With vehicle prices and the cost of insurance almost always increasing, it’s important to be sure you have quality coverage and not overpaying.
By working with us, you’ll put our large network of high quality, vetted insurance companies to work, competing for your business.
Before you get started, we encourage you to be sure you have a few basics down…
We’re firm believer that path to making better decisions starts with good information. Here’s a couple of basic things to know about personal auto insurance in Texas.
Texas Auto Insurance Coverage Has Two Main Parts:
The first (and likely most important) is the liability section of the auto policy. It’s main job is to protect you from someone suing you and you having to pay out of pocket for a lawyer, and their car damage, medical expenses, lost wages, and pain & suffering.
If you take a second to let that sink in, you can easily see how those costs could easily add up to be more than most families have on hand to pay for.
Liability coverage also includes uninsured/underinsured motorist coverage. This is YOUR protection if a driver who isn’t carrying insurance or doesn’t have enough, causes those same damages to you.
The second part of auto insurance covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverages which vary by state. This section of your coverage is often misunderstood, so we’ll make sure you understand all of your options.
Utilizing high deductibles on the physical damage coverages can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident. We walk you through your insurance coverage so you understand what your auto insurance covers. We’ll help you find car insurance that fits your needs. If you need auto insurance coverage in Texas, contact Steve White Insurance for your free auto quote.