While it is definitely something that every Texas resident needs to drive, car insurance is not a one-size-fits-all protection that is the same for every driver.

Fortunately, it’s easy to customize your Texas auto insurance policy to get the specific coverage you need at an affordable price.

First you should know about the different coverage that are available in Texas and how each may apply to your personal situation so you can then talk with an experienced auto insurance agency about creating a customized policy.

What Does Basic Car Insurance In Texas Include?

Most states require that every driver carry a basic amount of car insurance for every car they drive so they and anyone else involved in an auto accident will be protected.

In Texas, the minimum amount of coverage is $30,000 per person and $60,000 per accident for Bodily Injury Liability and $25,000 per accident for Property Damage Liability to legally drive a car in Texas.

Because this coverage is just minimal, most auto insurance agents will suggest increasing your liability and property damage limits a great deal to make sure you are protected in a severe accident as well as add on certain available coverage to protect you in other ways.

What Kinds of Coverage Can You Add?

For your auto insurance to actually protect you with important benefits needed to pay for vehicle and property damage, medical expenses, and more, it’s important to look at the other coverage available to you that will let you build a custom policy.

Consider adding these and other individually-available coverage to your policy to minimize your risk and get the protection that is right for you:

  • Collision and Comprehensive - Pays to repair your car if it is damaged in a covered accident or loss.
  • Medical Payments or Personal Injury Protection - A no-fault coverage that pays medical expenses for you and your passengers if you are injured in an auto accident regardless of who may be at fault in the accident.
  • Uninsured and Underinsured Motorist - Protects you if you or your passengers are injured from an accident and the vehicle owner has either no car insurance or inadequate policy limits to cover all the costs associated with injuries or property damage.
  • Roadside Assistance and Towing - Pays for you to call someone to help with car problems while on the road or tow your vehicle if it can’t be repaired roadside.
  • Rental Car Reimbursement - If your car is damaged in a covered auto accident, this will pay for a rental vehicle.
  • Accidental Death Benefit - If you carry this coverage and your name or the name of any family member is listed on the Declaration page, a payment will be made up to the carried policy limits for the death of a covered person as the result of injuries received in a car accident.

What About Discounts?

You can also customize your auto insurance policy so that you qualify for certain other discounts.

Available discounts may include multi-car policy discounts, bundle discounts if you carry multiple types of insurance with that carrier through your insurance agency, low mileage discounts, discounts for buying cars with certain built-in safety features, and others.

Customize Your Texas Auto Insurance!

As you can see, there is a lot more to buying car insurance than simply paying for the minimum coverage!

To get the right auto insurance policy for you and your family, consider the benefits of all these coverage as well as the risks you face and discuss it with your auto insurance agency so you can write a policy that gives you the protection you need at a reasonable price!

Need Customized Auto Insurance In Bryan TX?

Jones & Associates Can Customize Your Car Insurance!

Call (979) 599-7532 Today!