Tips for Choosing the Right Auto Insurance in Texas

Texas requires all drivers to prove financial responsibility in case they cause an accident. Many drivers do this by purchasing the minimum required amount of auto liability insurance. Your agent can help tailor your car insurance coverage to meet your unique needs by adding policies and endorsements to your liability insurance. 

Auto liability coverage may help pay third-party accident-related property damage and injuries, up to the policy’s dollar limits. Your agent may recommend purchasing more than the minimum required amount for additional financial protection.

Assess Your Coverage Needs

Your specific circumstances will dictate what type of coverage you need. Consider the following:

• Comprehensive coverage may help protect against non-collision incidents, such as theft, vandalism or natural disasters.

• Collision coverage may help cover damage to your vehicle resulting from an accident, regardless of who is at fault.

• Uninsured/underinsured motorist coverage is vital, considering the number of uninsured drivers in Texas. This coverage may help pay for your injuries and damage to your vehicle if you are the victim of a hit-and-run incident or if the at-fault driver has inadequate auto liability coverage or is uninsured.

If you lease or finance a vehicle, the lienholder may require full coverage insurance, which typically includes the previously mentioned coverage.

Shop for Appropriate Auto Insurance Coverage

Different companies offer various rates for similar coverage. Your agent can help you shop around for the best combination of price and coverage.

Contact Us

Contact Shelby Insurance Agency in Hemphill, Texas, to explore your car insurance options and get a quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.