What does auto insurance do?Auto insurance in Texas can protect you from great financial hardship by covering the expenses for medical treatment and the cost to repair or replace vehicles damaged in an accident for which you are determined to me legally responsible. Texas car insurance can also repair or replace your own vehicle after a theft or accident.
Do I have to have car insurance?Yes. Drivers in Texas are financially responsible for damages resulting from accidents they caused. Medical care and vehicle repair or replacement can be extremely expensive. Without insurance you would have to pay these expenses out of your own pocket. Most states require minimum liability insurance coverage. Texas auto insurance law requires all drivers to have liability insurance that will pay $30,000 for medical expenses for every person hurt in an accident you cause, with a limit of $60,000 for all people who are insurance in the accident. Minimum liability insurance also includes at least $25,000 coverage to repair or replace the other driver’s car. You will need to prove you have car insurance when you renew your license and register your car. Drivers are also required to show proof of insurance for any traffic stop. If you don’t have insurance, you could have to pay a stiff fine. You could also lose your drivers license and have your car impounded. Contact Houston insurance agent Angela Johnson to learn more about the requirements in your state, or to receive a personalized car insurance quote.
How much auto insurance do I need?The simple fact is minimum liability coverage (30/60/25) is usually not enough to pay for all damages resulting from an accident. For example, Texas car insurance minimum liability coverage will not repair your own vehicle, leaving that expense up to you. Call Angela Johnson to discuss auto insurance protection that best meets your needs and budget.
What can I do to reduce the cost of my auto insurance?Safer drivers have the lowest rates. The longer you go without an accident or citation, the lower your premiums will be. The kind of coverage you have (liability, collision, comprehensive), the amount of your deductible, and the type of vehicle you drive also effect how much you will pay. Many drivers quality for discounts based on their driving record, their car’s safety features, and more. Contact Angela Johnson for more information on discounts you may receive.
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