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Know your limits Auto Insurance

Do you know your limits?

The three numbers on the face of
your policy that likely seem as random as
your high school locker combination.

Thankfully, Faces & Places resident expert on insurance, David Sheehan, is here to clear
things up. David ownsSheehan Farmers
and offers a complete spectrum of insurance products-life, home, auto, and
boat, among others-all through Farmers--
one of the two biggest insurers in Texas.

"There's really no mystery with auto
insurance," he explains. "In Texas, auto
liability insurance is required by law-that
is, insurance that pays for damage you
cause-and we refer to the minimum limits
as 30/60/25. That means your insurer will
pay $30,000 to each injured person, up to a total of $60,000 per accident, and $25,000
for property damage. And that's it-the rest
is on you."

A lot of folks who focused solely on
rock-bottom premiums will point, dick,
buy-and look no further. If you have assets
(or even just peace of mind) you want to
protect, you'll likely need more coverageand
it will probably costs less than you
think. How much more coverage?

That's where David comes in. "We're here to help you understand not just how much you
need, but what kinds of coverage make sense
for you and your family."

  David helps his customers sort out the
differences between vital coverages and
convenience coverages. Vital coverages are
what's necessary-liability, of course, and,
though not required by law, uninsured and
underinsured motorist protection, which
protect you in case you're in a wreck caused
by someone with no insurance or assets.

Convenience coverages, on the other hand,
include protection for your vehicle and
other helpful services, like roadside towing
and rental car reimbursement.

The value Sheehan Farmers Insurance
brings is David's real world expertise
and personal attention, as well as the
vast resources of Farmers that back every
policy he writes. And it's affordable, too,
especially since Farmers offers additional
discounts for teachers, nurses, doctors,
David Sheehan working with a client and friends, first responders, active/retired military and several other professions.

"Our goal is to offer the best product
along with the best insurance-buying
process," says David. He'll help you select
coverage you're comfortable with, that
fits your budget, at competitive rates.

And unlike some online or 800 number
carriers, you get a real, live person. David
and his family are involved members of
your community, doing all the hard work,
explaining everything along the way, who
are always there for you. Farmers Help
customer service is also ready to help -
24/7/365. What could be easier?

So, if you don't know them already, now's a
good time to learn your limits. And if you're
looking for an insurance agency that can do it
all, give David a call-because when it comes
to auto coverage, Sheehan can.



What We Do

Sheehan can get you quality, competitive coverage for :

  • Homeowners
  • Auto
  • Life Insurance
  • RV, Motorcycle, Boat
  • Renters
  • Commercial

Get in touch

Contact us:

David Sheehan
Farmers Insurance
Lakeway, TX

District Office
206 W Main St Ste 108
Round Rock, TX 78664-5874