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Granbury, TX 76049

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Answers To Your Auto Insurance Questions

Auto insurance is a unique type of expense because it is one of the few expenses you have that is required by law. Because of the important nature of this expense, it is very important that you always get a good deal on your auto insurance. At Texas Classic Insurance, serving Granbury, TX, and the surrounding areas, we can help you better understand auto insurance. Keep reading to learn more. 

Auto Insurance FAQs

What Happens Without Auto Insurance?

If you do not carry the proper amount of auto insurance, you will be at risk of breaking the law. If you are pulled over and you are not properly insured, you will receive a citation. In some instances, this offense can affect the validity of the license as well. Not carrying proper insurance can get very expensive. 

What’s The Difference Between Full Coverage and Liability?

Many drivers, especially new drivers, are confused concerning the different types of auto insurance available. 

Full coverage insurance is a type of insurance policy that provides coverage to pay for any damages or injuries that may be caused to another vehicle or driver if you are at fault in an accident. This type of coverage will also pay for any damages or medical expenses for you as well. If your car is stolen or damaged due to a natural disaster or some other specified event, the policy will also pay for repairs or replacement for your vehicle. 

Liability coverage, on the other hand, only pays for damages or medical expenses to another vehicle or driver if you are at fault for those expenses. Liability coverage does not offer a great amount of protection for you as a vehicle owner. 

If you would like to learn more about our services, please contact us at Texas Classic Insurance, serving Granbury, TX, and the surrounding areas. 

When my child moves out can I still keep them on my auto insurance?

Auto insurance is designed to provide coverage for families. It allows all the members of the family to be on one policy that covers the entire household. At some point, younger members of the family will be moving out of the family dwelling, it may be short-term or forever. You are probably wondering how this affects your car insurance. At Texas Classic Insurance in Granbury, TX, we work for you, not the insurance carriers. We take that responsibility seriously and will go the extra mile to make sure you get the best coverage at the most affordable price. 

Usually, at around 18 years old, children start moving out of the family home. The median age for Millennials is 19 years old. About 62% of them will be going to college. Others will go out into the world to begin their first post-high school job. Most of these young adults will not be completely self-sufficient and as a devoted parent, you will likely want to keep them on the family auto policy as long as possible. 

When a child goes off to college and comes back during the summer their primary residence is still the family home and most carriers will not have a problem at all with keeping them on your policy. After college, it has become more common for graduates to move back home before striking out on their own. Since they live in the same household, this is usually acceptable to most carriers, but be sure to check with your particular one. 

The issue may arise when they move out permanently. Depending on their age and your carrier it may still be alright at least in the short-term, just don’t assume, ask your carrier. You don’t want to get any nasty surprises in the event of an accident. 

Contact Texas Classic Insurance in Granbury, TX when you are looking for auto insurance. 

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Partner Carriers

  • Allstate
  • ASI
  • BuildersRisk
  • Dairyland
  • Foremost
  • Germania
  • Hagerty
  • Hippo
  • Homeowners of America
  • Kemper
  • MetLife
  • Mercury
  • Mission Select
  • National General
  • Nationwide
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