If you live in Lufkin, Texas and drive a car, you will need to visit one of the more than 50 insurance agencies that will be happy to sell you a policy to cover your vehicle. All of the major national insurance companies such as Allstate, State Farm, Farmers and Nationwide are represented in Lufkin.

You can choose to shop for insurance at the nation’s largest insurer, State Farm, at which they will sell you a State Farm policy. You can choose to shop at an independent insurance agent in Lufkin where they will shop around different insurance companies to find the best one for your needs.

The importance of Lufkin car insurance is two-fold. First, you must have adequate insurance if you want to legally drive in the state of Texas. Failure to have the minimum required amount of automobile insurance can lead to problems. If you are pulled over by the police and can not produce proof of insurance, you could face some hefty fines, possible suspension of your license and your car might be impounded.

The second reason why it is important to get Lufkin car insurance is that it is the responsible thing to do. All drivers have the privilege and not the right to drive. As such, one should have the financial resources to pay for any damage or injury they may cause while operating a motor vehicle. Since most people do not have adequate reserves to pay for $20,000 in damage to a vehicle or even more for a serious injury to another driver, insurance is necessary to cover any such contingency.

Since Texas is a densely populated state, every person owns a car, be it for luxury, work or domestic purposes. With the number of vehicles on the road soaring, the accident rate is also high. There are many types of coverages available to protect you financially and legally if any incident occurs. If you have caused a fatal accident or injure someone, the other party may be able to sue you and, if successful, claim a large amount of financial compensation. An instance where you break any traffic rule and are stopped by a cop, you are required to show your proof of insurance. You also have to provide proof of insurance each year when your state inspection is due. Failure to do so will result in a citation and fines of several hundred dollars. However, if you get insurance quickly, you may be able to have the judge dismiss the charge if you can show proof that you have purchased an auto insurance policy.

It is impossible to predict when and where accidents will occur. The only protection you have from the unforeseen dangers on the road is an auto insurance policy that provides you the full coverages you need. Taking a defensive driving course, and installing safety devices in your car will not only reduce your car insurance premium rates but will also protect you and your family when disaster strikes. With auto insurance comes a number of benefits, such as providing you with a rental car when your car breaks down, paying your tow charges, covering the costs of repairs after an accident if the other party fails to have sufficient insurance coverage, and many more. Complete a free quote with Integra to obtain car insurance.

Texas law states that a person may not operate a motor vehicle in this state unless financial responsibility is established for that vehicle. Most people do this by buying automobile liability insurance. The law currently requires minimum liability coverage of $30,000 per injured person, $60,000 for everyone injured in an accident, and $25,000 for property damage (30/60/25).

Liability insurance pays for any damage that is caused as the result of an accident, and it is required in the state of Texas. There are different aspects of liability insurance that policyholders need to know in order to better understand their insurance policy.

• Bodily Injury coverage, also known as BI, is a coverage that pays for the injuries of the not-at-fault party in an accident. There are several different levels of BI that people can choose from. The levels are 25/50/25, 30/40/25, 50/100/25, 100/300/50, and 250/500/100. The way to read the levels is $25,000 per person, $50,000 per accident, and $25,000 for property damage. The property damage level can also be raised or lowered if the policy holder wants a different level.
• Medical coverage pays for any medical costs for people in the vehicle in the event of an accident. If someone has to be taken to the hospital for urgent attention, then this part of the insurance covers that part of the claim.
• Uninsured/Underinsured Motorist (UM/UIM) Coverage is a part of the liability policy that pays for the party in the vehicle in the event they are hit by an uninsured driver. The amounts pay out just like the BI limits and can be tailored to a level suitable to the policy owner.
• Personal Injury Protection, also known as PIP, is just like medical coverage except that it will cover 80% of lost income when time off of work is needed. It will also pay for a caregiver if the injured person has need of one.