How Comprehensive Auto Insurance Protects Your Quinlan Vehicle from Flood, Hail, and Twisters

Texas families have a strong sense of community where loved ones and friends often gather for backyard barbecues. However, a recent surge in extreme weather patterns, including blazing hot sun, record-breaking temperatures, and nearby hurricanes, can suddenly unleash nature’s fury, threatening the tranquility of home and automobile owners. 

Trusted insurance professionals at Slaughter Insurance Agency in Quinlan, TX, can help safeguard your family from the devastating effects of damaging storms that cause flooding, hail, twisters, and coastal hurricanes. 

Protect Your Automobile from Weather Damage

Comprehensive auto insurance adds a secure layer of financial protection against various perils – including those caused by Mother Nature’s wrath. Full-coverage insurance can shield policyholders against the high costs associated with collision and non-collision-related events. 

Natural Disasters and Weather-Related Events

Natural disasters can strike without warning and leave a trail of emotional and financial devastation in their wake. Severe weather systems can spawn hurricanes and twisters that drench local neighborhoods in flash floodwaters or storm surges that can reach inland for miles. 

Windstorms and lightning strikes can cause physical damage to homes and automobiles when falling debris is launched at high speeds. Electrical damage can result from lightning strikes that spark electrical lines and transformers. 

  • Flood Damage: Protect your car from significant water damage caused by floods. 
  • Hail Damage: Repair or replace components of your auto affected by hail damage. 
  • Fallen Debris: Shield your auto from fallen debris left behind by devastating twisters. 

Non-Collision-Related Protections

  • Animal Collision Coverage 
  • Theft and Vandalism Coverage
  • Civil Disturbance Coverage

Don’t wait until the inevitable happens, and it’s too late to get comprehensive coverage! 

Contact the licensed and friendly insurance experts at Slaughter Insurance Agency in Quinlan, TX, to get a comprehensive auto insurance quote today! 

Do I need special auto insurance to complete freelance food deliveries?

Food deliveries through apps like Uber Eats and DoorDash offer a nice, effective way to earn a little extra cash on the side. However, before you or someone in your household signs up for food deliveries, you want to make sure that you are properly protected in the event you are in a car accident when or just after delivering food. The following is a look at some important things you’ll want to consider when it comes to Quinlan, TX auto insurance and food deliveries in your vehicle:

Do I Need Special Auto Insurance to Complete Freelance Food Deliveries?

The short answer is yes; if you want to be fully insured by a policy from our team at Slaughter Insurance Agency or another Texas insurance company, you will need to ensure you add the correct endorsement to your vehicle. This is because personal auto insurance policies alone will not cover drivers in the event they are completing a commercial activity, such as food delivery. 

The good news is that you can add a special, inexpensive auto insurance endorsement that will offer coverage for accidents and damages that occur when you are using your vehicle for work. You can also opt to switch to a more comprehensive commercial auto insurance for full protection. Some of the delivery platforms will also provide limited insurance coverage when drivers are actively engaged in delivery work — this means their insurance policy will cover any accidents that occur when customer food is in your vehicle, but you will need your own insurance to cover any accident that occurs when driving to receive food or following drop-off.

Learn More With Slaughter Insurance Agency

For more information about auto insurance and getting the right policy for your Quinlan, TX needs, give our team at Slaughter Insurance Agency a call!

Tips to improve your gas mileage

Gas mileage is an important factor to consider when it comes to car ownership. Not only does it affect the amount of money you spend on gas each month here in the Quinlan, TX area, but also your environmental footprint. Here are a few tips from us at Slaughter Insurance Agency that can help you improve your gas mileage.

Tips to improve your gas mileage

1. Drive Smoothly  

Avoid sudden accelerations and hard braking. This can help keep your engine running more efficiently, thus improving your gas mileage.

2. Maintain Your Car Regularly

Make sure you are keeping up with routine maintenance such as oil changes, tire pressure checks, and replacing air filters regularly. A well-maintained car runs more efficiently and will use less fuel than one that isn’t properly cared for. 

3. Choose the Right Gas

Use the grade of gasoline recommended by the manufacturer for optimal performance and improved fuel efficiency of your vehicle. 

4. Reduce Speed

Driving at high speeds decreases fuel efficiency significantly; this is because wind resistance increases as speed increases, meaning that more energy is required to power the car at higher speeds than lower ones. 

5. Minimize Unnecessary Weight & Drag

If you’re carrying items on top of your car or in its trunk, make sure they are secured tightly so they don’t create unnecessary drag that can decrease fuel efficiency. You should also avoid carrying around items that aren’t necessary and remove any rooftop cargo boxes when not in use to reduce drag and increase fuel economy further. 

Give Us A Call

By following these simple tips, you can save yourself money while also helping reduce emissions by improving your car’s gas mileage! For more tips, call us at Slaughter Insurance Agency today. We proudly serve the Quinlan, TX area.

Does an Older Vehicle Need Full Coverage Insurance?

The right insurance coverage for your vehicle is essential to help protect you from loss and risks. Whether you own a new or an older vehicle, you need insurance to meet state requirements, but how much do you need for older vehicles? Residents of Quinlan, TX can count on Slaughter Insurance Agency to help them determine how much they need. 

Insuring an Older Vehicle

If you own an older vehicle, you may be able to reduce the level of auto coverage you have. It’s worth noting, however, that it may not be a good choice for everyone. If your vehicle is older than ten years and has a value of less than $5,000, you might opt to carry liability coverage only. On the other hand, if you have an older vehicle with a higher value or collectible value and over a few thousand dollars, you might want to keep your full-coverage insurance. This is especially true for vehicles with improvements and modifications. 

If you aren’t sure if you have the right insurance in place, the experts at Slaughter Insurance Agency can help clients determine which options are the best for their current needs and assist them with making any changes if they decide to make them. Our agents work closely with each individual to help them understand their situation and the various options they have to meet their needs. 

Get Started Today

Residents living in or around the Quinlan, TX area should reach out to Slaughter Insurance Agency today to set up a consultation or to speak with one of our highly insightful agents. We go the extra mile to help you understand your coverage and policy options to help you have peace of mind. 

Auto Insurance Myths: Busted!

Your car insurance is one of the most important things you must pay for as a driver. It protects you financially in an accident and can even save your life. Yet, despite its importance, there are still a lot of misconceptions about auto insurance floating around. Slaughter Insurance Agency in Quinlan, TX offers thisg guide on some of the most common myths about auto insurance and help you understand what it does (and doesn’t) cover. 

Auto Insurance Myths: Busted!

Myth 1: Auto Insurance Is Only for Accidents

This is one of the most common myths about auto insurance, and it’s simply not true. While your auto insurance will certainly provide coverage in an accident, it also protects against theft, vandalism, weather damage, and more. So, even if you never get into an accident, your auto insurance is still working hard to protect your car.

Myth 2: My Insurance Will Cover Any Damage to My Car

Again, this is not true. What is covered depends on your insurance policy, but in general, only damage caused by accidents or other covered events will be reimbursed by your insurer. Things like wear and tear, or damage caused by poor maintenance, are not generally covered.

Myth 3: Your State’s Minimum Coverage Is Enough

This is a myth that can have serious consequences. State minimum coverage is the absolute bare minimum amount of insurance you can have, and it’s often not enough to protect you fully in the event of an accident. If you’re at fault in an accident and your damage exceeds your coverage limits, you could be on the hook for a lot of money. It’s always a good idea to get more than the state minimum coverage just to be safe.

There you have it: three of the most common myths about auto insurance, busted! Now that you know the facts, be sure to get the right coverage for your needs. And for all your insurance needs in Quinlan, TX, be sure to contact Slaughter Insurance Agency. We’re here to help you get the protection you need at a price you can afford. Call us today for a free quote.

What can happen if I do not have auto insurance in Texas?

Those that reside in the Quinlan, TX area will find that owning a car is a good investment as it will be a lot easier to get around the community. When you have a car here, you also need to have the right auto insurance in place. If you do not get proper coverage, you could face various different negative consequences. 

No Coverage to Replace Vehicle

One of the risks that you are taking by not getting auto insurance is that you will not have coverage to repair or replace your car. There will always be a chance that you could be a victim of an auto accident, theft, or other situation that results in a loss. If you do not have auto insurance, you will not have the financial support to repair or replace your car.

Face Penalization

If you are not protected with auto insurance, you also could face penalization. Drivers all over the state are required to carry liability insurance, which gives support if you cause an accident that results in damages. If you do not have this form of auto insurance protection, you will not receive this coverage and will also be in violation of state law. This could lead to further penalties including a loss of licensure or fines.

Having an auto insurance plan is a necessity for vehicle owners in the Quinlan, TX area. When you start to look for a new plan, starting with the team with Slaughter Insurance Agency is a great option. With the number of decisions that need to be made when looking for coverage, calling Slaughter Insurance Agency is helpful as they will offer any support needed to build a plan that will offer the right coverage. 

What You Should Do After an Auto Accident

It can be incredibly scary to be involved in an auto accident. Once that initial shock is over, you have calmed down some, and you have made sure that everyone involved is alright, what steps do you take next? Many Quinlan, TX auto owners don’t know, and that’s why we at Slaughter Insurance Agency have put together a brief guide on what steps to take following an auto accident.

Examine Yourself

The first thing you should do is check yourself out and determine if you are injured. If you are, don’t move, and call 9-1-1 immediately. If you feel alright and your vehicle is drivable, move it to the side of the road or somewhere away from traffic. Otherwise, get yourself to a safe location (if you’re able) away from traffic.

Contact the Authorities

Regardless of whether you’re injured or not, the police need to come to the scene of the accident to take witness statements, obtain copies of drivers’ licenses and vehicle registrations, and more. In addition, you will receive a number for the police report, which you may need later if you decide to file a claim with your insurance company.

Swap Information with Other Drivers

It is imperative that you get the information of other drivers involved in the collision. This information includes their names, addresses, phone numbers, and insurance information, all of which is needed when you file a claim with your insurer.

Snap Some Pictures

While the insurance company is likely to take their own photos, it doesn’t hurt to take some pictures of your own. You never know when they may come in handy.

File an Insurance Claim

It can be overwhelming having to deal with the aftermath of an auto accident, especially when it comes to filing an insurance claim. This is why our insurance agents are available to walk you through every step of the claims process if needed.

If you have any questions about what to do when involved in an accident in Quinlan, TX, don’t hesitate to contact our team at Slaughter Insurance Agency.

Car Insurance Basics: Terms You Need to Know

Car insurance is one of those things that we pay very little attention to, until we need it. However, if we need it, that means we’ve been in an accident or something else negative has happened that is causing us to use our insurance, so it’s important that we understand some basic terms about insurance.

Luckily, if you are looking to learn about car insurance terms in Quinlan, TX, the team at Slaughter Insurance Agency can tell you all the terminology that you need to know.

Claim – A claim is a request made by the policy holder to the insurance company to pay for damages incurred to a vehicle, for medical treatments or other costs related to the covered vehicle/policy holder.

Collision Insurance – This coverage pays for damage to your vehicle in the event that it was in an accident (collision).

Comprehensive Insurance – This type of coverage pays for items that are not related to an accident. This can be anything from theft, to a fire or flood, or even a limb falling from a tree during a storm.

Deductible – This is the amount that you must pay before the insurance company will begin to pay towards your claims. For instance, if you get into a collision and your car sustains $5,000 in damage and you have a $500 deductible, your insurance will pay $4,500 towards the repairs.

Insured – The insured is also known as the policy holder. It is the drivers covered by the insurance policy.

Premium – A premium is how much your insurance costs. Premiums are paid either monthly, every six months or once a year. 

Call Slaughter Insurance Agency serving Quinlan, TX today and get all your car insurance questions answered!