Proper Auto Insurance Coverage
The state of Texas requires you to maintain valid car insurance for your vehicle. However, state insurance minimums are not usually enough to address all the risks that you face. For example, if you cause a collision, you will be responsible for covering the damage you have caused. Because the value of many cars on the road today can easily exceed the minimum state liability requirements, you would be left having to cover the reaming costs on your own. While you might not be concerned because you don’t own a home or have any assets, you can still be taken to court and have your future wages garnished to pay for the accident costs. As this example shows, relying on state insurance minimums can expose you to long-term financial struggles. To ensure that you have the comprehensive auto protection that you need, work with an expert from Pierce Insurance to create your custom car coverage solution.
Important Types of Car Insurance Coverage
This coverage pays for the accident damages that you are responsible for, including the cost of third-party medical treatments and property repairs. This coverage will also pay for your legal fees should the affected party sue you for damages.
This coverage pays for the medical treatment that you and your passengers may require after being involved in a car accident. This coverage may even help you cover the cost of your medical treatment if you are a pedestrian injured in an auto accident.
In Dallas, over 16% of drivers are uninsured. While the numbers are better in Collin County, there are still a considerable number of uninsured drivers on the road. If you get into an accident with an uninsured or underinsured motorist, then they may not be able to pay for your medical treatment and repairs. Uninsured/Underinsured motorist insurance makes sure that these costs don’t come out of your own pockets.
This coverage pays for the damage your car sustains due to a collision event.
This coverage pays for the damage that your car sustains due to a non-collision event, such as theft, vandalism, fire extreme weather events, and so on.
In addition to these essential coverages, many drivers also like to carry coverage for emergency towing services and rental car reimbursement.
How to Save on Auto Insurance
There are several factors that influence the cost of your car insurance. In addition to the types and amount of coverage that you carry, your age, gender, location, driving record, and so on will also affect your rates. If you want to lower the cost of your car coverage, then here are some of the suggestions that you should try:
- Increase your deductible
- Establish a good driving record
- Enroll in a defensive driving course
- Inquire about discounts for safety devices and security devices
- Check if discounts are offered for low-mileage driving
- Secure multi-vehicle discounts if you have more than one car insured with the same company