Making sure you have the best auto insurance policy can feel complicated. How do you know that the company will be there when you need them most? While price is important, you understand that there is is more to getting a great deal then a cheap price. This is why we have built strong relationships with only the top carriers in Texas to ensure we help you find the best coverage for the lowest price. Let us show you how we can save you time and money in your shopping, and be the agent that is there for you when you need us.
Auto insurance is made up of a few different coverages. Here are a few things to make sure you have.
Applies to injuries that you, the designated driver or policyholder, cause to someone else. This is one of the most important parts of your policy. Being underinsured here can literally cost you thousands of dollars. Here are some limits you will see as you shop. If there is any place you need to splurge it is here.
UM/UIM will reimburse you, a member of your family, or a designated driver if one of you is hit by an uninsured or hit-and-run driver. This will also help if the person who hit you was simply underinsured. We recommend that you match the limits of UM/UIM coverage with your liability limits. The only difference is you only need enough property damage coverage to cover the cost of your vehicle. If your car is worth $8000 then select the minimum amount which is $25,000.
Covers damage caused to your vehicle in an automobile accident that is your fault. Any reimbursement will be based on market value of your vehicle. We recommend that you have high deductibles ($1000). This will save you money on your premiums and help you keep small claims off your record.
Covers damage caused to your vehicle caused by any unknown party or “act of God”. Vandalism, flood, hurricane, theft, windshield damage and fire are all events usually covered by comprehensive automobile insurance. Any reimbursement will be based on market value of your vehicle. We recommend that you have high deductibles ($1000). This will save you money on your premiums and help you keep small claims off your record.
Pays for the treatment of injuries to the driver and passengers of the policyholder’s car. PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident. It may also cover funeral costs.
Rental Reimbursement pays for the use of a rental car while your vehcile is in the shop being repaired by a covered claim. Both of these are great perks to have on your auto policy. Both are inexpensive and can really help when you are in a pinch.
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