A lot of people have only the minimum auto liability insurance coverage on their vehicles. They do this for a couple of reasons. First, they may feel they don’t need anything more. Second, they might be tight on money and not be sure if they can afford better coverage. In a place like Lufkin, Texas you’re pretty safe, but there’s always the chance of a theft, a broken car window, or another driver who doesn’t have insurance hitting you. With that in mind, it might not be the best choice to only have minimum coverage.
As an independent agent, we can help you decide whether minimum coverage is enough, or whether you need more than that for your car. Under the minimum auto liability policy you’ll be protected if you cause an accident. The damage to the other person’s car will be paid by your insurance company, up to the amount of coverage you have. That amount is generally more than would be needed to fix or replace a vehicle, and you can raise the limit if you want to. Unfortunately, that’s where your coverage will stop.
You won’t have anything left over to fix your own damaged vehicle, and you won’t have any protection from things like fire, theft, or glass breakage. By talking to us, you’ll know more about your options for insurance. Even if money’s very tight, there may be policies that can provide you with more coverage for what you’re already paying. If that’s the case, why wouldn’t you want to get that value? Anytime you can get more value, you should look at doing that – and we can help you find the right choice for you. Even if all you need and want is the minimum auto liability insurance, we can still help you locate the best price and policy for your needs.