Do you know what kind of Fulshear automobile insurance coverage you need? Yes, you may know the state’s legal requirements. But do you know what type of insurance would be best for you? The answer depends on your particular car, environment, and driving patterns. Furthermore, you’ll want to consider your budget and your emergency savings. In the event of an accident, you want insurance to cover you.
While you may not want to pay for more insurance coverage that you absolutely need, there are merits to purchasing the best insurance coverage you can. At Texas Insurance Agency of Fulshear, automobile insurance coverage is made affordable. We keep our rates low by partnering with several insurance companies. We bring you coverage at prices you can afford, and we’ve teamed up to provide this service together, after over forty years of working in the insurance business. We know the most suitable type of automobile insurance for each person or family. We’ll give a few things to think about when choosing what type of coverage you want to purchase. When you’re ready to decide, you can call us or request our car insurance quotes online.
Types of Texas Car Insurance
Limited Liability Coverage
Liability insurance meets the minimum coverage of Texas requirements. You must have at least $30,000 per person and $60,000 per accident in coverage, and that’s what you get with liability insurance. However, this type of insurance only covers the other person in the accident. If your vehicle or yourself is damaged or hurt in any way in an accident, you’ll have to cross your fingers. What happens if the person you just got into an accident with was uninsured or doesn’t have enough coverage to cover all of your damages? You’ll have to pay for the rest of the damages yourself.
The only time we recommend liability is if you don’t have any insurance at all and truly can’t afford another form of coverage. Fortunately, we can help you with both of those issues with our competitive rates and flexible terms and coverage options.
Another instance in which liability insurance might be sufficient is if your car is very old doesn’t have much value. In this case, higher forms of coverage would ask you to pay more than your car is even worth, and your money would be better spent replacing the car. If your car is considered a total loss by the insurance company, you’ll only receive money in the amount of its present value. That being said, you shouldn’t forego coverage completely just because your car is old. You still need insurance to legally drive, and if you have an accident, the other driver’s insurance should cover the cost of your car repairs.
Collision insurance covers your vehicle as well as the other person’s. Unlike liability insurance which only covers someone else, collision overs added support. If the other driver’s policy didn’t cover all of your damages, your insurance policy will step in and pick up the slack.
We recommend that most cars on the road at least have collision coverage. Due to the high value of a newer car, you save money by paying for insurance coverage. That way, you’ll likely be covered if your car gets totaled in an accident and needs to be replaced. However, collision insurance only covers vehicle accidents. If you want to protect your car from other issues, not related to a crash or collision with another car, you should get comprehensive insurance.
True to its name, comprehensive coverage covers nearly everything. If your car was damaged by a product of nature, such as a wild animal, or you were a victim of vehicular theft, your insurance will cover you. While both collision and comprehensive coverage provide you with money for your own vehicle, comprehensive pay out even if the guilty party wasn’t a car. Unfortunately, comprehensive coverage doesn’t pay for general maintenance or mechanical repairs, but it can come in handy when your car has been involved in a non-vehicular accident.
You may choose to forego comprehensive coverage if you have the means to pay for your own emergency repair or replacement. However, you may want to consider the Texas weather and wildlife. Is your car protected or safe from the unknown? If your primary obstacle is other cars, collision coverage will likely be enough. But frequent travelers, especially off-roaders and those who can’t hide their car in a home garage, should have comprehensive insurance.
How Do You Choose?
Consider the value of your car. A newer car needs more coverage. Also, if you have customizations, lower coverage might replace your vehicle but won’t replace the bells and whistles.
Where do you drive? Are you exposed to bad weather conditions often? Do you live or park your car in a bad area or in public garages? Comprehensive coverage can give you peace of mind.
If you have emergency savings tucked away in case of an accident, that doesn’t mean you need less coverage. Rather, consider raising deductibles if you’re concerned about cutting your monthly insurance bill. While you’ll pay more out of pocket in the event of an accident, the cost will likely be less than what’d you have to pay if you had less coverage to begin with.
Call Us For Great Texas Automobile Insurance Rates!
So now you know what kind of coverage you want, but do you know how much it’ll cost. Our agents at Texas Insurance Agency will find the right protection for your car at a price that fits your budget. You need a local insurance company for your automobile insurance. National insurance agencies often charge Texas drivers higher insurance premiums, especially those in the Houston area. Why? Because they know that Houston is the 4th biggest city in the United States, and that means that there are a lot of people on the road each day. More drivers mean more potential accidents.
Texas Insurance Agency knows that insurance is about more than the numbers of the population. You want to protect your investment, your method of getting to and from work every day, and your family. And you deserve to be able to protect what you care about without paying an arm and a leg. In addition to collision or comprehensive coverage, you can also get medical expenses coverage to pay hospital bills. Call us at (281) 398-1010 or contact our customer service online to learn more about our affordable Fulshear Automobile Insurance Coverage Rates.
Texas and Fulshear Fun Facts!
- The largest county in Brewster
- Fulshear’s first church was built in 1894
- Known as The Lone Star State
- Learn more here