You know you need Fulshear TX car insurance because it’s a legal requirement, but you aren’t really sure why you need it. You’re a (relatively) safe driver, and besides, you don’t even drive that much. You live near your job or school and your car sits in the parking lot most of the time. You don’t know why you have to spend thousands of dollars each quarter insuring a vehicle you hardly ever use.
On the other hand, maybe you get your money’s worth of car insurance. You commute an hour each day to work, and you like to travel on the weekends. You know car insurance is a worthy investment to protect your vehicle and yourself. However, you still wish you didn’t have to pay so much.
In either case, you need Texas Insurance Agency. We’re independent insurance providers with over 40 years of combined experience and tons of connections in the insurance industry. We’ve partnered with many insurance providers to bring you the lowest rates on car insurance in the state. Furthermore, we’re a full-service insurance company and you can ensure your home, business, and life through Texas Insurance Agency as well. However, we won’t get ahead of ourselves! If you’re here to learn for insurance right now, we’ll let you know how we can help.
Why You Need Car Insurance
There are a few other reasons you should ensure your vehicle besides obeying the law. Car insurance offers added protection for yourself, your vehicle, and others involved in case something happens. We never want to assume the worst, but in this business, we have to. In the event of an automobile accident or emergency, you don’t want to have to worry about financed or how you’re going to replace your vehicle. You’ll be stressed out enough from the experience alone!
Insurance has a medical coverage option, which will help you pay hospital bills and medical expenses if you are seriously injured. If you don’t have health insurance or your health insurance has high deductibles, you especially want to consider adding medical coverage to your Texas car insurance plan.
Unfortunately, some drivers simply don’t have auto insurance. Whatever their reasons, drivers without insurance are a huge danger to everyone else. With uninsured motorist protection, you protect yourself and your bank account in the event that you are involved in an accident with an uninsured person. Your expenses will be covered, even if they don’t have the means to pay you. You can never tell who’s insured and who’s not, so uninsured motorist coverage is always a good option to have.
Types of Texas Car Insurance
All drivers must have, at minimum, liability insurance with $30,000 per person of coverage and $60,000 per accident, as Texas requires. However, you have more options than the bare minimum. In fact, liability insurance likely doesn’t provide you and your vehicle with the best protection.
As the bare minimum when it comes to car insurance, liability insurance covers the other person’s vehicle in case of an accident. However, you’ll have to pay for repairs for your own vehicle out of pocket. While footing someone else’s bill is a kind gesture, we also recommend that you upgrade auto insurance coverage to protect yourself as well. Liability insurance may be a suitable option for older cars that don’t have much value and you wouldn’t mind replacing after an accident. In any other case, you need more coverage to protect your car.
In most accidents, both cars receive some sort of damage. However, liability insurance doesn’t cover your own repairs or losses. If the other person is uninsured or doesn’t have enough coverage to pay for all of your needed repairs, then what? That’s why you need collision coverage. This coverage protects your vehicle by paying out when you suffer damage. This can help pay the rest of the repair bill. However, collision insurance only covers vehicular incidents (also known as collisions). If you’re concerned about the natural elements or accidents that don’t involve another vehicle, you would prefer comprehensive coverage.
Comprehensive car insurance covers everything. It doesn’t matter who is at fault, even if the guilty party was a fallen tree limb or deer running across the highway. Comprehensive coverage is undoubted, the most promising option when it comes to insuring your car. Protect your car from the elements human and natural. Comprehensive coverage can also include theft or vandalism. You still have the option to select exactly how much coverage you want per accident, as well as your deductible. If you want your car covered under any circumstance and don’t want to pay out of pocket for non-vehicular accidents, you need this type of coverage.
Call Us Today For The Best Fulshear TX Car Insurance!
We know what Texas needs when it comes to car insurance. Not only do we know the legal requirements for coverage, but we also know the conditions you’ll face on the road. Despite heavy rains and flooding and aggressive drivers that put your vehicle and life at risk every day, we believe that insurance shouldn’t cost you an arm and a leg. We offer flexible plans at great rates so that you can get on the road, safely. Cars have enough additional expenses, such as maintenance and customization, without the added responsibility of annual insurance premiums. We know that if given the choice, many Texas would forego car insurance entirely. However, perhaps that’s because those Texas haven’t heard of us.
Now that you know more about insurance and have an idea of your needs, why don’t you give us a call at (281) 398-1010 to discuss your needs? Price doesn’t have to be an issue. As a local insurance provider, we can provide excellent coverage at highly competitive rates. You deserve more than the state requires. Visit our website to learn more, or contact us online at any time for assistance. We can prepare car insurance quotes for you and you’ll see why you need Texas Insurance Agency Fulshear TX car insurance to protect your car.
Texas Fun Facts!
- Houston was the first word spoken on the moon
- Armadillo is the official state mammal
- The capital is the city of Austin
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