Automobile insurance is mandatory in every state. This includes the great state of Texas. If you drive in Houston, Texas, you are required to carry auto insurance coverage in order to drive legally. Car Insurance in Houston TX comes with a variety of factors you must consider before obtaining coverage. The following will discuss the aspects of choosing the right coverage to suit your needs.
1) Learn the state minimum limits – You absolutely must obtain auto insurance coverage that meets the state minimum requirements. The current minimums for Texas are 30/60/25 coverage. This includes $30,000 per injured person for liability coverage, $60,000 per accident, and $25,000 per accident for property damage. Any changes can be discussed with a qualified auto insurance agent.
2) Uninsured/Under-insured motorist coverage (UM/UIM) – If you are involved in an accident where the negligent party does not have enough coverage, has no insurance, or a hit-an-run, you are stuck with the bill. UM/UIM Car Insurance in Houston TX offers UM/UIM property damage and/or bodily injury coverage. Both types are designed to cover you, your family, passengers in your vehicle, and anyone with your permission to drive your vehicle who is injured in an accident. Bodily injury coverage can help with medical bills, disability (partial and full), lost wages, disfigurement, and pain and suffering. Property damage coverage pays for automobile repairs, rentals, and damage to objects in your vehicle. Deductibles will apply to property damage, but not for bodily injury.
3) High-risk drivers – If you have a number of tickets, accidents, driving under the influence, or other negative items on your driving record, you are a high-risk drivers. You will pay more for your coverage, but you may also have to provide special documents for proof of coverage. Your agent can cover the details of this aspect of Car Insurance in Houston TX.
You can add coverage to your vehicle according to your needs, or to give yourself peace of mind that you are thoroughly covered above what the legal requirements offer. You should also consider factors like teen drivers, out-of-state college students, and discounts you can enjoy through driving courses and good grades. Insurance offers online or phone quotes to make the process easier for you.
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