Owning a vehicle is a major responsibility. Due to the importance of the asset, you need to make sure that you have the right type of insurance coverage in place to provide you with the protection that you need. For those that are in the Huntington, TX area, there are several factors to consider when getting a new auto insurance policy.
At the bare minimum, you need to make sure that you have coverage that keeps you in compliance with the state laws. In the state of Texas, you will need to carry liability protection whenever you are out on the road. The state will require that you have property damage liability coverage of at least $25,000 per incident as well as bodily injury liability coverage of at least $30,000 per injured person with a $60,000 incident cap.
Collision and Comprehensive
While you are only required by law to carry liability coverage, you also need to consider getting collision and comprehensive coverage. Since liability coverage only provides financial protection to others involved in an accident, these additional types of coverage could be a necessity. This coverage will provide you with coverage if your car is stolen, damaged, or if you are at fault in an accident. This type of coverage will likely be required if you took out a loan to buy the car.
Finally, you will need to consider your deductible, which is the amount of money you will spend out of pocket before receiving any coverage on a claim. While a lower deductible provides less risk, it comes with higher premiums. If you have a higher deductible, you should make sure you have this money set aside.
If you are in the Huntington, TX area and are looking to learn more about auto insurance, you should contact Integra Inusrance Services to learn more. Integra Insurance Services will help you to better understand your auto insurance needs and can help you to get into a great policy.