Auto Insurance

 The importance of having car insurance in the state of Texas is not only because is required by the law or just so we don’t get a ticket. When someone has an accident and does not have insurance protection, the financial burden that this situation can carry with it could be of extremely high proportions. 

 Having a debt that has to be paid for years or not counting with an appropriate legal defense can change one’s life forever. At times some people are forced to not to have auto insurance due to the increasing cost of this benefit and the best option is no to drive an automobile and that way evade a bad situation. 

 Every company rates drivers differently and the quotes may come up higher for some people. We need to take into account the driving record, age, insurance history, type of vehicle, marital status, home ownership, how many policies you have with the quoting company and even the zip code where you live and credit history. 

 It is very difficult to get the same rate as another person due to all these factors and even type of policies. Some companies offer lower coverages and that helps reduce the rates they offer but you need to think about what is better for you as an individual. 

 Get an insurance quote based in your needs and not just in price. Protection should be your first priority since insurance was made to focus on it and not in price only.  

Auto insurance in Texas aims to protect drivers in the event of an accident or vehicle damage. While minimum liability coverage is required, there are many optional add-ons available for more comprehensive protection.

Liability insurance covers bodily injury and property damage you cause to others if you are deemed at-fault in an collision. Texas requires minimum limits of 30/60/25 which translates to $30,000 bodily injury per person, $60,000 bodily injury per accident, and $25,000 property damage. However, experts recommend 100/300/100 or more for adequate coverage. Higher limits are wise if you have significant assets to protect.

Uninsured/underinsured motorist coverage protects you if you're hit by a driver with no or insufficient insurance. This applies your liability limits to cover injuries or vehicle damage. Although not required in Texas, it's highly recommended since nearly 1 in 5 Texas drivers are uninsured.

Personal injury protection (PIP) pays medical expenses for you and your passengers, regardless of fault. While Texas does not require PIP, you may want to add this coverage for more complete protection after an accident.

Comprehensive coverage is optional but covers damage to your vehicle that is not collision-related. This includes theft, vandalism, fire, flooding, hail, animal strikes and other hazards. It also covers glass damage. A low deductible of $250-$500 is common for comprehensive claims.

Collision coverage pays for vehicle damage caused by a crash with another car or object. It has a higher deductible, often $500-$1,000. Collision and comprehensive combined provide full coverage for vehicle damage.

Rental reimbursement covers the cost of a rental car while your vehicle is repaired after a covered loss. Towing and labor can pay for towing to a repair shop and labor at the scene. Roadside assistance provides help with lockouts, battery jumps, tire changes, and gas delivery.

Gap insurance pays the difference if your car is totaled and insurance settlement does not fully cover the remaining balance of your auto loan or lease. This prevents "upside down" situations when you owe more than the car's depreciated value.

Choosing appropriate limits and deductibles requires balancing premium costs with your budget and risk tolerance. Our licensed agents explain coverages so you make informed choices to protect yourself on Texas roads. Contact us today to discuss your auto insurance coverage options.