You are required to have liability insurance in Texas, and to have proof of that insurance on your person or in your vehicle at all times. You must have minimum liability coverage of $30,000 per person for injury, and $60,000 per accident. Property damage liability of $25,000 is also required in Texas.
EasTex Insurance Associates Inc. Texas can help you make sure you have all the insurance you need. Every case is a little different, and we can make sure you have the policy that best fits your situation.
If you have a loan on your car, your lender will likely also require you to have complete coverage on your car to protect their investment. You may want to keep this insurance after the car is paid for to protect yourself from a loss that could happen in an accident. Liability, of course, covers damage you cause. Collision covers damage you cause to something like a building or a fence, with your car. Comprehensive coverage is basically coverage for anything else. Rates are affected by how much your deductible is.
Not everyone obeys the law, and there are uninsured motorists. You may buy protection from this type of driver, but it is optional in Texas. Some policies cover only people who live with you, while others cover anyone who drives your car. It is also important to note that in Texas car insurance policies do not cover you if you are letting your car be used by Uber or Lyft, or any booking service. It also does not cover you for racing and intentional acts.
Call or come by, or visit EasTex Insurance Associates Inc. online today. Use our tool to help determine what your rates would likely be. Even so, it is a good idea to talk to a professional in person to make sure you are getting the correct coverage, and the best price, for your individual situation.