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Auto Insurance Guide to Assist Texas Drivers

As a Texas driver, you face different variables every day. Accidents can happen at any time, depending on the road conditions and other drivers. That’s why auto insurance is an asset. However, the state’s approach to auto insurance is more unique compared to other states. You are only obligated to purchase some liability insurance. If you have significant savings and assets, you’ll need more coverage.

Here is an automobile insurance guide to assist you as you research coverage.

  • Auto Requirements In Texas 

As you research auto insurance, be aware that you are obligated to pay for the costs of any damages as a result of a collision. If another driver collides with your car and injures you, you can receive compensation by filing a personal injury claim. Generally, you should purchase enough coverage to protect yourself in the aftermath of a collision. You are also obligated to purchase liability insurance. If your negligence causes someone to get injured or you cause damage to someone’s property, liability coverage protects you if you are sued for pain and suffering. Liability also supports the injured party’s medical bills and the costs associated with repairing their vehicle or replacing it.

You can rely on The Texas Personal Automobile Policy. The policy offers multiple types of coverage. Comprehensive coverage covers your vehicle if someone steals or vandalizes it. You are also covered if your vehicle is damaged due to a freak accident, such as an accidental fire or a flying object. Comprehensive coverage also includes emergency roadside assistance. You are covered if your vehicle suffers engine failure and you need immediate towing service. Contact the Texas Department of Insurance to find out more information regarding the different coverage options.

  • Personal Injury Protection 

One of the ten things to know about Texas Auto Insurance is Personal Injury Protection. Personal Injury Protection coverage will likely be included in your auto insurance policy. While Personal Injury Protection is included in your policy, you have the option to reject it. Personal Injury Protection covers you by taking care of your medical expenses and lost wages while you are recovering from the aftermath of an accident. Personal Injury Protection covers you whether you are at fault for the accident or not. Any passengers in the vehicle with you are also covered through Personal Injury Protection.

  • Medical Payments 

You also have the option of adding Medical Payments coverage to your policy. MedPay is similar to PIP in that your medical bills are covered regardless of whether you caused the accident. Your medical bills are also covered if you were hit by a car while performing another activity such as walking or riding a bike.

  • Uninsured/Underinsured Motorist Coverage 

As you are reviewing auto insurance information, pay attention to uninsured/underinsured motorist coverage. Unfortunately, many drivers hit the road every day without insurance. Uninsured coverage protects you if you are involved in a collision with someone who does not have insurance. The policy also applies if you are involved in a collision with someone who has very little insurance. Your auto insurance policy will automatically include this type of coverage, but you have the option to reject it.

  • Other Coverage Options 

Driving on the road is often unpredictable. As you go through this automobile insurance guide, you have to ensure that you are covered in any situation. Comprehensive coverage is an asset. Comprehensive coverage protects you if something happens to your vehicle in unique ways. You are covered if your vehicle is stolen, vandalized, or set on fire. You are also covered if your vehicle collides with an animal or a flying object damages it. As a Texas resident, you have to be aware of the danger that accompanies severe weather conditions. Hurricanes and tornadoes can completely destroy your vehicle. Comprehensive coverage protects you if your vehicle is damaged due to extreme weather.

  • Average Premiums

As a Texas driver, your auto insurance coverage will cost you around $1,000 per year. To find more competitive prices, look at the average amount for specific types of coverages. Liability coverage costs about $580 per year. The average premium for collision coverage is $400 per year. The average premium in Texas for comprehensive coverage is $220 per year. Be sure to look at several quotes before choosing a policy.

  • Auto Insurance Factors 

There are several factors auto insurance companies will look at when determining your car insurance premium. Your driving record is important. If you have a clean driving record, you should receive favorable terms regarding your premium. If you have a history of speeding tickets or an accident in which you were at fault on your record, your quotes are going to be expensive. Your credit history is another factor. If you have good credit, that can save you thousands of dollars every year towards your car insurance. Your age is another variable. If you are a young driver, your premium will likely be expensive because you will be viewed as a fairly high-risk driver. Once you have established a solid year of clean driving, your premium should decrease. The ZIP code where you reside is also important. If you stay in an area with a minimal level of crime, your car insurance will be inexpensive.

  • Driving Without Coverage

Research shows that over 10% of Texas drivers are not insured. That’s why it’s important that you opt to keep uninsured motorist coverage in your auto insurance policy. Uninsured drivers risk getting fined and suffering an extra license charge.

  • Total Damages 

Once your vehicle’s damages exceed its total value, the vehicle is considered totaled. There are multiple ways that your vehicle can suffer significant damage, including fire or severe weather. Comprehensive coverage will protect you in that situation.

Auto Insurance helps keep you safe on the road. If you have any questions about your policy, contact the experts here at Advanced Insurance Group. We will help you find the right policy for your needs.

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