Did you know driving a car without insurance in Texas is illegal? You want to research auto insurance before getting your vehicle on the roads. If you're looking for more information, you have come to the right place. This guide has essential insights every car owner wants to know. Read on.
In Bryan-College Station, TX, you need a proof of your car insurance when:
If you drive within the locality without car insurance, you risk a fine of up to $10,000. Also, you can expect annual driver's license surcharges. If you don't want to go through such pitfalls with your car, ensure you meet at least the minimum auto insurance coverage requirements. Are you wondering how to get started? If so, no worries! Working with a qualified insurance agent can help.
If you drive within the locality without car insurance, you risk a fine of up to $10,000. Also, you can expect annual driver's license surcharges. If you don't want to go through such pitfalls with your car, ensure you meet the minimum auto insurance coverage requirements. Are you wondering how to get started? If so, no worries! Working with a qualified insurance agent can help.
The basic auto insurance coverages in Bryan-College Station, TX include:
Liability Coverage: If you cause an accident, this premium can cover the other driver's car repair. It also covers medical bills and other expenses for the driver and their passengers. It's best to purchase more liability insurance because the minimum of $30,000 might not be enough. This is especially true if you cause multi-accidents.
Underinsured/Uninsured Motorist Coverage: If you involve in an accident with a driver without insurance, this coverage might help. It also comes into play after a hit-and-run accident.
Comprehensive Insurance: Can pay you if your car gets damaged due to vandalism, flood, or fire.
Collision Coverage: Pays for car replacement or repair after an auto accident.
Personal Injury Protection: It caters to your medical bills and that of your passengers. Personal injury protection also pays for non-medical costs and lost wages.
Rental Reimbursement Coverage: This allows you to rent a car if yours is getting repaired after an accident or stolen. Some premiums may pay for ride-hailing or taxi services.
Towing and Labor Coverage: Pays for towing services and labor, including jump-starting your battery and changing a flat tire.
Why Do I Need Car Insurance?
Car insurance is a requirement in most states. If you cause an accident and injuries to another driver, you need auto liability. The policy helps you to settle losses incurred due to the auto crash. These could include vehicle damage, medical bills, and funeral expenses in case of death. Here are reasons you need auto insurance:
How much is Car Insurance?
According to a recent study, the average auto insurance cost in the Lone Star State is $151 per month or $1,823 per year. The car insurance cost is $149 more than the average nationally.
Are All Insurance Policies the Same?
There are different insurance policies, and you need to determine your personalized needs to choose the right ones for you. Various factors come into play when selecting an insurance policy. These may include lifestyle, age, and children. If you don't know what's best for you, ensure you talk to your independent insurance agency. They'll evaluate your needs and guide you accordingly.
Should I get Extra Coverage?
Some coverages are mandatory, but others are not. It can be challenging to know what you need because each accident is different. However, if you don't want to face heartaches after an auto crash, additional coverages may help.
Who Does Auto Insurance Cover?
Most policies cover people you permit to drive your car and your family. Before purchasing the premium, you should consult your independent insurance agent to understand the coverage. Most policies will cover the following:
Fun Facts about Roland Luna – Class of ’97 and Texas A&M:
Roxanne and I both graduated with our BS in Food Science and Technology. We both used them for about 5 years, before we moved into our new careers.
Roxanne, went back to school and received her Masters in Nursing Administration, while Roland just completed his 19th year in the insurance industry here with the Sandy Garza Agency.