Auto Insurance in Texas
Whether you are a first time driver or a veteran who just purchased a new vehicle, you will want to get the best value for your insurance dollar that you can find. The best auto insurance is one that gives you coverage to meet your specific needs. Our insurance agents pride themselves on the ability to offer you the fairest selection of policies. We are an independent organization. Therefore, we are not partial to any one insurance company. Covering your insurance risk and needs is our main concern.
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in the insurance policy.
Auto insurance provides property, liability and medical coverage:
- Property coverage pays for damage to or theft of your car.
- Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
- Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
Most auto policies are for six months to a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.
Types of Texas Automobile Insurance
You are only required to maintain the minimum amount of automobile insurance as specified by the state for a car that you own. The state requires its drivers to obtain bodily injury coverage as well as property damage coverage. The two items are called liability coverage, and they protect you in the case of a claim or suit against you for accident damages. Bodily injury coverage pays medical expenses for people who are hospitalized in an accident. Property damage coverage pays for repairs that a person needs to make to his or her car after an accident. Other options for insurance coverage are PIP coverage, uninsured motorist coverage, collision coverage, comprehensive coverage and towing coverage.
Using our Comparison Service
As your independent agent, we can help to establish your needs and then find a multitude of providers that offer the coverage you desire. We will perform a thorough investigation of the top companies and the rates that their services cost. Our comparison can help you to see the advantages and disadvantages of some major players in the insurance industry. We can have your quotes available for you today if you request them on online today.