In a perfect world, you would have a driver-less car that was never at risk of an accident. In the real world, that is an ever present danger and statistically, a great deal of the population is at least going to be involved in some sort of a fender bender. You need insurance to legally drive your car, but you may not know there there are a few types of insurance that you can choose to get.
Liability is the one you are most likely familiar with, as it is legally required for your vehicle. This is the auto insurance that pays the other driver in an accident if you are the one who is the cause of the wreck. It pays for their repair, replacement, and medical costs associated with the accident, up to a certain limit. What it doesn’t do, however, is pay for any of your expenses. It’s a great option if you have a car that isn’t worth much, but if you’re driving around in a new car it’s best to get both collision and comprehensive insurance so that you have protection even if you are at fault in an accident. This is an important consideration if you are financing a car as well, as the financing company may require you to hold this type of insurance on your vehicle.
Talk to us about your auto insurance options in Lakeway, TX. If you’re in the mood for an insurance change, or you want to know if you can get a better deal than what you’re currently paying, contact us for a free online quote. It’s always good to know what your options are when it comes to your insurance payments.
Texas is an expansive state, with a two hour drive to a major city considered a pretty short distance. You’re going to get a lot of use out of your car around the Austin, TX area and suburbs, although it does have a fairly solid public transportation option available. When you start going outside of the city, however, you’re very car dependent in this area.
You need to protect your car and your ability to legally drive by holding auto insurance. You have to have a policy that has liability coverage on your vehicle so that you cover the costs of the other driver if you get in an accident and you are considered the at fault party. While liability does save you from taking a wallet hit when it comes to paying for someone else’s bills, it doesn’t do anything for your own bills. You need additional types of insurance on your policy if you don’t want to pay for your own damage in an at-fault accident. If you are not at fault in an accident, or if it is no fault, the liability insurance handles that claim.
Collision is another auto insurance type that does provide you with protection on your personal vehicle. You do have to pay up to your deductible, but after that the insurance company handles the repair costs for your car. This is a good idea for newer vehicles that are worth repairing and not simply replacing.
Want to talk to an experienced auto insurance agency in the Austin, TX area? Get in touch with us so we can go over all of your options, let you know how you can save money on your auto insurance, and give you information specific to this area. We use a free online quote system so you can get in touch with us whenever it’s most convenient for you.