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Auto Insurance


Auto insurance has been made mandatory in every state, which is why it’s important to get the policy you need at an affordable price. However, before you start looking for a policy, you should consider several factors like the type of coverage required, the extent of existing loan liability, the vehicle’s existing condition, and so on. All these factors will directly impact the type of policy you purchase and the price you pay for your premiums.

Here are 4 different policy options you can consider before settling on an auto insurance policy:

1. Discounts for Safe Driving and for Being a Good Student

Most insurance companies will offer discounts to drivers who have an impeccable driving record, that is, neither accidents nor infractions nor tickets of any kind. Good student discounts can also be availed, provided the student scores a GPA of at least 3.5 out of a 4.0. While these scores may fluctuate from school to school, the discounts still reflect the students’ hard work in maintaining their grades, implying their responsible outlook towards life resonating with their potentially reliable driving skills. People who have been driving for many years can sign up for an online defensive driving course. Once they complete the course with a passing grade, they too will be eligible for a discount.

2. Multi-car Policies and Bundling Effect

Families with multiple vehicles may earn a discount by insuring all of them under the same policy. It’s also a good idea to opt for bundling your home and auto policies. Combining the multi-car discount with a home and auto bundle reduces the administrative work required to service your policies. Everything is recorded in one convenient location, accompanied by monthly payments to ensure that all of your items are fully covered. Bundling also makes it easier when it comes time to review your policies. All of the information is available right in front of you, making the task fast and simple.

3. PL/PD or Third-Party Liability

PL/PD coverage is the most basic type of auto insurance. It is referred to as third-party liability because it only covers injuries and property damage sustained by the other party. When you choose to purchase this form of liability, you understand that you will not receive any compensation if an accident occurs. The only person or persons who will receive any benefit are those in the other vehicle. Each state has set minimum amounts of coverage that must be met with PL/PD policies. Proof of this insurance must be presented to register and tag your vehicle.

4. Comprehensive Coverage

Comprehensive coverage will take care of a wide range of damages, including theft, collisions, hit and run, and injuries. Most people will drop their coverage from comprehensive to collision insurance as soon as they get their car paid off. While the lien/loan is in place, lenders require the car to be insured under a comprehensive policy that ensures they are compensated if the car is ever damaged or stolen.

These are a few options that you may consider while buying your auto insurance cover. To buy the best auto coverage, contact the experts at The Schwab Agency in Colleyville, Texas. We look forward to getting you covered.

Auto insurance for old cars

You may think that your auto insurance premium would decrease as your vehicle gets older. However, your auto insurance premium is not only determined by the age of your vehicle.

Your premium rate depends on several factors that go beyond the value of your car, including your insurance history, driver’s record, location, and other variables. Here are the reasons why auto insurance for old cars does not decrease:

  • Older cars, especially when not maintained regularly, are often prone to accidents. At the same time, they may not be equipped with the latest safety features that a new model car has. These may lead to requesting claims frequently and increase your premium rate.
  • In case of a collision, the financial liability will remain the same irrespective of your vehicle’s age. Hence, if you have totaled someone’s car or someone has filed a lawsuit against you, the insurer will have to pay the full sum.
  • Besides covering the damage caused to someone else’s vehicle, auto insurance also covers the minor accidents that your car encounters. The cost of repair increases as the vehicle gets older, but your insurance will cover these costs.
  • Also, the cost required for settling medical care, rehabilitation costs, loss of income due to disability, or even funeral expenses in case of accidents mostly remain the same.
  • Not only new cars but older cars are also at risk of theft. In this case, your insurer will have to reimburse you regardless of the age of your vehicle.

In all the above situations, your auto insurance will protect your car and cover the damage. This is why the auto insurance rate does not drop as your vehicle gets older.  To buy the best auto coverage, contact the experts at The Schwab Agency in Colleyville, Texas.  We look forward to getting you covered.

motorcycle maintenance tasks in summer

As the temperature rises and days get hotter, it becomes essential to keep track of all the motorcycle maintenance tasks in summer to ensure that your vehicle is safe and running in good condition.

Here are some of the expert tips for motorcycle maintenance that you need to do in summer.

Replenish All Vital Fluids

It is essential to check all the fluid levels (coolant, engine oil, brake fluid) of your motorcycle. The engine normally generates a lot of heat, and the summer heat can make it worse. This can impact your vehicle’s fluid levels, so check them regularly and replenish if necessary.

Check the Tires

One of the important summer motorcycle maintenance tasks is to check the tire pressure. Make sure not to ride with over-inflated or under-inflated tires, as hot weather and long runs tend to heat and inflate them further.

Clean Your Engine’s Fin

The air-cooled/oil-cooled engines of motorcycles are specifically made to dissipate as much heat as possible. If your bike is not cleaned properly or the fins are dirty, it can be difficult to pass the air through them, and hence the engine heats up significantly. Make sure to clean your engine’s fins to avoid overheating.

Replace the Air filter

Check your air filter regularly as it can become clogged and dirty. Remove debris and replace the filter if necessary.

Check Your Chain

Before you go for a ride on your motorcycle, check its chain. Check it for any signs of damage, and repair or replace if required.

Make sure not to park your motorcycle in sunlight, as continued exposure to sunlight can heat the fuel tank and lead to wastage of fuel due to evaporation.

Get the right automobile insurance policy to keep your motorcycle safe and protected from unexpected incidents. For assistance with all your insurance needs and questions, contact the experts at The Schwab Agency in Colleyville, Texas. We are ready to assist you!

Lady showing key of her car

Coronavirus continues to spread and social distancing is recommended. However, surviving the pandemic does not mean that you cannot buy a new car. Getting a car during the coronavirus outbreak is still possible if you follow the required steps.

Buying a Car During the Coronavirus Pandemic

Many people might be wondering whether purchasing a vehicle during the coronavirus pandemic is possible. However, it is possible to get a car. All you need to do is to follow the safety precautions while buying a car during this pandemic. You need to be well-informed about the safety and security measures you should follow when interacting with others. These include practicing good hand and personal hygiene and wearing personal protective equipment.

The car showrooms might be closed due to the pandemic. In such circumstances, you can contact the retailer to place your order online. You can explore a car online that matches your requirements and budget. Once you have selected the car, you can contact the retailer about the availability. Then, you can place an order and do the paperwork online.

The Auto Market

Naturally, most markets have slowed down a bit due to dealership closures and stay-at-home orders. Due to low sales, several dealerships are offering special deals and discounts on car purchases. Those who are planning to buy a car during this pandemic can expect to get the best deals and huge discounts on their purchases.

After buying a car, get it covered by the right insurance policy to keep it secure. For assistance with all your car insurance needs, contact the experts at The Schwab Agency in Colleyville, Texas. We will help you choose the right insurance that meets your requirements and budget.

teen driver leaning out of car window

When do kids need their own auto insurance?

When your teen first learned how to drive, you probably insured them under your auto insurance policy.  However, as your child gets older and starts making their own way in the world, you may be wondering when they need their own car coverage.  Here’s what you need to know about covering your child on your auto insurance policy.

Typically, insurance providers will let you keep your child on your auto insurance policy as long as they continue to live in your home.  Once the child moves out, then they must secure their own auto insurance policy.  However, there are some exceptions to this residency rule.  If a child is moving away from home to attend college, then most insurance providers will allow them to remain on their parents’ auto policy.  This is because they still consider the parents’ home as the student’s primary address.  The other exception to the rule is children of divorced parents.  In this case, a parent can continue to list their child on their policy even if they only live with them part-time.

In addition to moving out, insurance providers will require children to secure their own auto insurance policies if they have proven themselves to be financially independent.  While each insurance provider has their own definition of financial independence, many insurers consider a child to be financially independent if they own a home or get married.

This is what you need to know about insuring your child on your auto insurance policy.  Do you have additional questions about your car coverage?  If so, then contact the experts at The Schwab Agency in Colleyville, Texas today.

family at beach

Protect yourself with the right insurance this spring break.

As temperatures gradually increase, the promise of spring is in the air.  For many students and families, spring is all about taking a break and setting off on an exciting vacation.  As you plan your spring break trip, make safety a priority with these insurance tips.

  • Homeowners Insurance

Before setting off on your spring vacation, make sure that you review and update your homeowners insurance.  Because your risk for theft increases anytime you leave your home unoccupied, you may want to speak to your insurance provider about increasing your personal property coverage limits.  Additionally, you should make sure that you have adequate coverage to protect against unexpected weather events that could cause damage to your home while you are away.  Depending on where you live, this might mean updating your flood, fire, earthquake, landslide, and/or storm coverage.

  • Auto Insurance

If you are taking a road trip for your spring break, then it’s important that you look over your auto insurance policy.  Because your risk for accidents and vehicular damage increases the more you drive, you may want to increase your policy’s coverage limits in preparation for your road trip.  Additionally, if your trip will take you over state lines, verify that your insurer will offer you the protection you need once you leave your home state.

  • Travel Insurance

Travel insurance is a form of coverage that will protect you from certain financial risks and losses that you may encounter during your travels.  For instance, travel insurance can help you cover the cost of lost luggage, last-minute cancelations, and medical emergencies.  If you are going on a particularly expensive trip or traveling overseas, then you should secure travel insurance to protect yourself from costly losses.

Protect the people and things that you love most with these spring break insurance tips.  Do you need help with your personal insurance?  If so, then contact the experts at The Schwab Agency in Colleyville, Texas.  Our dedicated team is ready to assist you with all your coverage needs today.

wiping down car exterior

Don’t make these car maintenance mistakes.

Unfortunately, many car owners get lazy when it comes to taking care of their vehicles.  While skipping a few service appointments and forgetting to check your oil may not seem like a big deal now, failing to maintain your car can lead to serious and expensive issues in the future.  If you don’t want to run into car issues, then make sure you avoid these car maintenance mistakes.

  • Not Washing Your Car

Many car owners are lazy when it comes to washing their vehicles.  However, allowing dust, dirt, and grime to build up can actually cause your car’s paint to erode.  This can cause your paint to flake off, leaving your car’s metal body susceptible to rust and other damage.  To ensure that this doesn’t happen, you should wash your car regularly and always finish the job with a protective coating of wax.

  • Failing to Check Your Oil

Keeping your car’s oil at the appropriate level is vital to your engine’s performance.  You should check your oil at least once a month to ensure that it is at an acceptable level and isn’t contaminated.  If your oil is very dirty, then it may be time to take your car in for an oil change.

  • Missing Service Appointments

When you take your car in for a routine service appointment, your mechanic will set your dashboard indicator lights to go off the next time that you are due for a check-up.  While it may seem like a waste, it’s important to take your car to the mechanic even if there’s nothing obviously wrong with it.  By keeping up with routine service appointments, you can prevent major issues from developing in the future.

Avoid making these mistakes if you want to take better care of your car.  Remember, having the right auto insurance is another way to protect your vehicles.  For assistance with all your car coverage needs, contact the experts at The Schwab Agency in Colleyville, Texas, today.

couple looking at car insurance on laptop

The benefits of getting a joint auto policy with your significant other.

If you are in a committed relationship, then you and your partner should consider getting a joint auto policy.  While this step isn’t very exciting, it is a good way to advance your relationship while saving money.  Here is what you need to know about joint auto policies.

  • Why Should You Get a Joint Auto Policy?

Joint auto insurance policies are designed to offer coverage to two separate individuals and their vehicles.  Essentially, joint auto insurance is a way for couples to secure the car coverage each partner needs with a single policy.

Up until this point, you and your partner have probably managed your car coverage separately.  However, paying premiums on two separate policies can start to add up.  When you switch over to a joint policy, your household only needs to pay premiums on a single policy. This cuts your installment fees in half and you take advantage of the multi-car and multi-driver discounts most carriers offer. Not only do joint auto insurance policies save you money but, because your auto insurance is consolidated into a single policy, your coverage also becomes easier to manage.

  • Is Joint Auto Insurance Right for Every Couple?

Joint auto policies are best suited for couples where both people have clean driving records and no gaps in their car insurance coverage.  If one or both partners have tickets, traffic violations, or at-fault accidents on their driving record, then joint auto insurance may not be suitable.  This is because the risky driver can end up driving up coverage costs for the more responsible driver.  Additionally, you should not secure a joint policy with your partner if they have poor credit as this, too, could end up making your premiums more expensive.

This is what you need to know about joint auto insurance policies.  Interested in learning more about this car coverage option?  If so, then contact the experts at The Schwab Agency in Colleyville, Texas.   We are ready to get you the coverage that you need today.

dog sticking head our of car window

Take care of your pets as you drive them around.

As a pet owner, you often have to drive with your pets in the car.  While this probably does not seem out of the ordinary for you, it’s important to remember that this task does pose serious risks for your furry friends.  To keep your pets safe in the car, here are some of the precautionary measures that you should take.

  • Transport Pets in a Carrier

While you might hate the idea of putting your pet in a cage, it’s much safer to crate your pets when transporting them.  When you allow your pets to run loose in the car, they are more likely to get thrown into the side of your car or get launched off the seat.  Additionally, your pet may try to sit on you, making it harder to operate your car safely.  When you crate your pets, you can ensure they are confined in a sturdy, safe place that is less susceptible to being jostled or thrown about as you drive.

  • Do Not Transport Pets in the Flatbed of a Truck

Some dog owners like to transport their larger dogs by putting them in the flatbed of their pickup truck.  However, it is important to understand that this is incredibly dangerous.  In fact, several states have outlawed this practice as it causes thousands of pet deaths every year.

  • Do Not Let Your Pets Stick Their Heads Out of the Window

While your pet might love to feel the wind in their fur, it’s actually very dangerous to let your pets hang their heads out of open car windows.  Not only could your pet fall out of the car, but they can also get clipped by passing vehicles or get debris in their eyes.

These are some of the things that you should do to keep your pets safe as you drive.  Looking for the best way to protect yourself and all your passengers?  Then make sure you have the right auto insurance in place.  For assistance with all your car coverage needs, contact the experts at The Schwab Agency in Colleyville, Texas today.

woman getting pulled over by cops

Understanding what SR-22 insurance can do for you.

If you are charged with being uninsured during an auto accident or if you have been convicted of a DUI, then you may be required to show proof of insurance with an SR-22 form.  But what is this form, and why is it important?  Here’s what you need to know.

What is SR-22 Insurance?

You may be required to secure an SR-22 to keep or reinstate your driving privileges after a major offense.  While many people call it “SR-22 insurance,” an SR-22 isn’t actually an insurance policy.  Instead, it is your auto insurer’s guarantee that you have coverage.  With an SR-22 form, your insurance provider informs the Department of Motor Vehicles that you have purchased the minimum liability insurance required under Texas law.  If you are required to secure an SR-22 and fail to do so, then your car registration can be suspended, and your license can be revoked.

How to Get an SR-22

Securing an SR-22 isn’t something that you handle independently.  Instead, the state requires your insurer to submit all insurance information to the DMV electronically.  If you need an SR-22, then all you need to do is ask your insurance provider to file one for you.

Please keep in mind that some insurance providers do not work with SR-22s.  If your insurer doesn’t offer this service, then you will need to switch over to one that does.  Because the violations related to an SR-22 mark you as a risky driver, your insurance provider may cancel your coverage.  At this point, you may have to rely on coverage from a high-risk auto insurer.

This is what you need to know about California SR-22 insurance.  Do you have further questions about this important auto insurance filing?  If so, then contact the experts at The Schwab Agency in Colleyville, Texas.  We are ready to get you the coverage that you need today.

COVID-19 Update:

Due to new increasing cases of Covid-19 our office will be closed to the general public until further notice. Our team will still be working full-time in the office and here to assist with all your insurance needs. Please contact us via phone at (817) 485-5050 or email: info@schwabagency.com.

We hope everyone is doing their part to protect themselves and their loved ones during these hard times, and thank everyone for understanding our decision to do our part to help protect our staff and those in our community.

Tim Schwab.
President and Managing Partner