Odessa & Midland, TX local insurance agentOne of the most appealing things about doing business with an independent insurance agency is that you have options to find the plans and premiums that best suit your specific situation. That means you will find tailor-made solutions – not one size fits all.

More Choices — Unlike a traditional insurance company, an independent agency represents a variety of insurance options, offering you more selection.

Greater Flexibility — An independent agency can adjust your requirements as they evolve, working to simplify and streamline any insurance changes that may arise – no red tape.

Individual Attention — You can count on personal, customized service from skilled insurance professionals who will take time to provide solid listening skills and focused attention.

Money Savings —Another advantage of using an independent insurance agent is that you will be able to save money. When you look at different choices, you can generally find one that is less than the rest. The independent insurance agent won’t try to make you focus on a particular brand or company and will instead be focused on helping you find the best deal. This will allow you to save money on your premiums and still get a policy that gives you what you need.

Unbiased Advice —Working with an independent agent can also provide you with much needed, unbiased advice. When you work with only one insurance company, they will want you to believe that they are the best option for you. In reality, they may not even be one of the top three choices that you should be looking at. Independent insurance agents are very knowledgeable about the industry and the different companies that exist in the marketplace. They have worked with customers in the past and have a good idea of which companies have the best track record when it comes to pleasing their customers. They can narrow your options down and help you choose between the best insurance companies in the market.

Help with Claims —If you have an insurance claim, an independent agent will most likely help you with the process. Since they do not work for a particular insurance company, they do not have to go by the strict protocol that company agents do. Even though the insurance company will most likely send in an adjuster to look at your loss, you have an agent that will be working for you. If you have a trained professional working for you, instead of the insurance company, you will get a fair settlement that puts you back where you were prior to your loss.

Many independent insurance agents have well established businesses that represent a respected name in the communities they serve. If you’re working with an independent insurance agency that has been established for 25 or 35 years, you can feel confident you’re working with people you can count on. Contact us for auto, home or business insurance.

Rideshare Insurance Odessa and Midland, TexasSince companies like Uber and Lyft have grown in popularity, auto insurance companies have expanded their efforts to meet the demand from drivers for full coverage. Typically, these policies cover personal use and add coverage for at least part of the time that frivers are signed in to a ridesharing app.

Texas Rideshare Insurance – Texas is one of rideshare’s top markets. Contact your insurance agent about rideshare insurance options and best possible rates.

Here are some smart first steps to take when selecting rideshare insurance:

  • If you have not done so already, tell your personal auto insurance agent you’re driving for a ridesharing company. If you don’t, the insurer could find out anyway and then cancel your personal policy.
  • If the ridesharing company you’re driving for offers coverage, call to figure out the gaps between your personal policy and their policy. Bigger ridesharing companies generally provide at least $1 million in liability coverage for drivers carrying passengers, although policies can vary for rideshare drivers who don’t have passengers in the car.
  • Reach out to your current insurer to see whether they offer ridesharing insurance or commercial insurance to fill in coverage gaps. Ridesharing insurance policies are generally more cost-effective than commercial insurance, which can cost up to 10 times as much as personal car insurance.

A Rideshare Issue

The insurance issue about rideshare comes from the fact that rideshare is considered “for-hire”, therefore considered to violate personal auto insurance terms of conditions. Uber and Lyft both carry their own commercial insurance but the problem is that the insurance is not primary in some instances. The “grey area” is when you are online with Lyft and Uber but with no passengers in the car. Many are calling this “period 1” coverage.

If you’re a rideshare driver and your state doesn’t yet have a ridesharing insurance program, be aware that that coverage is expanding quickly. As states continue to regulate ridesharing, it’s likely that other companies will fall in line, giving drivers even more options.