LUXURY CAR INSURANCE

You can change your car insurance at any time, regardless of how long you have had your current policy.  That could be after 1 day or 10 years.  The best car insurance policy is not necessarily who your friends and family have.  Car insurance rates have to deal with several factors such as credit score, age, location, how many drivers, how many vehicles and how many accidents you have had.

Hillco Insurance is able to get multiple offers for your car insurance and be able to provide you with several options.

Give us a call to discuss your options at (214)-960-0873

Switching car insurance companies with Hillco Insurance is easy, and can benefit you by having better coverage or having a lower monthly payment.  Contact us if you have:

• Your monthly payment has gone up
• Your credit score has changed
• You got a new car
• You have a new driver in the house and/or a driver left the house
• You purchased a home.  We can check on multi-policy discounts

Instead of looking at just price, you may want to consider your experience as well with not only your current agent but with the insurance company.  Hillco insurance delivers excellent customer service and will be there when you need us most.

At Hillco Insurance, we don't just quote car insurance.  Before we get started, our team does a risk analysis to determine what risks your drivers may have.  So, before we begin your search for a new car insurance company,  we read your current policy’s insurance contract, not just the declarations page. 

A couple of things to look at are going to be your vehicles replacement cost coverage and making sure that it is inline with the current market.  A second item to look at will be your deductibles, since this is the amount that you will be required to pay in the event of a covered loss.

As we review your existing car insurance policy, we look for potential gaps in coverage. You may find you need more coverage, not less, even if you are looking for ways to save.  You also may find that you are over insured in areas, where you will be able to reduce coverage which will save you money.

When we are ready to shop your car insurance quotes, we will need to gather specific information. To be able to accurately shop for you, we will need:

• Date of birth 
• Drivers license number
• Adequate replacement cost, not market value
• Vin numbers of vehicles insured
• How many miles you drive
• Safety features

Most insurance companies will offer you multi-policy discounts for purchasing more than just car insurance.  These multi-policy discounts can be homeowners/renters/condo insurance, jewelry & art insurance and an umbrella policy.  We shop all of this for you to see what is the best value.

From here, we package up your insurance and submit it to different carriers to begin the quoting phase.  Hillco Insurance does all of this for you to save you time.   Once completed, we analyze the quotes and review them side by side with you presenting all of your options.

If you would like to take advantage of having an agent work on your behalf, we would be happy to have an initial conversation to make sure that we can be of value to you. 

 Give us a call to discuss your options at (214)-960-0873

If you have a lien or lease your car, we will contact your lender to inform them of your car insurance policy and the changes that have been made.  Most lenders require car insurance, and keeping the lender up to date will help you avoid complications.

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Car insurance is intended to help protect you from costs related to car accidents and vehicle theft.  Your car insurance policy is an insurance contract where you pay a premium to the insuring company for a set amount of coverage.  There are several types of coverages available.   High-touch helps distinguish the difference between the kinds of coverages available and can help you choose the right ones for you.. The type of coverage you need depends on a variety of factors, including the state you live in, whether you own or lease the car, and the age of the car you drive.

When it comes to insuring high-end vehicles and the families who drive them, traditional auto insurance is not enough in most cases.  Our carriers go beyond traditional coverages and service and thrive on being responsive, flexible and swift when it comes to recovery.  One example of luxury auto insurance coverage is that they offer a set amount for a loaner vehicle and do not limit you to a max of 30 days of coverage.

If you’re involved in an accident, you may have expenses for car repairs, property damage, medical bills, lost wages, and more. Without the coverages you need, you could have to pay those bills on your own.

Liability coverage includes both bodily injury and property damage liability coverage and is required in most states. This coverage provides compensation for injuries to others, and for the damage your vehicle does to another person's property if you cause an accident.

If you are found responsible for causing damages as a result of an accident, this coverage may pay up to the limit you select, and it can provide for a legal defense if you're sued.

Liability coverage includes both bodily injury and property damage liability coverage and is required in most states. This coverage provides compensation for injuries to others, and for the damage your vehicle does to another person's property if you cause an accident.

If you are found responsible for causing damages as a result of an accident, this coverage may pay up to the limit you select, and it can provide for a legal defense if you're sued.

Uninsured/underinsured motorist coverage can help pay for damages and medical costs resulting from an accident caused by someone who has no insurance or inadequate insurance coverage. In some states, it may be offered as a combined coverage, while in other states it may be offered as two separate coverages (one for uninsured and another for underinsured motorists).

Coverage can extend to you and your family members that live with you. As a pedestrian, if you are hit by an uninsured driver, you can be covered.

Uninsured/underinsured coverage is required in some states.

Collision coverage helps pay for damage to your vehicle if your car hits another car or object, gets hit by another car or if your vehicle rolls over. This coverage is generally required if your car is financed or leased.

Comprehensive coverage helps pay for damage to your vehicle that is not caused by a collision. For example, theft, vandalism, hitting a deer or other animal, storms and certain natural disasters.

PIP insurance, also known as “no-fault” insurance, is required in certain states. It pays medical expenses, and in some cases lost wages and other damages regardless of who is at fault in an accident.

Medical payments coverage protects you and passengers in your vehicle who may be injured in an accident, no matter who is at fault. It also protects you as a pedestrian. Coverages vary by state.

Rental reimbursement, also known as extended transportation expenses coverage, can help pay for a rental car if your car is damaged in a covered accident and is out of commission for more than 24 hours.

Roadside assistance is coverage you can add to your car insurance policy to help when you find yourself stranded due to unexpected car trouble – like a dead car battery. These unexpected things can happen when you’re at work, out running errands, or even when you’re at home.

Premier New Car Replacement® gives you the extra coverage you need. If you total your new car in the first five years, this coverage pays to replace it with a brand new car of the same make and model.

Named non-owner insurance is liability coverage for drivers who don’t own a vehicle. It can also include other coverages. If you frequently drive but don’t own a car, this coverage may help protect you and your passengers. You should consider it if you:

• Frequently rent vehicles.
• Drive a company car and also use it for personal use.
• Borrow vehicles that are regularly available to you from other people.
• Use car-sharing services.
• Provide care for a person you don’t live with and drive their car.

Your car insurance deductible is the amount you’ll be responsible for paying toward the amount of a loss before your car insurance coverage pays. The lower the deductible, the less you’ll pay out of pocket if an incident occurs. For example, if you choose a $1,000 car insurance deductible and have a covered loss that causes $2,000 in damage to your car, you would be responsible for the first $1,000.

Selecting a higher deductible may lower your car insurance premium. But it is important to choose a deductible you can afford in the event of a loss.