It is hard to understand why you should spend so much money to buy a car and then spend another amount to insure it? However, can you imagine a world without insurance? If an accident was to occur, the person found liable would have to pay for all the expenses from his or her pocket. You do not want to be the one in that position, and that is why Paragon Independent Insurance Agency offers you an auto insurance policy.

If you are in Plano, TX, we advise you consider our auto insurance policy. We have employees that are well versed with insurance knowledge, and also, they have the experience needed to guide you through the policy. We encourage you to view insurance as an investment since it is protecting one of your great investments and in that way, you will be able to understand its importance.

We have different auto insurance coverage options for you to choose from. We offer you collision coverage, comprehensive cover, liability coverage and medical payments. With this covers, you should not worry about the risks that might occur as you drive your vehicle. Still not convinced of the importance of an auto insurance policy?

Let us look at some of the reasons why you should consider this policy.

It is a law

Having a car insurance policy is a requirement by law in most parts of the world and Plano, TX is not an exception.

Saves cost

If you are to get into an accident and the court finds you liable, the penalties will be less than that of a person without an insurance policy. Also, if your passengers or a third party gets injured under your watch, the court will require you to pay for the medical expenses. If you don’t have an insurance policy, you will have to use your own money to cover the bills, and that can leave you bankrupt.

Therefore, if you are looking to have an enjoyable and stress-free time with your vehicle, Paragon Independent Insurance Agency is the place to go. We will give you not only our best policy but also the best customer service.

 

 

 

Auto insurance policies in Plano, TX typically include both comprehensive and collision coverage. Some people opt for just collision coverage, especially if the value of their vehicle is low. However, including comprehensive coverage adds more protection.  To choose a policy that’s right for you, it’s important to know the differences.

Collision Coverage

Collision coverage is the most important type of coverage to maintain. It applies when you are the at-fault driver in a collision with another car or object such as a power pole or sign. It’s not difficult to accidentally hit something while driving, and if you’re at fault, then your collision coverage will protect you from incurring large expenses.

With collision coverage, your insurance company pays for damage to your auto and damages related to whatever you struck, such as another vehicle. Collision coverage often pays for related medical expenses too, but it’s important to check with an agency like Paragon Independent Insurance Agency to be sure you have adequate medical coverage to meet potential claims.

Comprehensive Coverage

Comprehensive is valuable too. It covers damage that occurs to your vehicle from something other than a collision. It covers theft of your vehicle, along with incidents such as fire, flooding, and vandalism. Hitting a deer or other animal is also covered under comprehensive.

Choosing the Best Coverage

Each type of coverage serves an important purpose. For some people, the best coverage is the cheapest coverage that allows them to legally drive in Plano, TX and surrounding areas. Other people are concerned about potential damage to their vehicle and want to do more to protect themselves from unexpected expenses. For help choosing the right coverage, please call Paragon Independent Insurance Agency, for assistance. We’d love to help you explore and assess available options.

In case you operate a transportation business, you need to purchase a commercial auto insurance to ensure that you are properly covered. This insurance coverage comes with many benefits which are exclusive for your business customers and employees. With this coverage, you will have a peace of mind regardless of who is driving your car. Below are four key benefits of purchasing commercial auto insurance policy from Paragon Independent Insurance Agency Plano, TX insurance policy.

1. Higher Limits
Every day you or one of your employees drive your car, you are at risk of getting wrecked which would lead to expensive lawsuits. In scenarios involving punitive damages, the liability costs can go to the extent of six figures. Luckily with commercial insurance, you will have high policy limits ensuring that such liability is fully covered.

2. Protects Business Equipment
If you own a transportation business, you will note that there are numerous tools and equipment which must be brought along while driving. These include catering equipment and hydraulic lifts which are supposed to make the repair and maintenance work simpler. With this coverage, you will get funds to replace these tools whenever they get damaged. 

3. Protects Employees
Business owners can have numerous employed drivers who count on them for their safety and protection. However, you will not be able to keep them in sight all the time which calls for a third party to offer protection. As such, you will need a commercial auto insurance policy to ensure that they are helped in the event of an accident.  

4. Meets the Fleet Lease Requirements
Lessees will require your business to maintain a commercial auto insurance which will protect their interests in case of an accident. With this policy, the lessees will be safe from the risk of financial loss in the event the business experiences damages.

Undoubtedly, commercial auto insurance will protect your business when the liability claims are high. Considering its high limits, you will have a peace of mind after purchasing this policy coverage. It is high time you visited Paragon Independent Insurance Agency which is based in Plano, TX, for good insurance deals.
 

Driving a car can be one of the biggest thrills of your life, but it can also be one of the most dangerous things you can do. For many, it is difficult to decide what type of coverage you need and it may also be difficult to understand just what your auto policy covers. For those living in the Plano, TX area, the agents with Paragon Independent Insurance Agency can help answer all your questions.

Does auto insurance cover non-accident related injury is the question. In some ways it does, in others no. It all depends on how you define an accident. If you strike a pedestrian it will cover the cost of their medical bills, for some, this might not be considered an accident because only one car was involved.  Will your car insurance cover you tripping and breaking your arm getting out of your car, probably not.

Car insurance policies are put in place to protect drivers from other drivers. They are made to help give you the coverage that you need to recover from a car accident should you have to deal with one. They are put in place not to protect you from yourself, but to make sure that if you are in an accident, no one is left with a huge number of bills that they simply cannot pay. For those that do have medical bills that are associated with their car but not with an accident, you are likely going to have a very hard time getting any insurance company to pay out.

For those in the Plano, TX area, the agents with Paragon Independent Insurance Agency can help you find the policy you need and figure out just what it covers quickly and easily no matter what.