Auto insurance varies to suit drivers’ individual needs. When purchasing a policy, consider your driving habits, the value of your vehicle and your personal lifestyle. If you’re purchasing coverage for your entire household, you’ll have even more aspects to factor into your insurance equation. Working with an experienced EasTex Insurance agent in Tyler, TX can be helpful in determining what kind of coverage you need.
Types of Coverage
A standard auto insurance policy in Texas offers the following basic coverage:
- Liability – Liability insurance pays for injuries and/or property damage to others in accidents that are your fault. All drivers are required to carry minimum liability coverage in Texas. The more time you spend on the road, the greater your risk of causing an accident, particularly if you do a lot of highway driving. By purchasing more than minimum coverage, you can protect your assets against serious accidents you may cause.
- Collision – Collision insurance covers damage to your vehicle from collisions. It’s not mandatory in Texas, but important to have, especially if you own an expensive car. If you’ve taken out a loan on your car, your lender will probably require that you have this coverage.
- Comprehensive – Comprehensive protects your vehicle against theft and non-collision incidents like hail, vandalism or falling objects. Unless you have the finances to cover these damages on your own, you’d do well to obtain this coverage.
- Uninsured Motorist (UM) – UM coverage also protects your vehicle, this time from hit-and-run drivers or people who hit you but don’t have sufficient coverage to pay your repair costs.
Customized Auto Insurance Coverage
You can customize your policy by selecting only the coverage you need. This gives you ample protection without paying extra for unneeded coverage. To learn more about auto insurance options and costs, contact EasTex Insurance in Tyler, TX.