Get your cars insured at a price you can afford. 

Having the right auto insurance can help get you back on the road quickly after your car is damaged or destroyed by an accident, fire, theft, or other covered event.

Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

As a local, independent insurance agency, Janecka Insurance Agency can help you obtain the right policy by comparing quotes and coverage options. We also insure motorcycles, classic cars, motor homes, travel trailers, boats, jet skis and ATVs too.

Request a free online quote or call us at (361) 573-4475 to get started.

Limits Are Important

It may surprise you to learn, but the most risky thing you do in life likely involves getting behind the wheel each day. You are literally slinging alongside heavy metal objects just a few feet away. Try to imagine the unknowable amount of damage that you can cause to other persons, vehicles and buildings plus the cost of defense against a lawsuit. 

Although it’s easy to focus on paying the bare minimum for whatever insurance the law requires, just consider how truly devastating any of those losses could be if you chose a policy or provider that didn’t offer adequate coverage. An easy mistake to make when trying to keep insurance costs down is to choose lower limits of liability. But isn’t that really why you need insurance in the first place? Let’s discuss the need to balance costs with obtaining adequate protection against possible catastrophe.

Financing a Car?

When you carry a loan on your car you should provide yourself insurance that covers damage to the vehicle.  This includes:

Collision Insurance
Collision insurance coverage pays for damage caused to your vehicle in an automobile accident, usually up to the fair market value of that vehicle. The higher the deductible you’re willing to pay, the less your collision coverage will cost.

Comprehensive Insurance (Referred to as Other Than Collision)
Just like it sounds, this insurance covers damage to your car caused in some non-collision way, such as theft or vandalism, hurricane, theft, flood, glass breakage and fire. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible). You will probably also be required by your lender to carry this coverage if your car is financed.

We will be glad to discuss options and ways that may save you money. We are here to help you manage this risk in your life. 

Request a free quote on your coverage or call us today at (361) 573-4475. We are glad to help.