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Car Insurance in Texas

A legal requirement for every road user, auto insurance allows you to drive your vehicle with the ultimate peace of mind. Protecting vehicle owners throughout Houston, Memorial, Katy, Sugar Land, Rosenberg, Cinco Ranch, Pecan Grove, Brookshire, Fulshear, Cypress, and surrounding areas, we provide personalized policies to suit your needs. 

What is Car Insurance?

Liability coverage is a vital part of any auto insurance policy. Liability coverage helps protect you if you cause damage to someone else’s property or bodily injury to someone with your vehicle or if someone is injured while in your vehicle. It can also help cover legal fees and medical costs related to the incident and provide funds for repairs or replacements of any damaged property.  When shopping for auto insurance, it is essential to understand the various limits of liability coverage available and choose a limit that fits your needs.

What is Bodily Injury Coverage?

Bodily injury is coverage that helps protect you from financial losses if you are found liable for an accident resulting in the injury or death of another person. It can help cover medical expenses and legal costs associated with the accident and provide funds for lost wages due to injuries sustained in the incident for the other party. Bodily injury coverage is one part of a liability policy.  In conclusion, liability bodily injury coverage is essential to any auto insurance policy. Liability coverage helps protect you from financial losses due to damage caused to another person.

Is Auto Insurance Legally Required in Texas?

Whether you own or rent a vehicle, basic liability insurance is a legal requirement in Texas to protect other road users. After your home, your car is probably the most expensive thing you own. That means you may want to consider additional insurance to cover the costs to your own vehicle. Fully comprehensive insurance commonly covers all sorts of situations, from accidents with animals to glass and windshield damage.

What Are the Different Policy Types?  

There are three common types of policy, and you can find a quick summary of them below. Speak to an advisor today to personalize a plan to your needs. 

  • Liability 

A legal requirement, liability insurance pays the medical bills for injuries sustained by others as a result of an accident that was yours or partly your fault, as well as the repairs needed to any other cars or property.

  • Collision 

Obtaining collision insurance can also cover the damage to your own vehicle and pay for your medical bills in the event of an accident. It also includes accidents that happen with structural objects such as buildings and road signs.

  • Comprehensive 

Comprehensive insurance does exactly what it says on the tin. It can be tailored to fit your needs but covers a range of circumstances outside of your control, from vehicle theft to vandalism, fires, and flood damage.

What About Add-Ons?

Most types of policy can be personalized with a range of add-ons. For example,  personal injury protection (PIP) covers things like lost wages and attorney fees. Meanwhile, Uninsured Motorist coverage pays the bills if you get into an accident with an uninsured driver or are the victim of a hit-and-run. 

How Much is Car Insurance in Texas?

The cost of auto insurance in Texas varies depending on whether you opt for third-party liability, collision cover, or a fully comprehensive policy. It’s important to note that the legally required coverage only provides protection up to a certain limit, meaning you could still end up way out of pocket in a large accident with an expensive car. The cost of your policy will also depend on your vehicle type, driving history, location, and average annual mileage. 

Best Way to Drive Down Costs?

Drive smart, save big! Insurance providers assess your risk by examining your driving record. So, hone those safety skills behind the wheel and experience the cost-cutting benefits. Bundle and save with home insurance, or leverage special student discounts. In Houston and the surrounding areas? Our seasoned professionals are ready to guide you in finding budget-friendly vehicle insurance options. Get started with a quote comparison today!

Ready to Benefit From Decades of Expertise?

Connect with us now to access tailored advice from skilled agents dedicated to crafting ideal policy solutions for you. Leveraging our extensive network as an insurance broker, we guarantee prompt and adaptable service without sacrificing your needs.