payments covers will already be covered by your health plan. On the other hand, passengers in your car (other than family members) usually won't be covered by your health insurance but will be under a medical payments policy. You will sign a form declining this coverage.
Do I need uninsured and underinsured motorist coverage?
Yes, yes, and yes. I am amazed at how many people think they do not need it. One in seven accidents involves a party who does not have liability insurance. Yes, your auto will provide for the physical damage if you have collision coverage, and yes your health insurance may also provide coverage. But when you considering the cost of coverage, your deductible and out of pocket limits from your health plan, as well as your collision deductible, and the fact that passengers not covered by your health plan are not covered, it seems rather foolish not to buy the coverage. We recommend you carry the same levels of these coverages as you do in liability. The cost is minimal.
How high should I set my deductible?
Higher deductibles lower your monthly insurance rates, but they increase the amount you pay out-of-pocket in the event of a loss. The deductible you choose is the amount you agree to pay when you use your collision coverage, regardless of fault. So it's very important to assess how much you can afford to pay on short notice and use that to determine your deductible. A small increase in your deductible can allow you to make a big increase in more important coverages, like liability. Remember collision only pays when you are at fault and want your car repaired. If you look at your premium breakdown, you will notice that collision is many times the most expensive coverage afforded by your policy. So if you have solid driving habits and want to save real money, this is the first place to look. Note: $500 deductible is the best bang for your buck. Deductibles lower than $500 will cost you a lot, and deductibles above $500 do not really save you any money.
If you drive an older car, you can consider dropping your collision coverage. A break-even analysis can help you here too. If you drive a $5,000 car, and dropping your collision coverage would save you $800 a year, you’d have to go more than six years without a wreck to break even. One more thing to think about before you drop collision coverage: if you total your car in a wreck that’s your fault, you won’t receive any money from the insurance company to buy a new one.
A note on comprehensive coverage: some companies will allow you to carry it without collision. Comprehensive coverage is great; it pays for those incidents that are not necessarily your fault. The cost for the coverage is reasonable. Again, on older cars it may be wise to forgo the coverage when you consider the cost of coverage vs the potential value of the vehicle.
Rental reimbursement is a very misunderstood coverage. Still the overall cost is minimal, and that is because it is seldom used. If a third party is at fault, their liability will pay for a rental car. If the party at fault does not have insurance, then your UM/UI coverage will provide the rental car. Rental only pays when it is a collision or comprehensive claim. Besides, many times, you have more vehicles than drivers or can make arrangements while your auto is in the repair shop. Again, the coverage is minimal and many times clients are more concerned with the potential inconvenience of no coverage and not the price tag of the coverage.
Nice to have, but when you consider the cost and the likelihood of using it, it may be best to forgo the coverage. Again, the cost is minimal. But how often do you tow your auto?
Other Factors to consider:
Every driver is different, and everyone's auto insurance needs vary based on a number of factors. Whether it's simple liability or full coverage, SIG recommends consumers purchase the insurance package that best fits their personal requirements. We can spend a great deal of time customizing your insurance policy so that we get the biggest bang for your buck. Up to now, we have spent time considering the cost of your insurance, but we have not considered how you affect the rate you pay. You affect the cost of your insurance more than anything else, followed by the type of car you drive and where you live.
Here are some factors that can impact your insurance premium:
Type of vehicle
Vehicle safety rating
Anti-theft features (i.e., cut-off switches, computer chip keyed ignitions, etc.)
Age of vehicle
Location of vehicle
Good Driver discounts
Good Student discounts
Accidents and theft
Estimated annual vehicle mileage
Ease of repair or replacement for damaged vehicle
Natural disaster claims for the location
National averages for injury cost
Professional / Association discounts
What are my driving habits (record)?
History has a way of repeating itself. A driving record littered with broken headlights, dented doors, and bent bumpers may require complete insurance coverage. Additionally, drivers who make long daily commutes on dangerous, busy stretches of road may also want to increase insurance coverage to protect against possible collisions. Insurance companies will pay for your losses, but they will also charge you more going forward.
Where do I live?
Location. Location. Location. Take your environment into consideration when choosing your level of protection. If you live in an area with high auto theft and vandalism rates, then having comprehensive coverage may be more of a necessity than if you reside in a quiet neighborhood and are able to park your vehicle in an enclosed garage. Additionally, extreme weather and urban areas with lots of traffic increase the likelihood of claims.
What type of car do I drive?
If you drive a high performance or an expensive car, the cost of insurance will be more than if you drove older economy cars. Domestic cars tend to be cheaper to insure compared to foreign cars. A basic rule of thumb is the more costly or unique the car, the more the insurance will cost. If you are considering purchasing or leasing a new auto, discuss your plans with us ahead of time. We can check the safety ratings of the vehicle, which will often impact your premium. In addition, some or all of these factors may affect your premium favorably: better than average vehicle safety record, unpopularity among auto thieves, and the addition of anti-theft devices.
How frequently do I drive my vehicle?
Do you commute daily or just use your car on weekends? How much mileage do you put on your car per month? The more you drive, the more likely you are to get into an accident. Take this into consideration when evaluating how much auto insurance you need. Besides how often you drive the car, where you drive it affects the potential cost too. If you live in Dallas, you can expect to pay more as you are around a lot more cars than you are in a smaller town.
Who uses my vehicle?
Is it a family car? Do multiple drivers use it? Not everyone may be as experienced as you, so consider who else will be driving your vehicle before purchasing auto insurance. Liability may be enough protection for you, but is it enough for your teenage son or daughter?
How much do I have to protect?
If you own a home, have multiple vehicles, and there will be teenage drivers using your vehicles, you will probably want a lot more coverage because you have more to lose in a serious accident. Conversely, if you rent an apartment and own an older car, you may not need as much coverage.
Our Auto Insurance Service Covers:
Standard auto coverage
Non-standard auto coverage
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