How Your Car's Title Affects Your Insurance Coverage

This could be the world’s shortest blog post if we simply addressed the subject of the title, because the way your car is titled has no affect on the type of auto insurance coverage you need. But we are going to go a step further and tell you why.

An automobile does not need to be owned by a business in order for it to be used for business purposes and, therefore, need commercial auto insurance coverage. Many business owners use their own cars for business-related travel, and even get tax write-offs for wear and tear. The IRS isn’t asking for titles to be in the business’ name because sometimes, a business doesn’t actually need an entire vehicle as an asset.

When you have your personal automobile covered by personal auto insurance only and you use the vehicle for business purposes, then you are flirting with disaster because if you suffer an insurable incident while driving for business purposes, your insurance company can deny the claim.

Commercial auto insurance is designed to protect both personally owned and business-owned vehicles while they are operated on a business basis. Anything from running errands, carrying client property, or travel to meetings can qualify as a business purpose. In addition, it covers the liability created by transporting business or client property.

If you want to get a blended policy that has more flexibility in coverage, you can get one that covers your auto for both personal and business use and includes certain members of your family. This way, you can cover your car for both personal errands such as grocery store runs, and business errands like picking up a client from the airport.

Having the proper insurance is vital in ensuring that you are paying for protection that you will actually be able to utilize. When you have the wrong auto insurance, you are paying for coverage that is likely to result in denied claims and leave you financially exposed and liable out of your personal or business pocket for accidents and injuries. Instead of leaving yourself open to this potential damage, get the right protection on your vehicle and drive with confidence.


Contact us today and be sure you have Austin Car Insurance coverage that fits your needs!

Agent vs Online Quote

Agent vs. Internet—Which One Gets the Best Deal on Auto Insurance?

The internet gives consumers access to multiple insurance quoting systems that can help them save time and money when shopping for auto insurance. Often, consumers assume that these valuable quote algorithms give them access to the same service as a local agent and choose to use them instead of an insurance professional. Unfortunately, this is probably a mistake.

Discovering Opportunities for Discounts

An insurance agent can interact with you, find out about your life and driving habits, and help identify possible discounts that you are qualified to get. This one-on-one contact better allows an agent to ferret out these important discounts, something that an internet algorithm simply can’t do. Each day, insurers are developing new opportunities for discounts including for items like cell phone apps that can be employed while driving to keep a driver’s focus on the road. Online algorithms don’t stand a chance against an agent when it comes to keeping up with these developments.

Reviewing and Understanding Coverage Options

There are many different coverage options that you can choose from when shopping for auto insurance, and each will affect your quote and risk exposure differently. When sitting at home, trying to navigate online quote systems, it can be next to impossible to figure out what coverages you need, what limits to choose and what deductibles are reasonable. Agents can help you go through the coverage options and tweak limits and deductibles so you get a policy that is both affordable and helpful in the event of an accident.

Working with Various Companies

The algorithms you use online for auto insurance quotes have access to a limited and fixed number of insurance companies. This does not give you the broad range of options that your local auto insurance agent will. In addition, because agents work with these companies on a one-on-one basis every day, they know how each company handles its underwriting and this can help get you matched up with a company that is going to get you the best rates for your situation.

Auto insurance is an important and often required coverage to carry. In order to get multiple quotes and the best price for you, there’s no need to rely on websites. Instead, you can get the service of a live and thinking agent who knows how to get you the best deals on insurance and where to put your policy so you can afford the premium.


Be sure you're getting the best deal on your Austin Car Insurance from Evans Ewan & Brady Insurance today!

Georgetown TX Home Insurance

We specialize in Georgetown TX home insurance as well as auto insurance in the Georgetown, Belton and surrounding areas in Texas. Homeowners insurance protects you from financial losses caused by storms, fire, theft, and other events outlined in your policy. Carrying the right amount of coverage is essential to protecting your family and belongings. Apply for homeowners coverage today.

Evans, Ewan & Brady Insurance Agency Inc has served the insurance needs of Texas Businesses and Individuals since 1928. We believe that local insurance agencies can best serve your insurance needs. Evans, Ewan & Brady Insurance Agency Inc will assist you in finding just the right combination of tailored, personalized insurance coverage at just the right price.