Auto Insurance in McKinney TXAuto Insurance in McKinney TX Made Easy with James Flynn Insurance Agency

Shopping for auto insurance in McKinney TX can be overwhelming, especially if you’re a North Texan who’s a new driver or a first-time car owner. Having some basic knowledge of insurance coverage and its purpose will better prepare you for your next insurance policy purchase. For many people, young people especially, auto insurance is often perceived as being something that is optional or that is too expensive to bother with – or both. Sadly, that perception leaves a lot of people vulnerable to serious financial problems when they do get into an accident. If you happen to be one of those drivers who doesn’t know as much about auto insurance in McKinney, TX as you should, here is some basic information you need from the Insurance Information Institute:

Auto Insurance McKinney TX FAQ

Why Should You Always Have Auto Insurance Coverage?

In almost every state in the United States – Texas included – you must have, at the very least, liability coverage.  If you are found to be without liability coverage, you could face severe penalties including paying escalating fines and fees and payment of any court costs associated with prosecuting you. You could even lose your license for a period of time if you drive – and crash – multiple times without auto insurance in McKinney TX.

What Does Auto Insurance Do For You?

Auto insurance protects you against financial loss if you are ever in a car accident.  When you sign an auto policy contract for auto insurance in McKinney TX, an insurance company agrees to pay for damage to your car, another person’s car and more as long as you pay your premiums.  Generally, property coverage pays for damage to or theft of your car.  Liability coverage pays for any damage you do to another person’s property or for any bodily injuries.  Medical coverage pays for the cost of medical treatment, lost wages and, often, funeral expenses.

How Much Auto Insurance in McKinney TX Is Enough?

Though liability coverage is mandatory, other types of coverage like collision and comprehensive are optional.  Collision insurance pays for your own vehicle in the case of an automobile accident and comprehensive covers other losses not accident-related, like vandalism, flood and fire.  If your car is financed, the lender will likely demand that you get collision insurance in addition to liability coverage.  How much insurance you get depends on how much you can afford to pay each month in premiums and how much of a deductible you want to pay should you make a claim.

Where Are The Best Places to Get Auto Insurance?

To buy auto insurance in McKinney TX you can either go straight to specific insurance company’s office or you can go to an insurance agency that sells different types of insurance – auto, life, homeowner’s – for a multitude of different companies.  In general, a McKinney insurance agent who works with many companies can often get you the best rate for the coverage you need because he is able to access and compare a few different sources for your insurance.

If you’re looking for auto insurance in McKinney TX, look no further than the James Flynn Insurance Agency.  At the James Flynn Insurance Agency, we will give you all the information you need to get the right insurance at the right price for you.  Call us at (972) 521-3880 or get a free insurance quote online.

Auto Insurance in McKinney TX
Texas Insurance Expert
7850 Collin McKinney Parkway
McKinney, Texas
(972) 521-3880

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