Auto Insurance
Driving can be an enriching and enjoyable experience. However, no matter how cautious you are on the road, accidents can occur unexpectedly. To protect yourself from the financial burden of costly repairs or medical bills, it is essential to have auto insurance. This type of policy can financially prepare you for unforeseen incidents, allowing you to drive with greater peace of mind.
What Is Auto Insurance?
Auto insurance is a financial safeguard that may offer vehicle coverage against a wide range of risks, including accidents and theft. In Texas, drivers must generally have minimum liability insurance to drive a vehicle legally. Without it, you could incur fines or face a license suspension.
What Does Auto Insurance Cover?
Auto insurance varies among policyholders but typically includes some of the following coverage options:
- Property damage liability may pay repair or replacement costs for damage you caused to another person’s property.
- Bodily injury liability may pay for hospital bills, lost wages and legal expenses if you’re found liable for injuring others in a car accident.
- Medical payments coverage may compensate for hospital visits, doctor’s bills and other medical expenses if you or a passenger is injured in an accident.
- Comprehensive coverage may cover replacing or repairing your vehicle after noncollision incidents such as theft or vandalism.
- Collision coverage may help pay for damage your own vehicle sustains in a collision accident.
- Uninsured/underinsured motorist coverage may pay for expenses if an uninsured driver collides with you and causes injury to you or your passengers.
How Much Does Auto Insurance Cost?
Car insurance rates vary based on an individual’s unique situation and risk factors. Insurers consider several factors when calculating your auto insurance cost, including the following:
- Your age
- Driving history
- Vehicle make and model
- Credit history
- Coverage options
Learn More
The agents at All South Texas Insurance Agency are ready to help you learn about auto insurance policies and select the proper coverage. Contact us today to request an auto insurance quote.