Auto Insurance in Texas
Vroom, vroom! Buckle up, because you are never more at risk then when driving your car. It is a jungle out there, so it is imperative to make sure you have auto insurance to protect you, your precious cargo and your assets.
Our auto insurance experts will help you navigate your insurance coverage to make sure you are properly protected. More than that, we will show you how to protect you and your family in the event you are involved in an accident with someone not as responsible as you.
Here are some items to consider when purchasing your auto insurance:
- Liability Protection – This is what protects you when you are at fault in an accident. The state minimum liability limits are $30,000 per person and $60,000 per accident which is sometimes written “30/60.” While this is the minimum, it may not be enough to protect you and your assets. How much insurance do you need? Our agents can help with that. You do not want to be caught with not enough insurance if you injure someone in an accident as medical costs can get high.
- Property Damage Liability – Do you have $80k to pay for that Range Rover you just totaled? If that was not bad enough, it was a multiple vehicle accident, so you are also responsible for the other vehicles involved. You are going to want protection for that. Make sure you have limits high enough to properly protect you on the road.
What about your family?
- Uninsured/Underinsured Motorist Coverage (UM/UIM) – In the event someone with no insurance, too little insurance or a hit-and-run driver hits you, UM/UIM will kick to help you out. You can use your insurance to help cover medical expenses or for repairs to your vehicle. In the state of Texas, you are not able to have UM/UIM amounts higher than what you insure yourself for.
- Collision – If you are involved in an accident and hit another vehicle or fixed object and you want your car fixed, Collision coverage may help. This will pay to have your car repaired or replaced up to the actual cash value of the vehicle, minus the deductible.
- Comprehensive – This is to protect your vehicle from things like theft, fire, natural disasters or vandalism. If your vehicle is damaged by a covered peril, your insurance will pay to repair or replace it up to the Actual Cash Value of the vehicle, minus your deductible.
- Personal Injury Protection (PIP) – In addition to covering medical expenses, this can also help pay for lost wages.