The roads in Northeast Texas can be dangerous and intimidating. Whether you are a new or experienced driver, there are always some important safety measures to consider. Here is an overview from EasTex Insurance of what you need to know to stay safe on the roads in the Tyler, TX region.

Observing Road Laws

Driving safely on the roads of Northeast Texas requires a good knowledge of traffic laws and regulations. Also, watch out for deer. In Texas, drivers must observe speed limits, keep right, never cut off trucks, and move over or slow down for emergency vehicles and flashing lights. Drivers should also give themselves time to rest and take breaks regularly.

Most Dangerous Roads

Drivers in and around Dallas need to be aware of the most dangerous roads in the city. Interstate 20 and Interstate 35 East and West have been ranked among the deadliest highways in the country. Similarly, Interstate 45, which connects Dallas with Houston, has had its fair share of fatal car accidents.

Use Safety Measures

Drivers should follow certain safety rules to stay safe during a car ride. They should always wear their seatbelts, observe speed limits, keep a safe distance from vehicles, and never use mobile phones while driving. It is also essential to remain alert and patient on the roads and to avoid engaging in road rage.

Bad Weather Caution

Finally, winter driving poses additional challenges, so drivers should be careful while driving in adverse weather conditions. Some necessary precautions that should be taken include avoiding hard braking and acceleration, leaving extra space between vehicles, and increasing one’s following distance.

EasTex Insurance is the perfect choice for auto insurance. We offer competitive rates and excellent customer service so you can be sure you’re getting the coverage you need. If you’re looking for auto insurance in Tyler, TX, come to EasTex Insurance and let us help you today!

No one ever wants to be in a car accident. But unfortunately, accidents happen. If you’re involved in a car accident in Tyler, TX, there are four steps you need to take to ensure everyone’s safety and to protect your interests.

1. Check for Injuries

The first thing you need to do after a car accident is to check for injuries. This includes checking on the occupants of your vehicle and any pedestrians who may have been involved in the accident. If anyone is injured, call 911 immediately and wait for medical assistance to arrive.

2. Move to a Safe Location

Once you’ve ensured that everyone is safe and accounted for, the next step is to move your vehicle (if possible) to a safe location off the road. This will help prevent further accidents and make it easier for emergency vehicles to get through if needed.

3. Call the Police

Even if there aren’t any injuries, you should still call the police and file a report. The police will investigate the accident and create an official record of what happened. This can be helpful later on if there are any disputes about who was at fault for the accident.

4. Contact Your Insurance Agent

After you’ve taken care of everything else, the last step is to contact your insurance agent. Your EasTex Insurance agent will help you file a claim and work with you to ensure you have the coverage you need to repair or replace your vehicle.

These four steps after a car accident will help ensure everyone’s safety and protect your interests. And don’t forget, it’s always a good idea to contact your EasTex Insurance agent after an accident to ensure you have the most protection for your vehicle. We’re here to help!

Summer is upon us, and with it comes the oppressive heat and humidity all citizens of Tyler, TX know so well. Driving in this season is a challenge. You feel like you’re driving around in a sauna, but your car is also facing down hazards that are more prevalent and more dangerous.

Before packing up for your summer road trip, EasTex Insurance has some tips to help you stay safe and protect your vehicle.

1. Stay Hydrated!

It’s easy to get dehydrated when you’re driving in the heat, and when you’re dehydrated, your ability to drive safely is compromised. Dehydration can cause fatigue, headaches, and slow reflexes.

Take plenty of water along with you on your trip. Make sure you have an emergency supply of drinking water in your vehicle. Every passenger should at least have one gallon of emergency drinking water.

2. Keep An Eye On Your Fluids!

The big one is coolant. Without enough coolant, your engine will overheat, leading to engine failure. This can leave you stranded on the side of the road in the middle of nowhere. For hours. With no A/C.

Before hitting the road, it’s good to check your other fluids, such as oil, transmission fluid, power steering fluid, windshield washer fluid, and brake fluid.

3. Watch Your Temperature!

Ideally, your temperature gauge should remain at the centerline. If your temperature gauge is in the red, it’s time to pull over and stop the car. After waiting for 20 minutes, restart the vehicle.

If the temperature warning light is on, drive to the nearest service station and have the car checked. NEVER continue to drive when the temperature gauge is in the red.

EasTex Insurance in Tyler, TX is here for you no matter what the weather is like. If you need to discuss your auto insurance, please don’t hesitate to contact us.

From the day they’re born, you work hard to keep them safe. But as they embark on the new adventure of being licensed drivers, there are a few new steps you’ll have to take. Which is why our EasTex Insurance team has put together this list of tips for Tyler, TX parents of teen drivers.

Tip #1: Remember That You’re Their Greatest Influence

In case you haven’t noticed, your kids watch every move you make. That means you should always strive to model good driving behavior while they’re in the car. This means following posted speed limits, minimizing distractions like cell phone use, and always wearing your seatbelt.

Tip #2: Start Them Slowly

In addition, make sure to start them slowly. Just because your teen has turned sixteen doesn’t mean they’re totally ready to drive alone. Instead, work to build good driving over time until you feel confident they have the skills to handle a variety of scenarios on the road.

Tip #3: Make Your Expectations Clear

As a parent, it is your job to make your expectations clear from the very beginning in regards to your teen’s driving. Set ground rules with any possible consequences for things like speeding, texting while driving, or whatever else makes sense for your family. To keep everyone on the same page, you can use special software with your child’s smartphone or even some newer vehicle features to track their driving.

Tip #4: Take a Deep Breath

Hey, we get it. Not everything about sending your teen out on the road is comforting. Instead, remember to take a deep breath and know that you’ve done as much as you could to prepare them for this big step in life.

Ready to see how we can help? Please contact our Tyler, TX insurance team at EasTex Insurance today to schedule an appointment.

When your kids start to drive, it can bring up a wide range of emotions. You may be proud of their higher level of independence, but at the same time, you may worry more about their safety. EasTex Insurance understands these concerns that many Tyler, TX parents experience and are here to help. Knowing that your teenager and your family have appropriate auto insurance coverage can help you lessen your anxiety and give you a greater feeling of security. 

ABCs of teens and auto insurance

Securing the appropriate coverage for your teen requires the consideration of a number of factors. For instance, because of their inexperience, teens can often have more scrapes and dents than more seasoned drivers. Parents may also wish to consider a robust level of roadside assistance coverage. Additionally, if the car is going to be in a higher need of repair, rental car coverage can help to minimize the impact on your family’s transportation. 

In some instances, it can make more sense for a teenaged driver to have their own policy. This is just one example of the many ways that insurance coverage needs can differ from family to family.

Let us help you find the appropriate auto policy for your family

EasTex Insurance is here to partner with Tyler, TX area parents and help your family obtain the auto policy that is appropriate. We are here to serve your needs and look forward to working with you! Call or stop by today and learn more about the auto insurance policy options that are available to you and your family. 

People that are in the Tyler, TX area will always want to have access to a vehicle as it will make it a lot easier for you to get around the community. As you are looking for a new vehicle in this area of the state, picking an insurance plan is equally important. There are a few reasons that you should get an auto insurance plan here.

Texas Requires Liability Coverage

A reason that you should have an auto insurance plan when in this state is because it is a state law requirement. Those that want to drive a car in Texas need to abide by state laws surrounding liability insurance. If you do not have the coverage in place, you could face various penalties. This includes having to pay fines or even losing your right to drive for a period of time. 

Lender Requirements

Drivers also need to consider their lender’s insurance requirements. If you are going to take out a loan when buying a car, it is important that you understand your insurance needs. Most auto loan providers will want to know their collateral is covered and will require you to get a collision and comprehensive plan. This will ensure you are protected against many scenarios that could result in a loss. 

Picking an auto insurance plan in the Tyler, TX area is a big decision and comes with many choices that need to be made. As you are evaluating your options, calling EasTex Insurance would be beneficial. Those that are going to speak with EasTex Insurance will receive the support that is needed to fully evaluate their options and choose a new plan. This will ensure you and your vehicle are properly covered and in compliance with all requirements. 

EasTex Insurance provides insurance coverage to the Tyler, TX community. We are committed to helping our clients find policies to protect themselves in the event of a disaster. We help our clients evaluate their options and find a policy that aligns with their individual needs. We proudly serve as an independent agency.

Important Auto Insurance Variables

Auto insurance protects you as you travel around Tyler, TX and the surrounding areas. You will be covered if you are involved in a collision with another vehicle or object. Liability coverage protects you if you are held responsible for the damages or another person’s injuries. You have the option to amend your policy to cover you if you need emergency roadside assistance. You can also add coverage to protect your vehicle if it’s vandalized or you are a victim of theft. Here is a look at some important auto insurance variables to consider while researching policies.

Driving Record

Having a safe driving record does impact your policy. However, if you have one minor violation, such as a parking ticket, you will not be negatively impacted as you search for coverage. One parking ticket does not automatically make you a terrible driver.

Vehicle Usage

Your policy may be impacted by the amount of driving that you do. Keep in mind that the more often that you are on the road, the more likely it is that you will be involved in an accident at some point. Also, if you use your vehicle for business-related endeavors sometimes, you have to add commercial coverage to protect you if an accident occurs.

Uninsured Coverage

Driving is extremely unpredictable. It’s hard to prepare for the conditions of the roads as well as the other drivers. Because accidents can happen at any time, consider adding insured motorist coverage. You will be protected if you are involved in a collision with someone who does not have coverage.

EasTex Insurance Will Help You Stay Safe On The Road

Visit our website today to learn more information about auto insurance.

At EasTex Insurance, we provide the auto insurance policies Tyler, TX residents need to drive legally and safely. It’s important to choose the right type of auto insurance based on your needs and obligations. 

Liability

Liability insurance is required by law. If you are in an accident, liability insurance will cover the other party’s damages. It will include coverage limits for property damage and medical expenses. It will pay to repair the other party’s vehicle or other property and medical expenses up to the coverage limits. 

Collision Coverage

This is coverage for your vehicle. If you are in an accident that is your fault, collision coverage will pay to repair or replace your car. Many lenders require collision coverage to protect their investment. If you own an expensive vehicle, you have a loan on the vehicle, or you can’t afford to repair or replace it if you have an accident, collision coverage is a good idea.

Comprehensive Coverage

Comprehensive coverage is usually recommended, along with collision coverage. Comprehensive coverage is for situations not covered by collision insurance. If your car is stolen or vandalized, comprehensive coverage will cover these expenses. 

Personal Injury Protection

Personal injury protection will cover expenses related to your injuries from an accident. It also covers any passengers, up to the coverage limit. Medical expenses can add up quickly, and personal injury protection can help ensure you get the medical care you need after an accident without breaking the bank. 

Uninsured Motorists

Legally, everyone is required to have liability coverage. However, not everyone follows the law. If you are in an accident and the other person doesn’t have insurance, your standard policy will not cover it if the accident is their fault. An uninsured motorist policy will cover these damages. It may also provide coverage if the other party has insurance, but it’s coverage limits aren’t high enough to cover all your expenses. 

Auto Insurance in Tyler, TX is essential, but selecting the right coverage can be difficult. At EasTex Insurance, our agents will explain the types of insurance and help you choose the coverage that’s right for you.  

If you have home and auto insurance, you may think you’re prepared for anything that can happen. However, it’s not just the price to replace your car or house that you have to consider. Unfortunately, we live in a society where people love to sue one another. Your insurance limit may not cover a judgment against you, meaning you would have to pay the remainder out of pocket. Keep reading to learn more about the benefits of umbrella insurance and contact EasTex Insurance in Tyler, TX to purchase a policy.

What Are the Benefits of Umbrella Insurance?

If you already have a car and home policy, umbrella insurance provides additional coverage that increases your total limits. If you are sued for invasion of privacy, slander, or libel, the settlement and legal costs may exceed your auto and property coverage amount. To avoid financial loss, you can buy umbrella insurance as an additional layer of protection.

Your car and home insurance probably include liability coverage. In many cases, the limit is insufficient to cover you if you experience a catastrophic loss that you’re responsible for. For example, your auto insurance limit may seem high. However, if you hit a car full of people, your coverage limit can evaporate quickly.

Medical bills and lawsuits can eat up your regular coverage. If you don’t want to take the chance of having to pay off any expenses, umbrella insurance can bridge the gap. The same holds on your homeowner’s policy. No one likes to think about causing an accident where other people get hurt, but if it happens, you’ll be covered.

Protecting Your Business

Umbrella insurance can also be tacked onto your business insurance. If you own a partnership, sole proprietorship, LLC, or S or C corporation, consider umbrella insurance for supplemental coverage to safeguard your business from lawsuits.

Contact one of our agents at EasTex Insurance for umbrella insurance coverage in Tyler, TX. Make an appointment today for a quote or to review your current coverage. 

Auto insurance varies to suit drivers’ individual needs. When purchasing a policy, consider your driving habits, the value of your vehicle and your personal lifestyle. If you’re purchasing coverage for your entire household, you’ll have even more aspects to factor into your insurance equation. Working with an experienced EasTex Insurance agent in Tyler, TX can be helpful in determining what kind of coverage you need.  

Types of Coverage

A standard auto insurance policy in Texas offers the following basic coverage:  

• Liability – Liability insurance pays for injuries and/or property damage to others in accidents that are your fault. All drivers are required to carry minimum liability coverage in Texas. The more time you spend on the road, the greater your risk of causing an accident, particularly if you do a lot of highway driving. By purchasing more than minimum coverage, you can protect your assets against serious accidents you may cause.
• Collision – Collision insurance covers damage to your vehicle from collisions. It’s not mandatory in Texas, but important to have, especially if you own an expensive car. If you’ve taken out a loan on your car, your lender will probably require that you have this coverage.
• Comprehensive – Comprehensive protects your vehicle against theft and non-collision incidents like hail, vandalism or falling objects. Unless you have the finances to cover these damages on your own, you’d do well to obtain this coverage. 
• Uninsured Motorist (UM) – UM coverage also protects your vehicle, this time from hit-and-run drivers or people who hit you but don’t have sufficient coverage to pay your repair costs.

Customized Auto Insurance Coverage

You can customize your policy by selecting only the coverage you need. This gives you ample protection without paying extra for unneeded coverage. To learn more about auto insurance options and costs, contact EasTex Insurance in Tyler, TX.