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.

Liability coverage for property damage and injured persons is required for Texas drivers. Some auto insurance buyers focus simply on making sure that they are meeting the minimum coverage types and amounts set by their state. Although Texans can operate vehicles legally when they hold policies with the minimum coverage, they may be overlooking other benefits that add value and convenience to their policies. Purchasing higher coverage amounts, additional coverage types, and benefits such as rental car services can be worthwhile for many policy holders. For example, a minimum liability limit of 30,000 per injured person may only begin to cover the actual costs of medical care for persons injured in a collision. Although the monthly policy payment is lower for lower coverage amounts, insurance buyers must remember that the benefits are also lower. Buyers must also consider what they can afford to pay out in case of an accident or whether they would be able to repair or replace their car because liability does not cover damages to it. A local independent agent can help you make sure your needs are covered.

Some insurance providers build benefits into their policies that their clients fail to use even when they qualify. When insured persons are in auto accidents or otherwise incur damages, they should check with their insurance company to see which benefits apply to each situation. When making an insurance purchase, buyers may look for certain features in their policies but fail to read or remember all the finer details of the policy. So checking to find out if your Texas auto insurance provider will cover your rental car while you are awaiting repairs to your damaged vehicle is a sensible thing to do. Otherwise you may be failing to take advantage of all the benefits you are purchasing through your policy. Driving legally and having some coverage in case of emergencies are essential, but the other benefits offered by Texas auto insurance providers should not be overlooked.