Auto Insurance

Texas Auto Insurance

The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by an accident, fire, theft, or other event covered by your insurance policy. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

An auto insurance policy is a contract between you and an insurance company. You pay a premium and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. We can help you determine the best coverage for your needs.

How much auto insurance is right for you?

Auto insurance requirements vary by state. In some states, to drive you must carry:

   • Liability coverage to pay for losses you cause others
   • No-fault coverage to pay you and your passengers for                medical and related expenses caused by injuries from a car          accident, regardless of who is at fault
   • Both liability and no-fault coverage.

Even in states where coverage isn’t required, by law drivers must be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes:

   • Collision Insurance

    Collision coverage pays for damage caused to your vehicle in       an automobile accident. Standard collision coverage will pay         for any repairs up to the fair market value of your car. Collision     coverage usually also comes with an insurance deductible. It’s     the amount of money you pay toward repairs before your             collision insurance kicks in. The higher the deductible you’re         willing to pay, the less the collision coverage will cost.

   • Comprehensive Insurance (Other than Collision)

     Comprehensive insurance covers damage done to your car in      some way other than a collision, such as if it were stolen or          vandalized. Flood, hurricane, theft, windshield damage and          fire are also events usually covered by comprehensive car            insurance. Like collision, comprehensive will pay up to the fair      market value of your car (less your insurance deductible.)            Although it’s not legally required by any state, you will                    probably need it if your car is financed.

Every person is unique – talk to us today to find out how to get the best price and value on Texas car insurance for you.

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