Texas Auto Insurance

Auto insurance is crucial to owning and operating a vehicle in Texas. Whether you’re new to the state or a longtime resident, understanding your auto insurance choices can help you make informed decisions and ensure you’re adequately protected on the road.

Texas Auto Insurance Coverage Requirements

Texas drivers must be able to prove they can cover potential financial liability for third-party property damage and injuries in an accident. Most drivers choose to do this by purchasing at least the minimum required amount of auto liability insurance.

This coverage pays only up to the policy’s limits, so it’s crucial to work with your agent to determine an appropriate amount of liability insurance. In general, your coverage should equal the value of your assets.

Texas drivers can purchase additional coverage for enhanced protection, including collision and comprehensive coverage, to help repair or replace the insured vehicle after a covered incident or accident.

Your agent may also recommend uninsured/underinsured motorist coverage, which can help pay for your accident-related damages after a collision caused by a driver without insurance or who is underinsured.

If you lease or finance a vehicle, your lienholder can require full coverage insurance, which typically includes the aforementioned policies.

Factors Affecting Texas Car Insurance Premiums

Several factors influence auto insurance premiums in Texas, including your history of accidents, traffic violations and claims, your age and gender, the vehicle you drive, your credit history and your location.

Comparing quotes from different insurance providers can help you find the best coverage at competitive rates based on your circumstances.

How to Find Car Insurance Discounts and Savings

Texas insurers often offer discounts that can help lower your premiums. Your agent may be able to help you get discounts for bundling auto insurance with other policies, such as home or renters’ insurance. You may be able to get reduced premiums with a safe driver discount or a good student discount, as well.

How to Shop for Texas Auto Insurance

Your agent can help you compare quotes from Texas insurers to get the best possible auto insurance rates. They can also help you understand what each policy covers, including deductibles, limits and exclusions.

Contact Us

The Apple Insurance Agency team in Lake Jackson, Texas, can help you get favorable auto insurance rates and coverage to meet your needs. Contact us today to compare personalized quotes from some of the state’s most reputable insurers.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.