San Antonio Auto Insurance
Covering all Makes & Models of Cars, Trucks, and More
Your Safety and well-being are our priority at Almendariz Insurance. That’s why we have made temporary policy changes regarding auto insurance. We understand due to COVID-19 many of you are being asked to use your personal vehicles to make deliveries. We will now cover all business uses of personal vehicles even on our personal automotive insurance policies to keep you covered.
We are here for you during these turbulent times. If you have any questions or concerns concerning your existing policy, or if you are looking for coverage designed around you, please don’t hesitate to call us at (210)-301-1640.
Liability, property damage, personal injury protection, the other guy’s insurance… all play a role in your comprehensive policy decisions. What about your own risk tolerance? Acceptable coverage for some is too risky for others. Whether you are covering teens or seasoned drivers, everyone risks an eventual accident.
About Almendariz Insurance Auto Insurance Division
Almendariz Insurance is a local family-owned business with young drivers of their own! Fernando Almendariz backed into the auto insurance business when he saw a pattern of agencies selling what is profitable over what is right for each driver. Just because one of the big companies covered something obscure doesn’t mean they are right for your family, right now. That’s why Almendariz maintains active relationships with multiple reputable and well-rated insurance underwriters. Because at the end of the day, it’s all about you. Call today at (210) 301-1640 and put us to work for you.
Ask the Right Questions
- Will your auto insurance agency shop your policy with multiple carriers or are they “captive” and only able to offer policies from one company?
- Will your auto insurance agency take the time to ask you all the right questions to make sure you get the best auto coverage for what you are willing and able to invest?
- How old are the drivers in your home? Does everyone drive every vehicle?
- How is your driving record? How about other family members?
- How does marital status and driving-age children affect coverage?
- What are the values and safety ratings of your vehicles?
- Are aftermarket improvements like headers or leather interiors covered?
- What if you own a classic car, how is that insured?
- Do you own ATV’s or other recreational vehicles?
Basic coverage that is required by state law to maintain. It is broken up into 2 categories: Bodily Injury and Property Damage. However, you will find it in a 3 tier format. Bodily injury/Total Bodily Injury/Property Damage. The first will define the individual limit while the second tier will define the total paid with more than one party involved. Third tier will define the amount paid toward the damaged vehicle/property.
Underinsured motorist and uninsured motorist plays a role for the other driver without insurance or with low limits. Accidents that have a high dollar claim will look into this coverage as the liability coverage is exhausted. This will come into the picture when a high-end vehicle is victim to a less-expensive vehicle that happens to have limits less than the high-end vehicles worth.
Comprehensive coverage is usually deductible based. It handles damages ranging from vandalism to acts of God. Broken windshields, graffiti, or a stolen radio are some examples of covered items. Depending on severity, the deductible may be less than the replacement of the damages and keeping an open-mind to filing a claim or simply self indemnifying are a couple options. Commercial auto goes a step further to include business related articles. Depending on the nature and usage of the vehicle will determine the a suitable limit.
This coverage takes care of the vehicle when it comes to at-fault accidents. Typically, leinholders request a set deductible in the event it turns into a complete loss. Even if there is no lienholder, it can benefit the owner by not paying a large lump sum. Deductibles are in multiples of $250 or $500 but largely dependent on the carrier’s preference.
Combined Single Limit (CSL) is a term used for commercial auto. It encompass all of the descriptions listed above, but into a combined limit. Separate categories are still defined, however, they are pooled based on the CSL instead of that categories limit. This is especially useful when large limits are necessary and the categorized method does not suffice.
Towing a trailer can fall under liability coverage without having it insured. If accidents occurs and a trailer is not reported as an additional item, it would not be replaced or repaired by the carrier. Any damage by the trailer to another party would be covered under the liability if it were at fault. In such cases, it would benefit to add a trailer onto the auto policy. Light duty and limited may not be worthwhile but being mindful of possible outcomes is always important when towing a trailer.
Are My After-Market Modifications Covered? How About My Bike?
Whether boosting performance or just making your car or truck more comfortable aftermarket improvements like headers, custom wheels, sunroofs, and leather interiors, you need to know if your ride is covered in the event of an accident. For most policies, some improvements are automatically covered. Ideally, wheel upgrades or stereo equipment to boost the listening qualify become part of the vehicle and will be covered – less the deductible – under comprehensive coverage.
Even an avid bike rider who installs a roof rack on the top of their car, can benefit in knowing if the bicycle being hauled is protected under the auto insurance policy.
Should I Get Roadside Protection?
Little things go a long way, like including roadside assistance for that night when your daughter calls to say her car’s tire blew out and she’s stranded 51 miles away from home.
That call to the insurance company to have a tow truck pick her and the vehicle up gives time for that young driver to reflect on how the outcome could have been worse, but at the same time the parent has peace of mind that car and child will be brought home safe and sound. Even though it is a small cost, on a lonely sideroad, it’s more precious than gold.
Honesty Is Your Best Policy
Cost seems to always be a sticking point on auto insurance decisions. Many do not understand why the rates can get so high and have a hard time accepting the truth. When it comes to insurance, honesty is the best policy. Unfortunately, many try to hide a history that is recorded and can haunt an individual for a while but can improve over time. For example, when a driver has a DWI/DUI, several speeding tickets, and a suspended license, chances are the premium will be through the roof. It makes it even more difficult to find a carrier to accept them. Does a spotty driving record make that person a “bad” driver? Not necessarily. It may mean that the individual may benefit from taking a defensive driving class or other driver education that can help. But it definitely means we need to take another look at the policy as the record improves. Call today at (210) 301-1640 and put us to work getting the best deal for you.