Auto Insurance in Texas
Auto insurance is technically not required in Texas, but if you opt not to have it, you must show that you are financially responsible for any damage that you may cause. Most people decided that they would like to show they are responsible by carrying auto insurance. At Frederick Insurance in Austin, TX, we are independent insurance agents. We provide personalized service to our customers and can offer them choices in both carriers and policies.
Auto insurance offers valuable coverage that protects drivers, you as a driver, and other people on the road. In Texas, the minimum amount of auto insurance you need to carry if you choose that option is 30/60/25. This liability coverage protects other people from an accident you may be responsible for. $30,000 is for one person injured with a total for the accident of $60,000 in injuries and $25,000 in property damage.
This is the minimum amount of liability insurance; it may not be the correct liability amount for you. It is important to discuss this with your independent insurance agent. For those who have an auto loan or are leasing a vehicle, there are additional requirements imposed by the lender or lessor. You must also protect the vehicle with comprehensive and collision coverage.
Collision coverage is what it sounds like; it is coverage for a collision. It can be with another vehicle; it can be your vehicle alone or it can be a hit and run.
Known as non-collision insurance, this coverage protects you from theft and vandalism, offers glass coverage, and repairs or replaces your vehicle if various weather events damage your new car. This is important coverage. It pays the difference between the book value of your vehicle and what you still owe on your auto loan.
Contact Frederick Insurance in Austin, TX, to get a no-obligation auto insurance quote or you can use the tool on our website to get a quote.