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Texas Auto Insurance Get a FREE, Quick & Easy
Auto Insurance Quote Texas!
What is auto insurance? 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 your 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. The six parts of an auto policy 1. Bodily Injury Liability 2. Medical Payments or Personal Injury Protection (PIP) For treatment of injuries to the driver and passengers of the policyholder's car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident. 3. Property Damage Liability For damage the policyholder caused to someone else's property. 4. Collision For damage to the policyholder's car from a collision. The collision could be with another car, a light post, fire hydrant, etc. 5. Comprehensive For damage to the policyholder's car that doesn't involve a collision with another car. Covered risks include fire, theft, falling objects, missiles, explosion, earthquake, flood, riot and civil commotion. 6. Uninsured Motorist Coverage For treatment of policyholder's injuries as a result of collision with an uninsured driver. Underinsured motorist coverage can also be included in an auto policy. Underinsured motorist coverage comes into play when an at-fault driver has auto liability insurance, but the limit of insurance is inadequate to pay for your damages. Each state requires that you have certain types of coverages with
minimum liability limits. The insurance industry recommends that
your bodily injury liability limits be $100,000 per person and $300,000
per occurrence. Saving Money On Auto Insurance Deductibles represent the amount of money you pay before you make a claim. By requesting higher deductibles on collision and comprehensive (fire and theft) coverage, you can lower your costs substantially. For example, increasing your deductible from $200 to $500 could reduce your collision and comprehensive cost by 15% to 30%. 2. Drop Collision and/or Comprehensive Coverages on Older Cars. It may not be cost effective to have collision or comprehensive coverages on cars worth less than $1,000 because any claim you make would not substantially exceed annual cost and deductible amounts. Auto dealers and banks can tell you the worth of your car. 3. Buy a "Low Profile" Car. Before you buy a new or used car, check into insurance costs. Cars that are expensive to repair, or that are favorite targets for thieves, have much higher insurance costs. 4. Take Advantage of Low Mileage Discounts. Some companies offer discounts to motorists who drive fewer than a predetermined number of miles a year. 5. Consider Insurance Cost When Making a Move. Costs tend to be lowest in rural communities and highest in cities where there is more traffic congestion. 6. Find out about Automatic Seat Belt or Airbag Discounts. You may be able to take advantage of discounts on some coverages if you have automatic seat belts and/or airbags. 7. Ask About Anti-Lock Brakes. Anti-lock brakes improve steering control and stability when a car is brought to a stop, thus reducing accidents. Some states, including Florida, New Jersey and New York, require insurers to give discounts for cars equipped with the brakes and some insurers have a nationwide discount in place. 8. Inquire About Other Discounts. Some insurers offer discounts for things like no accidents in three
years, drivers over 50 years of age, driver training courses, anti-theft
devices, good grades for students and having more than one car insured
with that company. How much coverage do I need? Almost every state requires you to buy a minimum amount of liability coverage. Chances are that you will need more liability insurance than the state requires because accidents cost more than the minimum limits. If you’re found legally responsible for bills that are more than your insurance covers, you will have to pay the difference out of your own pocket. These costs could wipe you out! The Insurance Information Institute (I.I.I.) recommends that you have $100,000 of bodily injury protection per person and $300,000 per accident. If your net worth is more than $300,000, consider buying additional liability insurance. You may also consider purchasing an umbrella or excess liability policy. These policies pay when your underlying coverages are exhausted. Typically, these policies cost between $200 and $300 per year for a million dollars in coverage. If you have your homeowners and auto insurance with the same company, check out the cost of coverage with this company first. If you have coverage with different companies, it may be easier to buy it from your auto insurance company. In addition to liability coverage, consider buying collision and comprehensive coverage. You don't decide how much to buy. Your coverage reflects the market value of your car and the cost of repairing it. Decide on a deductible -- the amount of money you pay on a claim
before the insurance company reimburses you. Typically, deductibles
are $500 or $1,000; the higher your deductible, the lower your premium.
Get a FREE, Quick
& Auto Insurance Quote Texas! Austin, Texas, capital of the Lone Star State, has awakened in the past 20 years to an increasingly prominent national and international role. Still relaxed, but no longer just a sleepy college town, the city has almost doubled in population in the past 25 years. During the 1990s, Austin became one of the fastest growing large cities in the United States. Now the 18th largest city in the United States, this "Live Music Capital of the World" and high technology center is a recognized leader in Smart Growth concepts of managing where development should occur so that a city's natural beauty and quality of life are preserved. Austin has been ranked as "The Best City for Business in North America" by Fortune magazine and also as one of the nation's "Best Places to Live" by Money magazine. Yahoo! Internet Life web magazine ranked Austin as one of the top five "Most Wired Cities" in the United States. The Government Performance Project recently published in Governing magazine "graded" Austin as "A-" Overall among the nation's 35 largest cities. Austin's grades in all five aspects of public service delivery were above the national average, and the City was one of only a handful to receive an "A" in one of the five key areas. With a river meandering through town and its location
on the edge of the Texas Hill Country, Austin cherishes its label
as the "Oasis of Texas." Taking pride in its diversity,
its tolerance and its Texas roots, Mayor Kirk Watson sums its appeal
up this way: "Austin is the only place where boots, suits,
old hippies and computer nerds all sit around the same boardroom."
Areas we cover and products we offer:Houston, Dallas, Fort Worth, Austin,
San Antonio, Katy, Sugar Land, Lubbock, Annuity Insurance - Auto Insurance - Boat Insurance - Business Insurance - Health Insurance - Home Insurance - Homeowners Insurance - Life Insurance - Motorcycle Insurance - |
