What is auto insurance?
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Auto insurance provides property, liability and medical coverage:
- Property coverage pays for damage to or theft of your car.
- Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
- Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.
Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.
Why do you need auto insurance?
It's really all about protecting yourself financially.
- If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
- If you or any passengers are injured in an accident, medical costs can be extremely expensive.
- If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
- Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.
Questions to ask your agent
Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:
- How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
- What is the insurance company's level of service and ability to pay claims?
- What discounts are available? (Ask about good driver, multiple policy and student discounts.)
- What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
Arlington is a city in Tarrant County, Texas (USA) within the Dallas–Fort Worth metropolitan area. According to the 2010 census results, the city had a population of 365,438, making it the third largest municipality in the Metroplex. Arlington is the fiftieth most populous city in the United States of America and the seventh most populous city in the state of Texas; it is also the largest city in the state that is not a county seat.
Located approximately 12 miles (19 km) east of downtown Fort Worth and 20 miles (32 km) west of downtown Dallas, Arlington is home to the University of Texas at Arlington, a doctoral-granting institution, and a General Motors assembly plant. Additionally Arlington hosts the Texas Rangers' Rangers Ballpark in Arlington, Cowboys Stadium, the International Bowling Campus (which houses the United States Bowling Congress, International Bowling Museum and the International Bowling Hall of Fame), the headquarters for American Mensa, and the theme parks Six Flags Over Texas (the original Six Flags) and Hurricane Harbor. The city borders Kennedale, Grand Prairie, Mansfield and Fort Worth, and surrounds the smaller communities of Dalworthington Gardens and Pantego. Arlington is the headquarters of the Nuclear Regulatory Commission Region IV.
European settlement in the Arlington area dates back at least to the 1840s. After the May 24, 1841 battle between Texas General Edward H. Tarrant (Tarrant County is named for him) and Native Americans of the Village Creek settlement, a trading post was established at Marrow Bone Spring in present-day Arlington (historical marker at 32°42.136′N 97°6.772′W). The rich soil of the area attracted farmers, and several agriculture-related businesses were well established by the late nineteenth century.
Cowboys Stadium - May 2009
Arlington was founded in 1876 along the Texas and Pacific Railway. The city was named after General Robert E. Lee's Arlington House (in present-day Arlington County, Virginia). Arlington grew as a cotton-ginning and farming center, and incorporated in 1884. The city could boast of water, electricity, natural gas, and telephone services by 1910, along with a public school system. By 1925 the population was estimated at 3,031, and it grew to over 4,000 before World War II.
Large-scale industrialization began in 1954 with the arrival of a General Motors assembly plant. Automotive and aerospace development gave the city one of the nation's greatest population growth rates between 1950 and 1990. Arlington became one of the "boomburbs," the extremely fast-growing suburbs of the post-World War II era. U.S. Census Bureau population figures for the city tell the story: 7,692 (1950), 90,229 (1970), 261,721 (1990), and 359,467 (2004 estimate). Tom Vandergriff served as mayor from 1951 to 1977 during this period of explosive development. Six Flags Over Texas opened in Arlington in 1961. In 1972 the Washington Senators baseball team relocated to Arlington and began play as the Texas Rangers and in 2009 the Dallas Cowboys also began to play at newly constructed Cowboys Stadium.
Cathy Brown of The Dallas Morning News said in 1998 that "In addition, since Arlington's shirt collar is getting bluer, the flavor of the entire city is changing. The North Central Texas area now has Colleyville, Southlake, Grapevine to be what Arlington used to be. The decisions which produced the fade to blue were made too long ago for any of us today to alter."
For information about Arlington auto insurance, give Low Rate Insurance Agency a call at 817-635-0397.